BAYTOWN -- John M. Floyd & Associates (JMFA), a profitability and performance improvement consulting firm for financial institutions, today announced additions to the company's regional sales force.

Ron Goffman has joined the company as a regional director. He will be responsible for client services and consultation in Iowa, Nebraska, Minnesota, North Dakota and South Dakota. Goffman has 28 years of sales and consulting experience with financial institutions across the upper Midwest.

Prior to joining JMFA, Goffman worked for Fiserv, Modern Banking Systems, Digital Insight and New Ground Resources. Prior to working in the financial services industry, Goffman spent seven years in education and coaching. He received a Bachelor of Science degree from Bemidji State University.

Emily Crandall has been named a regional director for Alaska, California, Idaho, Oregon and Washington State. Crandall joined JMFA in 2007 as a sales associate, supporting regional directors in the north and southeastern states.

Prior to joining JMFA, Crandall worked in the Enterprise Learning Department at Bank of America, creating risk and compliance education for bank associates. She received her Bachelor of Arts degree from the University of California, Santa Barbara.

Michelle Fox has been named a regional sales representative. She will be responsible for supporting JMFA regional directors serving territories in New England and the Mid-Atlantic states.

Fox joined JMFA in 2007 as a sales associate. Her career began with BridgeStreet Worldwide where she was the Global Account Manager for seven major accounts, including Bank of America and Lehman Brothers. She received her Bachelor of Arts degree from Western Kentucky University.

"We are pleased to have the expertise of these three professionals on-board to provide our clients with sound recommendations for improving performance and profitability," said John M. Floyd, JMFA chairman and chief executive officer. "Their client service perspective, along with their knowledge of the difficult issues facing financial institutions today, will be beneficial in helping our clients plan and implement strategies to be successful in these challenging times as well as in the future."

About John M. Floyd & Associates:

John M. Floyd & Associates (JMFA) is a profitability and performance improvement consulting firm and a leading provider of overdraft privilege programs serving more than 2,000 financial institutions in all 50 states and Central America. JMFA is also recognized for training, executive placement and earnings enhancement programs, as well as product, service, pricing and technology improvement consulting. As a direct result of its programs, JMFA has helped thousands of clients dramatically improve their performance and bottom line. To learn more about JMFA, visit www.JMFA.com or call 800-809-2307.