Fractional Executive Leadership
Experienced lending and credit leadership for institutions that need immediate executive capacity, disciplined oversight, or a steady hand through transition.
Fractional Lending Executive Leadership & Advisory
Executive perspective.
Technical depth.
Practical execution.
Built for institutions navigating growth, complexity, or change.
Point Loma Advisory helps banks and credit unions strengthen lending strategy, credit governance, operating discipline, and execution.
Point Loma Advisory Perspectives
Insights
Clear thinking for lending leaders.
Practical perspectives on credit risk, commercial lending, governance, execution, and the decisions shaping banks and credit unions.
Credit. Growth. Governance. Execution.
Original analysis published twice monthly.
Capabilities
Senior leadership where the stakes are highest.
Credit & Lending Strategy
Clear direction across commercial lending, SBA, portfolio management, credit governance, growth priorities, and risk appetite.
Process & Policy Excellence
Practical improvement of policies, workflows, decision rights, controls, reporting, and operating disciplines that drive excellence in the lending function.
M&A Due Diligence
Independent lending and credit insight that identifies portfolio risk, operational gaps, integration dependencies, and value-critical decisions.
Leadership
Kenneth G. Bauer
Founder & Principal
Kenneth G. Bauer is the Founder and Principal of Point Loma Advisory and a banking executive with more than two decades of experience in lending, credit risk, operations, business banking, and enterprise strategy.
Before founding PLA, Ken served as Executive Vice President and Chief Lending Officer of OneAZ Credit Union, a $3.4 billion financial institution, where he led more than 100 professionals across commercial, mortgage, and consumer lending. During his tenure, the total loan portfolio grew by 70 percent while delinquency and charge-offs declined by more than 50 percent. Commercial loans saw similar growth while meaningfully reducing the overall risk of the portfolio. Teams under his leadership improved lending operations, implemented several fintech partnerships, built and launched an in-house SBA 7(a) program, and consistently produced outstanding regulatory examination results.
Ken’s earlier experience includes building business and commercial banking functions for both established and de novo financial institutions, leading the implementation of several multimillion-dollar technology platforms, and directing lending due diligence for prospective financial-institution mergers. Through PLA, he works directly with executives, boards, and lending teams to strengthen credit governance, lending strategy, operating discipline, and execution.
Contact
Let’s talk about what your institution needs next.
Tell us a little about your institution and what you have in mind.