Ernest Fletcher, Jr.
Clinical Associate Professor - Finance
Contact Information
Work Experience
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Associate Clinical Professor, Baylor University (August 21, 2017 - Present)
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Treasurer, Community Loan Center of the Heart of Texas (December 13, 2016 - December 31, 2018)
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Board Member, Heart of Texas Goodwill Industries, Inc. (August 26, 2016 - August 1, 2017)
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Board Member, Community Loan Center of the Heart of Texas (July 26, 2016 - December 31, 2018)
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Finance and Audit Committee, Heart of Texas Goodwill Industries, Inc. (January 28, 2016 - August 1, 2017)
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Senior Lecturer, Baylor University (August 24, 2009 - August 20, 2017)
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Managing Member, Caelum Altus I, LLC - Temple, Texas (August 2008 - Present)
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Lecturer, Baylor University (June 1, 2002 - August 23, 2009)
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Senior Vice President, First Community Data Processing Services, Inc. - Killeen, Texas (July 1998 - October 2001)
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President, Financial Management Services, Inc. (May 1996 - Present)
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Owner, Fletcher Enterprises - Temple, Texas (February 1995 - Present)
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Change Manager, Treasury Product Services, NationsBanc Services, Inc. - Dallas, Texas (Subsidiary of NationsBank, N.A.) (March 1993 - February 1995)
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Principal, Southwest Financial Services - Temple Texas (January 1990 - March 1993)
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Senior Vice President, First Interstate Bank of Texas, N.A. - Dallas, Texas (Successor to Allied Bank of Texas) (May 1983 - June 1989)
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Vice President, Allied Bank of Texas - Houston, Texas (March 1982 - May 1983)
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Assistant Vice President, Allied Bank of Texas - Houston, Texas (May 1981 - March 1982)
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Senior Bank Examiner, Texas Department of Banking - Dallas, Texas (July 1980 - May 1981)
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Bank Examiner, Texas Department of Banking - Corpus Christi, Texas (January 1978 - July 1980)
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Assistant Bank Examiner, Texas Department of Banking - Dallas, Texas (October 1975 - January 1978)
Awards and Honors
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Circle of Achievement Award, Mortar Board (2012)
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Circle of Achievement Award, Mortar Board (2009)
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Outstanding Professor Award, Baylor Student Athletes (2008)
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Beta Gamma Sigma National Honor Society
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Financial Management Association International Honor Society
Licensures and Certifications
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Registered Financial Consultant, International Association of Registered Financial Consultants (March 31, 2010 - Present)
Professional Memberships
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Risk Management Association, North Texas Region (October 2016 - Present)
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International Association of Registered Financial Consultants (March 31, 2010 - Present)
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Financial Management Association International (December 1999 - Present)
Publications
Basic or Discovery Scholarship
"Whitley Manufacturing Company: A Commercial Credit Case Study Using UCA Cash Flow Analysis,"
Journal of Finance Case Research, Vol. 19, No. 2, (December 2021), pp. 25-35 (coauthors: JT Rose).
Teaching and Learning Scholarship
"Digging Deeper into UCA Cash Flow Analysis: Sustainable versus Unsustainable Operating Cash Flows,"
The RMA Journal, Vol. 103, No. 2, (October 2020), pp. 42-55 (coauthors: John T. Rose).
"Sustainable versus Unsustainable Operating Cash Flows in UCA Cash Flow Analysis,"
Advances in Financial Education, (Summer 2019), pp. 24-51 (coauthors: John T. Rose).
"A Note on Using UCA Cash Flow Analysis to Discern the Purpose(s) of a Firm's Short-Term Borrowing,"
Journal of Accounting and Finance, Vol. 19, No. 1, (2019), pp. 32-38 (coauthors: John T. Rose).
Basic or Discovery Scholarship
"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).
"Do Students Respond to Their Grades? Evidence From Introductory Finance,"
Journal Of Economic Insight, Vol. 44, No. 2, (2018), pp. 1-20 (coauthors: Finley Edwards, Chuck North).
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).
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).
Presentations and Proceedings