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Commercial Lending Please contact one of our experienced Commercial Bankers today: Tim Romig Executive Vice President Banking Group Director, Pennsylvania and New Jersey 484-334-4225 Over 31 years of banking experience American Institute of Banking; Risk Management Association; American Bankers' Association Commercial Lending School Attended Reading Area Community College; the American Institute of Banking; RMA/ABA Commercial Lending School, Bucknell University Associate Board Member, Ben Franklin Technology Partners; Penn State Berks County Advisory Board; Director Hawk Mountain Council Boy Scouts of America; Director, Greater Berks Development Fund
Berks/Schuylkill Counties Robert Fischer Senior Vice President, Relationship Manager, Reading, PA 484-334-4192 18 years banking experience BS in Accounting, Alvernia University; School of Banking, Dickinson University; Advanced School of Banking, Bucknell University Serve on Wernersville zoning Board; volunteer for Conrad Weiser School District youth sports Chad Johnson Senior Vice President, Relationship Manager, Reading, PA 484-334-4191 11 years banking experience BS in Business Administration, Kutztown University; MBA Villanova University; Advanced School of Banking, Bucknell University; Commercial Lending School, Temple University Board member, Big Brothers and Big Sisters of Berks County; board member, Cumru Township Municipal Authority; committee member, Reading Downtown District's Holiday Parade; classroom volunteer, Junior Achievement; volunteer, Awesome Dawgs Animal Therapy group. Andrew J. Herbein Vice President, Berks County Commercial Banking 484-334-4081 22 years banking experience BS in Business Administration and Management Information Systems, Delaware Valley University Active with the Children’s Home of Reading, Olivet Boys and Girls Club, United Way of Berks County, and Boy Scouts of America – Hawk Mountain Council Mary Ann Moffitt Senior Vice President, Berks County Commercial Banking Group 484-926-7040 26 years banking experience BS in Finance, St. Joseph’s University; Graduated from the American Bankers Association’s Central Atlantic School of Commercial Lending at Bucknell University. Berks Women in Crisis – Board Member, Executive Committee Member, Chairperson of Development Committee; Family Promise, Board Member Keith Phillips Senior Vice President, Relationship Manager, Reading, PA 484-334-4180 30 years banking experience BS in Business Administration, Millersville University; School of Commercial Lending, Bucknell University Director and past president, Hamburg Rotary Club; Heidelburg Country Club Golf committee Director; volunteer, Hawk Mountain boy Scout Leadership Dinner; volunteer, Kutztown University's Business and Industry Campaign; member, Keystone Business Club. Lawrence Snow Senior Vice President, Commercial Deposit Services Manager 484-334-4293 15 years banking experience BA in Finance/Banking, Alvernia University; Certified Treasury Professional (CTP) Former Elementary and Junior High Wrestling Coach; treasurer, Athletic Association; classroom volunteer Junior Achievement; and United Way Company Campaign Chairman. Caitlin Degler Assistant Vice President, Commercial Deposit Sales Officer 484-334-4544 7 years banking experience Attended Millersville University Treasurer, West Reading Main Street Authority; charter member and secretary, West Reading–Wyomissing Lions Club; member, Greater Reading Young Professionals; member, West Reading Business Association; member, Berks Volunteer Leadership Council for the American Cancer Society.
