Directory

Directory

Ernest Fletcher, Jr.

Coordinator, Commercial Banking Program - Finance, Insurance & Real Estate
Associate Clinical Professor - Finance, Insurance & Real Estate

Contact Information

Email:  Ernest_Fletcher@baylor.edu
Campus Phone:  (254) 710-7481
Fax:  (254) 710-1092
Mailing Address:  One Bear Place #98004
Waco, TX  76798
Office Location:  Foster Business and Innovation 320.47

Office Hours

Fall 2018
MW 1:30 - 4:30
Also by appointment

Work Experience

  • Associate Clinical Professor, Baylor University (August 21, 2017 - Present)
  • Treasurer, Community Loan Center of the Heart of Texas (December 13, 2016 - Present)
  • Board Member, Heart of Texas Goodwill Industries, Inc. (August 26, 2016 - August 1, 2017)
  • Board Member, Community Loan Center of the Heart of Texas (July 26, 2016 - Present)
  • Finance and Audit Committee, Heart of Texas Goodwill Industries, Inc. (January 28, 2016 - August 1, 2017)
  • Senior Lecturer, Baylor University (August 24, 2009 - August 20, 2017)
  • Managing Member, Caelum Altus I, LLC - Temple, Texas (August 2008 - Present)
  • Lecturer, Baylor University (June 1, 2002 - August 23, 2009)
  • Senior Vice President, First Community Data Processing Services, Inc. - Killeen, Texas (July 1998 - October 2001)
  • President, Financial Management Services, Inc. (May 1996 - Present)
  • Owner, Fletcher Enterprises - Temple, Texas (February 1995 - Present)
  • Change Manager, Treasury Product Services, NationsBanc Services, Inc. - Dallas, Texas (Subsidiary of NationsBank, N.A.) (March 1993 - February 1995)
  • Principal, Southwest Financial Services - Temple Texas (January 1990 - March 1993)
  • Senior Vice President, First Interstate Bank of Texas, N.A. - Dallas, Texas (Successor to Allied Bank of Texas) (May 1983 - June 1989)
  • Vice President, Allied Bank of Texas - Houston, Texas (March 1982 - May 1983)
  • Assistant Vice President, Allied Bank of Texas - Houston, Texas (May 1981 - March 1982)
  • Senior Bank Examiner, Texas Department of Banking - Dallas, Texas (July 1980 - May 1981)
  • Bank Examiner, Texas Department of Banking - Corpus Christi, Texas (January 1978 - July 1980)
  • Assistant Bank Examiner, Texas Department of Banking - Dallas, Texas (October 1975 - January 1978)

Awards and Honors

  • Circle of Achievement Award, Mortar Board (2012)
  • Circle of Achievement Award, Mortar Board (2009)
  • Outstanding Professor Award, Baylor Student Athletes (2008)
  • Beta Gamma Sigma National Honor Society
  • Financial Management Association International Honor Society

Licensures and Certifications

  • Registered Financial Consultant - Ethics Approved, International Association of Registered Financial Consultants (January 1, 2018 - December 31, 2018)
  • Registered Financial Consultant, International Association of Registered Financial Consultants (March 31, 2010 - Present)

Professional Memberships

  • Risk Management Association, North Texas Region (October 2016 - Present)
  • International Association of Registered Financial Consultants (March 31, 2010 - Present)
  • Financial Management Association International (December 1999 - Present)

Publications

Teaching and Learning Scholarship

"Sustainable versus Unsustainable Operating Cash Flows in UCA Cash Flow Analysis," Advances in Financial Education, (February 2018) (coauthors: John T. Rose).

Basic or Discovery Scholarship

"Do Students Respond to Their Grades? Evidence From Introductory Finance," Journal of Economic Insight, (January 2018) (coauthors: Finley Edwards, Chuck North).

"Estimating Temporary and Permanent Working Capital to Discern a Firm's Asset Financing Strategy," Journal of Accounting and Finance, Vol. 18, No. 6, (2018), pp. 94-104 (coauthors: John T. Rose, Charles W. Mulford).

Teaching and Learning Scholarship

"Cash Flow Statements for Commercial Credit Analysis: UCA vs. FASB 95," Advances in Financial Education, (Winter 2017), pp. 89-107 (coauthors: Rex Beach, John T. Rose).

"Introduction to Corporate Finance, 3rd Edition," : Cengage Learning, August 2015 (coauthors: R. Charles Moyer, James R. McGuigan, Ramesh P. Rao).

"Introduction to Corporate Financial Management, 2nd Edition," : Thomson Southwestern, January 2008 (coauthors: R. Charles Moyer, James R. McGuigan, Ramesh P. Rao).

Basic or Discovery Scholarship

"McCall Oil Incorporated: Cash Flow vs. Free Cash Flow Analysis," Journal of Financial Education, Vol. 33, (Summer 2007), pp. 81-101 (coauthors: James M. Tipton).

Applied or Integration/Application Scholarship

"What Recent College Graduates Should Know About Personal Budgeting," (April 2007).

Teaching and Learning Scholarship

"Introduction to Corporate Financial Management, 1st Edition," : Thompson Southwestern, August 2006 (coauthors: R. Charles Moyer, James R. McGuigan, Ramesh R. Rao).

Presentations and Proceedings

Basic or Discovery Scholarship

"Do Students Respond to Their Grades? Evidence from Introductory Finance," presented at the 53st Annual Meeting of the Missouri Valley Economic Association, Hyatt at the Arch, St. Louis, MO, October 2016 (coauthors: Finley C Edwards, Chuck North).
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