Author Archives: Marie Browning

About Marie Browning

Marie Browning Marie Browning serves at SBFI’s Editor for the ‘Capital’ series of information pages, tracking the people, events, training and opinions of business lending across the U.S. In addition,she serves as Project Coordinator to manage the production of several content initiatives for the website and production of training presentations. Her background includes experience in general business, financial management and banking, and has worked with Managing Director Charles Green at two other companies. When not focused on business lending, Marie is a nature photographer and has published an impressive body of work from her hobby. She can be contacted at

Torrey Pines Bank Names New Regional President

By Joyce Dimaculangan

Torrey Pines Bank announced the hiring of Fred Voss as Regional President of the San Francisco Bay Area market. In his new role, he will be responsible for growing the Bank’s market share in the Bay Area. He will also head area teams in meeting the commercial banking needs of business owners, real estate investors and professionals. He will be based in Torrey Pines Bank’s Oakland location.

Voss brings 25 years of experience in the banking industry. Before joining Torrey Pines Fred Voss Torrey Pines BankBank, he served as Senior Vice President/Team Leader Commercial Lending at a private bank and wealth management company in California. He also held various senior level positions in business banking, commercial lending, and relationship development from large institutions and community banks.

“Given his proven track record focusing on teamwork and working closely with local businesses to provide added value, Fred Voss shares the values of Torrey Pines Bank,” commented Gary Cady, CEO of the Bank. He added that Voss’ can-do attitude will be beneficial to the Bank’s Oakland and Los Altos offices in helping area organizations grow their businesses.

Voss earned a Bachelor of Arts degree in Economics and Business from the University of California in Los Angeles.

About Torrey Pines Bank

Torrey Pines Bank is a California commercial bank with the capacity to keep local business thriving. With California’s diverse economic and business environments, the bank is able to offer services to meet the unique challenges and opportunities faced by local entrepreneurs. Founded in 2003, Torrey Pines Bank provides customers direct access to experts who can help grow their businesses and the local economy as well. To learn more, go to

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Essex Bank Executive Vice President Retires

Essex Bank, the banking subsidiary of Community Bankers Trust Corporation (NASDAQ: ESXB) announced that its Executive Vice President and Chief Credit Officer, W. Thomas Townsend  will retire on June 30. Patricia M. Vogel, currently the bank’s Senior Vice President and Senior Credit Officer, will assume the post on July 1.

Mr. Townsend has been serving the Bank in his current position since Essex Bank LogoJanuary 2011. He has been working in the banking industry for 42 years. He served 20 years in the Federal Reserve Bank of Richmond and contributed 22 years as a commercial banker.

“On behalf of our Board of Directors and the management team, we are very grateful for all of Tom’s efforts during what were trying times. His leadership paved the way for a much quicker return to safety and soundness for our organization than anyone expected.” stated Rex L. Smith, III, President and Chief Executive Officer of Community Bankers Trust Corporation and Essex Bank in a release. “Given Patti’s close collaboration with Tom during our turnaround, her promotion to the Chief Credit Officer position will ensure a smooth transition and a continuation of everything that we have done to return to a strong competitive position in our markets. Patti’s contribution to our efforts will keep us excited about the future.”

Patricia M. Vogel joined the bank as a Loan Review Officer in 2009 and was promoted to the current position in January 2011. She has been serving the banking industry for 25 years with 14 years in credit risk management. She also worked at executive management level at First Charter Bank in Charlotte.

About Essex Bank:

Essex Bank, a growing small business, provides all the banking services to consumers in Virginia and Maryland.  Its new headquarters is located in Richmond, Virginia.  More information is available on

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CenterState Bank Hires New Vice President

CenterState Bank has named Jarrod Trefelner Vice President Commercial Loan Officer. Trefelner is a native of Fort Pierce, and was worked as a commercial lender in the St. Lucie County market for nearly 10 years.  The announcement was made by Tammie Roncaglione, St. Lucie County community president.

Trefelner’s education includes a BSBA from Salem State Trefelner,Jarrod-CenterState BankUniversity; a MBA from the University of Florida and he is also a graduate from the FBA School of Banking at the University of Florida.

He proudly served as a Sonar Technician and Work Center Supervisor in the U.S. Navy for 5 years. Trefelner acquired his financial background at State Street, where he was a Mutual Fund Accountant, processing income, expenses and security transactions While there, he also delivered Net Asset Value calculations of multiple mutual funds; at PNC Bank where he was Business Banker – Assistant Vice President, selling and cross-selling  Business Banking deposit, credit and treasury management products; and by serving as Assistant Vice President Relationship Manager at J.P. Morgan where he focused on businesses with up to $10 million in annual revenues.