Bucks County Jonathan W. Klass Senior Vice President, Commercial Relationship Manager, Bucks County 484-366-6377 21 years banking experience Attended East Stroudsburg University; AIB General Banking Diploma; AIB Consumer Credit Diploma; AIB Commercial Credit Diploma Advisory Board Member, Women’s Center of Montgomery County; First State Community Loan Fund Board Member and Loan Committee Member; Big Brothers Big Sisters Golf Outing Committee
Philadelphia Varsovia Fernandez Senior Vice President, Philadelphia Market Leader 215-717-7957 Over 20 years of management experience in not for profit, financial services, boutique technology, ecommerce and start up B.S. in Business Management, Rosemont College Actively involved in the community and serves on boards and commissions including Comcast National Joint Diversity Advisory Council, Greater Philadelphia Chamber of Commerce, Community College of Philadelphia Foundation, Rosemont College and the PA Early Learning Investment Commission Denise Payne Vice President, Commercial Lending, Philadelphia Region 215-717-7958 28 years banking experience RMA Commercial Lending School Order of Eastern Star, Philadelphia PA James Sanders Vice President, Commercial & Industrial Lending, Philadelphia Market 215-717-7962 10 years banking/financial services experience BS in Economics & Finance, Virginia State University; Executive Masters of Business Administration (EMBA), Temple University, Fox School of Business Board Member, The Enterprise Center, Virginia State University Foundation; Chairman, Fox School of Business Executive MBA Alumni; Vice Chairman/Secretary Mu Omega Foundation of Delaware Valley
Delaware Valley Warren F. Beideman III Senior Vice President, Delaware Valley 484-302-0934 36 years banking experience BS in Business Administration, LaSalle College Board Member, The Lighthouse; Eastern Pennsylvania Youth Soccer Association John J. Camero, III Vice President, Commercial Lending, Relationship Manager, Delaware Valley 610-917-3268 18 years banking experience BS in Business Administration, Saint Joseph’s University, Masters in Organizational & Strategic Leadership, Neumann University Vice Chairman, Delaware County Community College Foundation Board; Member, Risk Management Association (RMA) Elizabeth Le Senior Vice President, Commercial Lending Relationship Manager, Delaware Valley 610-422-2327 Executive MBA from the Richard J. Fox School of Business and Management, Temple University Graduate of the Wharton Leadership Program from The Wharton School, Aresty Institute of Executive Education, University of Pennsylvania Graduate of the American Bankers Association (ABA) Stonier Graduate School of Banking BBA in Finance and Real Estate, Fox School of Business at Temple University Board and Loan Committee Member, Community Lenders Community Development Corporation
New England Providence Steven Issa Executive Vice President, New England Market President 401-553-5001 Over 30 years banking experience Undergraduate degree and M.B.A. from Bryant University Active member of Rhode Island’s community, serving on the boards of the Greater Providence Chamber of Commerce, Delta Dental of RI, Presidents Council at Providence College, Miriam Hospital and the Governor’s Commodore Advisory Boards. Kevin Farrell Market Manager, Senior Vice President 401-553-5006 Over 25 years banking experience BA in Economics with Honors from Providence College Board of Directors - Business Development Company of RI Finance Committee - St. Raphael Academy Audit Committee - St. Jude Past member of Board of Directors: RI Community Food Bank, American Red Cross of RI, Rebuilding Together, Junior Achievement Michael J. Solomon Senior Vice President 401-553-5007 Over 20 years banking experience Master’s in Business Administration from University of Rhode Island BS in Business Administration from Boston University Island Greater Providence Chamber of Commerce Membership Drive Participant Past Member of Rhode Island Housing Board of Commissioners Past Member of Rhode Island Higher Education Assistance Authority Board of Directors Past Member of Governor’s Regulatory Review Task Force Board Member, Boys & Girls Clubs of Providence Boston David A. Bourret Senior Vice President, Relationship Manager 617-443-4332 Over 35 years of banking experience BS, Finance, magna cum laude, Boston College Former member of the board of St. John’s Community Nursery School, Hingham and of Jackson Walnut Park Schools, Newton, MA James B. Daley Vice President, Relationship Manager 617-443-4332 10 years of banking experience Bachelor’s Degree in Business Administration with a concentration in International Business from The George Washington University Joseph O'Leary, Jr. Senior Vice President and Group Manager 617-443-1121 Over 30 years banking experience Graduate of Stetson University Former Co-Chairman, current Board Member of 495 MetroWest Partnership
New Jersey Randy Hanks Senior Vice President, Regional Market Executive, New Jersey 215-375-7221 28 years banking experience BS in Finance, Rider University Board Member MIDJersey Chamber of Commerce; Board Trustee Rescue Mission of Trenton Carol Budd Senior Vice President, Commercial Relationship Manager, New Jersey 609-865-2458 Over 30 years commercial lending experience Associates Degree in Business Administration with High Honors from Mercer County Community College; numerous commercial lending training courses. Current – Board and Finance Committee Member, Prevention Education, Inc. and Finance Committee. Previously served on the Board of Better Business Bureau and Salvation Army. Former member of Hamilton Township Rotary Club. Doreen Goch Senior Vice President, Commercial Relationship Manager, New Jersey 609-807-7989 25 years banking experience BS in Accounting, Rutgers School of Business Board Member and Secretary of the Mobile Meals of Hamilton Township, Inc.
