Cheryl Rinehardt

Chief Credit Officer, EVP

Professional Overview
Cheryl Rinehardt is an experienced financial services executive with a proven track record of driving strategic growth and risk management initiatives. As the Chief Credit Officer and Executive Vice President at Uwharrie Bank, she oversees all credit-related functions and leads the organization's credit administration efforts, ensuring disciplined lending practices and portfolio performance.

Experience Summary

Current Role
Cheryl has served as the Chief Credit Officer and Executive Vice President at Uwharrie Bank since 2015. In this role, she is responsible for establishing and implementing the bank's credit policies, managing the credit approval process, and monitoring the overall credit risk profile. Under her leadership, Uwharrie Bank has maintained a high-quality loan portfolio, consistently outperforming industry benchmarks for asset quality and credit risk management.

Career Progression
Prior to her current role, Cheryl held the position of Senior Vice President of Credit Administration at Uwharrie Capital Corp, the parent company of Uwharrie Bank, since 2008. She previously spent over 20 years at First Charter Bank, progressing through various credit-focused roles and ultimately serving as a Vice President. Throughout her career, Cheryl has demonstrated exceptional analytical and problem-solving skills, as well as a deep understanding of credit risk management and commercial lending.

Academic Background
Cheryl holds a Bachelor of Science degree in Business Administration from the University of North Carolina at Charlotte, where she graduated with honors.

Areas of Expertise

• Credit risk management

• Commercial lending and portfolio monitoring

• Financial analysis and underwriting

• Policy development and implementation

• Team leadership and strategic planning

Professional Impact
During her tenure at Uwharrie Bank, Cheryl has been instrumental in enhancing the organization's credit risk management framework, implementing data-driven decision-making processes, and fostering a culture of responsible lending. Her expertise has contributed to the bank's consistent profitability and low non-performing asset ratios, positioning it as a trusted financial partner in the Albemarle, North Carolina region.

Conclusion
With over three decades of experience in the banking industry, Cheryl Rinehardt is a seasoned credit risk management professional who has leveraged her deep expertise to drive sustainable growth and risk mitigation strategies at Uwharrie Bank. Her steadfast commitment to maintaining a high-quality loan portfolio and prudent credit practices has been integral to the bank's success and industry leadership.