Experience

Loyal Trust Bank

• United States
• Banking
• 1 - 100 Employee

• President, CEO & Director

  • Feb 2022 - Present

  Selected by the Loyal Trust Bank Board to lead this organization focused on providing banking and financial services to Georgia's multicultural communities with a specific outreach to Asian communities. Our mission is supported by a deeply dedicated board of directors and an outstanding team of bankers. Selected by the Loyal Trust Bank Board to lead this organization focused on providing banking and financial services to Georgia's multicultural communities with a specific outreach to Asian communities. Our mission is supported by a deeply dedicated board of directors and an outstanding team of bankers.



Synovus

• United States
• Financial Services
• 700 & Above Employee

• Regional Credit Officer

  • Mar 2018 - Feb 2022

  Reported to the Chief Credit Officer for the Synovus Community Bank. Provided primary credit support to the bank’s SBA and USDA lending initiatives across a five-state footprint. Responsible for: assisting lenders in structuring transactions; the approval/declination of loan submissions; the maintenance of portfolio credit quality and management of the government guaranteed underwriting team comprising five senior commercial loan underwriters. Nationally, Synovus is ranked in the top fifty most active SBA lenders and is in the top fifty largest banks( by asset size) in the country. Show less



WesBanco

• Banking
• 700 & Above Employee

• President, CEO & Director, Regal Bancorp/ Regal Bank &Trust (acquired by Old Line Bank, 12/2015)

  • Jun 1995 - Jun 2016

  Reported to the Board of Directors. Maintained full profit and loss responsibility for this successful community based, commercial bank; targeting the Maryland marketplace: • Managed Regal ’s conversion from a thrift to a state chartered commercial bank, then successfully led the teams that built the commercial real-estate, commercial-industrial, SBA, consumer and residential mortgage loan portfolios, while maintaining credit quality. • Personally, directed Regal Bank’s growth from a newly approved SBA lender, to the number one ranked community bank SBA loan provider in Maryland. • Led the development and implementation of the bank’s: commercial, consumer and residential mortgage loan programs; including its compliance, asset-liability (ALM) and investment policies and procedures. • Subsequent to joining Regal, managed it from an unprofitable to a profitable position; achieving ROA and ROE levels meeting or exceeding the performance of Regal Bank’s peer group. Successfully negotiated the sale of this 70 year old financial institution at a record price, on a multiple of tangible book value basis, for in market post recession bank transactions. Old Line Bank is now WesBanco, a $16 billion ( assets ) financial institution. Show less



Atlantic Community Bankers Bank ( ACBB )

• United States
• Banking
• 1 - 100 Employee

• Chairman of the Board of Directors

  • 2005 - 2011

  Chairman of the executive and loan committees; and member of the audit, asset/ liability, and compensation committees. This position and the position of President and CEO of Regal Bank & Trust were held concurrently through the "Great Recession". Atlantic Community Bankers Bank is an $800 million (assets) co-operative financial institution providing correspondent banking and loan syndication services to its over 300 member community banks throughout the mid-Atlantic and New England regions. Regal Bank & Trust was an ACBB shareholder bank. Show less



M&T Bank

• United States
• Financial Services
• 700 & Above Employee

• Managing Director and Executive Officer of the Commercial Banking Division

  • 1987 - 1994

  Reported to the Chairman and CEO of Provident Bank of Maryland, which was acquired by M&T Bank. As Managing Director, maintained full P&L responsibility for Provident’s: Commercial lending, cash management, dealer floor plan, small business (SBA), private banking and asset based lending programs. While division manager, personally developed and managed a $75 million middle market commercial loan portfolio within a several hundred million dollar divisional portfolio position. Managed this key business unit of a multi-billion dollar asset bank from an unprofitable to a profitable position in eighteen months. Show less