New York Metro George Maroulis Managing Director, Executive Vice President & Head of CB Private & Commercial Banking – NY Metro, Chicago and Washington DC 212-843-4544 Costas Ziozis Managing Director, Executive Vice President & Co-Head of CB Private & Commercial Banking 212-843-4544 Marshall Perrin Managing Director, Executive Vice President & Regional Chief Lending Officer, NY Metro, Chicago and Washington DC 212-843-4544
Multi-Family Housing Ken Keiser Executive Vice President, Director Commercial Real Estate and Multi-Family Lending, Wyomissing, PA 484-923-8800 38 years banking experience BS in Education, Millersville University; Graduate, Central Atlantic School of Commercial Lending, Bucknell University Former Treasurer, Berks County Committee for Affordable Housing; member and past president of the Greater Reading Kiwanis Club and Homebuilders Association of Berks County; volunteer, United Way of Berks County; former Treasurer and board member, Keystone/Miller Blood Bank; instructor, American Institute of Banking. Brett Long Senior Vice President, Relationship Manager, Wyomissing, PA 610-422-2325 17 years Banking experience BS in Business Administration/Finance, Bloomsburg University; MBA in Finance, St. Joseph’s University; Graduate of the Pennsylvania Bankers Association Executive Leadership Program Treasurer and coach for the Hamburg Area Soccer Association; Treasurer and Den Leader for Cub Scout Pack 120; past board member of the Greater Berks Food Bank Christopher McGowan Executive Vice President, Commercial Mortgage Department at Customers Bank, NY Metro Market 516-501-2006 16 years banking experience BS in communications, State University of New York at New Paltz; MS in Real Estate Valuation, Schack Institute at New York University Jeffrey Siebold Senior Vice President, Relationship Manager, Southeastern PA/NJ 484-725-9539 24 years banking experience Associates degree in Business Administration, Bucks County Community College; American Bankers Association National Commercial Lending School; American Bankers Association National Commercial Lending Graduate School; Lean Manufacturing Certification from Delaware Valley Industrial Resource Center Former President and board member, The Kiwanis Club of Pennridge; former Treasurer and board member, Gilda's Club of Delaware Valley Associate Board. Steve Silverberg Vice President, Relationship Manager 212-843-2497 18 years banking experience BS in Economics, Wharton School, University of Pennsylvania; JD, Benjamin Cardozo School of Law Board Member, Bolivar Apartment Corp.
