About Us
Garland Consulting, LLC

Established as a sole proprietorship in 1994 in San Antonio, Texas by owner, T. Michael Garland. In 1996 Mr. Garland moved to Lubbock, Texas. On February 4, 2009 the form of ownership was converted to its current status as a Limited Liability Company in the state of Texas. The company is currently in the process of moving to Ponte Vedra, Florida.
T. Michael Garland

After graduating from Texas Tech University in December 1981 with a BBA-Finance degree, Mr. Garland began his career as a bank examiner with the Office of the Comptroller of the Currency (OCC) in west Texas and eastern New Mexico (Lubbock, Amarillo & Midland Duty Stations).

In 1986 Mr. Garland temporarily got off the road to work for Century National Bank a $100MM community bank in Austin, Texas. Duties included SBA lending, compliance, and regulatory reporting requirements under the bank's formal agreement with the OCC.

In 1987 Garland accepted a position as a Senior Loan Review Officer in the Austin office of First City Bancorporation of Texas (First City), a multi-billion dollar bank holding company based in Houston, Texas. After performing loan reviews for First City in their banks primarily located in the western half of Texas (Austin, San Antonio, Midland, San Angelo, El Paso, Corpus Christi, Aransas Pass, Bryan/College Station, Madisonville, & Houston), Mr. Garland moved to Little Rock, Arkansas in 1993 and accepted a postion with Worthen Banking Corporation, a multi-billion dollar bank holding company, as Vice President & Loan Review Manager.

GARLANDConsulting, LLC