CHARLOTTE, N.C. -- Not too many NCNB Corp. executives would dare challenge chairman Hugh L. McColl, Jr., but Fredric J. Figge 2d has seen his career flourish by doing just that.

As NCNB's chief credit officer, Mr. Figge has spent the past four years imposing some controls on the company's explosive growth. Much of that effort involved reining in Mr. McColl, who is famous for his damn-the-torpedoes management style.

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