Government Guaranteed Lending Pamela E. Davis Senior Vice President, Government Guaranteed Lending - Delaware Valley 484-923-2170 35 years banking experience and 30 years Government Guaranteed Lending Graduated, Stonier Graduate School of Banking and PBA School of Banking PA Best 50 Women in Business Award; Philadelphia Business Journals “40 under 40”; PA Honor Roll of Women; PAWBO Women’s Advocate of the Year Award; Philadelphia Chamber of Commerce Financial Services Advocate of the Year Award for the City of Philadelphia Jeffrey Dickey Vice President, Government Guaranteed Lending 484-682-4440 15 years banking experience BS in Marketing, University of Delaware Coaching ARA & Methacton Wolverines Rhett C. Duleba Vice President, Government Guaranteed Lending, Nationwide 980-328-1666 18 years banking experience Attended Gannon University Pop Warner football coach for 6 years Joanne W. Jolin Vice President, Government Guaranteed Lending, Florida and Nationwide 407-761-4114 35 years commercial banking experience and 20 years SBA Lending Member Small Business Resource Network-Central Florida Chapter Affiliate Member Business Brokers of Florida, ACG–Orlando Chapter Volunteer Member Black Business Investment Fund (non-profit), a CDI and CDFE certified by the U.S. Treasury Past Chair of Central Florida SBA Lenders Group/FLAGGL Active Board Member for local business through Advisory Board Council - National Entrepreneur Center 2012 North Florida and State SBA Financial Services Award Recipient Lisa Kennedy Vice President, Government Guaranteed Lending - Delaware Valley 610-422-2332 27 years banking experience and 25 years of SBA/Government Guaranteed Lending experience BS in Accounting, Saint Joseph’s University, MBA in Finance, Saint Joseph’s University Active with local school’s fundraising efforts and activities. Guest speaker for Saint Joseph’s University, Philadelphia Bar Association and PICPA Jennifer McKay Vice President, Government Guaranteed Lending, New England 508-667-5163 20 years in banking experience BS in Business Administration, minor - Finance and Banking, Nova Southeastern University; Master’s Degree in Business Administration, Nichols College Chamber of Eastern CT – Member of the Chamber Foundation; volunteer, Junior Achievement; All Saints Academy Finance Committee Jennifer Mason Vice President, Government Guaranteed Lending in New England 781-771-3919 Over 30 years of banking experience BS in Business Administration and Finance, University of Florida Volunteer, Boston Food Bank and Thompson Island Outward Bound Valarie K. Nussbaum-Harris Vice President, Government Guaranteed Lending, Southeastern U.S. 727-580-3827 27 years banking experience BA in Political Science, University of Florida Board Member, Sunshine State Economic Development Corporation Past Board Membership: Big Brothers Sisters of Tampa Bay, Leadership Tampa Bay, Clearwater Jazz Holiday, St. Petersburg Board of Adjustments Stephanie Schwandt Vice President, Government Guaranteed Lending, Nationwide 850-276-0484 27 years in SBA lending experience BS in Finance, LSU Michael Signorelli Vice President, Government Guaranteed Lending, Nationwide 214-763-5069 32 years in banking experience and 27 years in SBA lending experience Bachelor of Business Administration, Southern Methodist University Serves on the board of North Texas Association of Government Guaranteed Lenders Michele L. Vervlied Vice President, Government Guaranteed Lending - Delaware Valley 484-920-7046 28 years banking experience and 24 years of SBA/Government Guaranteed Lending experience BA in Economics and Accounting, Ursinus College Technical Issues Committee Member for National Associate of Government Guaranteed Lending
Specialty Finance Group Lyle P. Cunningham Senior Vice President, Specialty Finance 610-482-4225 30 years of banking and commercial finance experience B.S. Accounting – Pennsylvania State University S. Scott Gates Vice President 484-302-3044 20 years of banking and commercial finance experience AB Economics and Government and Law from Lafayette College in Easton, PA
Commercial Finance Group Sam Smith III Senior Vice President, Commercial Finance Group 603-997-6911 Over 30 years of experience in the equipment finance and leasing industry Founding Member and Managing Director of EverBank Commercial Finance – Industrial Group, responsible for overall management of the business unit including sales, credit, operations and syndication; voting member of senior credit committee Co-founder, President and Chairman of Wentworth Capital; sold to Charter Financial and subsequently to Wells Fargo BA in Business Administration from Rollins College Kurt A. Kolesha Vice President, Sales – Commercial Finance 508-527-0520 24 years of banking and equipment finance experience BS in Accounting from East Carolina University, Greenville, NC Past Board member – Newburyport Youth Hockey Past Volunteer – Dale Carnegie Sales Training George C. Muhoray Vice President, Commercial Finance 440-821-4037 30 years of banking and equipment finance experience BS in Business Administration from Miami University in Oxford, OH Secretary, Board of Directors – Miami University Men’s Rugby Alumni Association Vice President, Board of Directors – Cleveland Magyar Athletic Club Volunteer/Asst. Scout Master – Hungarian American Scouting Association Volunteer – Pease Greeters Sam Smith IV Business Development Officer 603-997-2053 5 years of banking and equipment finance experience BS Construction Management from Wentworth Institute of Technology in Boston, MA Customers Bank Android App
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