Randy has over 30 years of financial service experience. He is the former President and CEO of Argent Bank. He served as President of Commercial Banking Hibernia Corporation and Hibernia National Bank where he was responsible for the commercial and middle-market corporate banking, including Commercial Real Estate; Energy / Maritime; Commercial Mortgage Capital; Treasury Management; Energy Investments; Leasing; Hibernia Insurance; and Public Fund Sales. Mr. Howard also served on the Board of Directors of the former Hibernia National Bank.A native of Jackson, Mississippi, Howard received a Bachelor’s degree in finance and economics from the University of Southern Mississippi. He also is a graduate of the School of Banking of the South at Louisiana State University.