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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.

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

Anthony Santoro

Senior Vice President, Commercial Relationship Manager, Bucks County

267-753-6968

  • 16 years banking experience
  • BBA in Finance, BBA in Marketing, Temple University
  • Active with Big Brothers and Big Sisters of Bucks County

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

Edwin Román

Vice President, Commercial Lending Philadelphia Market

484-985-5616

  • 13 years banking experience
  • Served in the Pennsylvania National Guard; completed various banking courses
  • 2014 ”Professional of the Year”- Greater Philadelphia Hispanic Chamber of Commerce; Board Member & former Vice Chair, Greater Philadelphia Hispanic Chamber of Commerce; Board Member, Enterprise Center Capital Corporation; Past Member Executive Board - Multicultural Affairs Congress (MAC); Past Advisory Board Member of Greater Philadelphia Chamber of Commerce Small Business; Past Board Member of Norris Square Civic Association; and 2007 “Hispanic Business Professional of the Year” - Hispanic Choice Awards

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

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

Vice President, Commercial Lending Relationship Manager, Delaware Valley

610-422-2327

  • 15 years banking experience
  • BBA in Finance and Real Estate, Fox School of Business at Temple University; Stonier Graduate School of Banking; The Wharton School of Business, Executive Leadership Education
  • Board Member, Community Lenders Community Development Corporation; Member, Risk Management Association (RMA); Member, Main Line Society of Professional Women (SPW)

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

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.

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.

George Agamaite

Vice President , Relationship Manager – Multi-Family Lending and Investment Real Estate, Philadelphia, PA

484-985-1010

  • 22+ Years banking experience
  • BBA Finance, Investment and Banking UW – Madison; MBA Accounting, University of Wisconsin Madison - Graduate School of Business, Madison, WI.
  • Active in Various Autism Societies
  • Lending in PA, NY, NJ, MD, DE, VA

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

Mario Campbell

Vice President, Government Guaranteed Lending, Northeast Region

914-255-2978

  • 28 years banking experience
  • Member, Lions Club, Mortgage Bankers Association, and Autism Awareness

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

John Dovenbarger

Vice President,
Government Guaranteed Lending, Western U.S. Region

720-369-2846

  • 25 years banking experience
  • BS, in Accounting, Regis University
  • Volunteer, Habitat for Humanity - Denver, CO and the Hope House - Arvada, CO

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

Paul Finnican

Vice President,
Government Guaranteed Lending, Nationwide

704-458-0120

  • 23 years in SBA lending experience
  • Attended Suffolk County Community College & Hunter College
  • Volunteer, 3256 Foundation.org and board member with NCACPA

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

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