About Center State Bank:

CenterState Bank is owned by Centerstate Banks, Inc., headquartered in Davenport Florida. Currently the Company has 51 branches in Central Florida.  In addition to the  traditional deposit and lending products for both individuals and businesses, the Company also provides bond sales services; correspondent bank checking and fed funds purchased products; and safekeeping, bond accounting and asset/liability consulting services to small- to medium-size financial institutions throughout Florida, Alabama and Georgia.  For more information, please visit

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Celtic Bank Names Ben Smith Vice President

Celtic Bank Names Ben Smith Vice President

Celtic Bank has named Ben Smith Vice President of Business Development in its SBA and Commercial Lending Department. Smith will work in Salt Lake City, Utah and will report to Tom Green, Senior Vice President of SBA Lending of the Celtic Bank.

In a news release, Green stated, “We are excited to bring Ben on board as we continue to grow and expand our business.”

Smith has a strong background in the fields of real estate acquisition and commercial Smith,Ben-Celtic Bankfinance. The new Vice President has served the industry for more than 11 years. He started his profession as Commercial Loan Underwriter at Zions Bank and was promoted to Loan Acquisition Officer. In the recent past, Smith, with a strong educational background, performed as Vice President of Acquisitions for a Utah private equity firm, and played an important role in the acquisition of value added residential and commercial real estate at the national level.

Smith receive a Bachelor of Arts degree in Finance from the University of Utah.

Craig Calafati, Executive Vice President of SBA Lending at Celtic Bank, added, “Ben’s diverse background in both real estate acquisition and commercial financing is a tremendous asset to Celtic Bank.”

About Celtic Bank:

The bank, which was nominated as the sixth largest SBA lender in the US for fiscal year 2013, provides business and real estate lending solutions. The Celtic Bank, with trained specialists,offers lending solution and supports customers with a wide range of loans throughout the country. More information regarding the bank can be found on

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Greater Texas Capital Earns SBA Pinnacle Award

by Marie Browning

The U.S. Small Business Administration (SBA) presented its annual Pinnacle Award to Greater Texas Capital Corporation (GTCC) for being the top rated Certified Development Corporation (CDC) for 504 lending in the Dallas-Fort Worth District. This recognition follows $58.8 million in loans secured by GTCC for 65 small businesses in Texas. Fifty-one of those loans valued at $40.4 million were given in North Texas.

GTCC collaborates with small community banks, regional and national banking organizations to provide financial aid to small Greater-Texas-Capital-Corpbusinesses in the manufacturing, retail, and service industries. They aim to provide property and equipment financing solutions to start-ups, as well as existing and expanding businesses.

Greg Dunn, GTCC director of sales and marketing, said “GTCC is grateful that many banking partners entrust them with their SBA 504 loan needs.” He added, “Because we can offer a lower down payment and long-term fixed rate options that banks can’t, the SBA 504 loan program is one of the best options for small businesses looking to finance their commercial real estate and long-term fixed assets.”

The SBA 504 lending program benefits both the borrower and the lender. With it, borrowers can use the loan proceeds to finance their acquisition of major fixed assets needed for construction, expansion, renovation, or whatever is needed for their businesses while the participating bank partner can offer 20-year fixed rate financing up to 40% of the financing request.

About Greater Texas Capital Corporation

Greater Texas Capital Corporation is one of the country’s fastest growing Certified Development Corporations that provides below market 20 year fixed rate financing for eligible commercial real estate projects. They partner with SBA and other business lenders to provide loans to small businesses. To know more about GTCC, visit their website at

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CAN Capital Names Kenneth Gang as Chief Risk Officer

By Marie Browning

CAN Capital (formerly Capital Access Network) announced the appointment of Kenneth Gang as Chief Risk Officer. Gang will be responsible for overall risk management, including credit and operational risks, for CAN Capital.

Prior to joining CAN Capital, Gang was also Chief Risk Officer and founding executive in Global Lending Services, an automotive lender. He headed the company’s product development, score model development, decision sciences and analytics. Gang formulated growth strategies and launched several analytics-driven growth initiatives. Earlier in his career, he also provided his expertise to several companies including Hyundai Capital America, Wells Fargo Auto Finance, and HSBC North America.

Daniel DeMeo, Chief Executive Officer of CAN Capital, said, “We’re delighted Ken is joining our team with more than 20 years of credit and risk management experience. Gang brings to CAN Capital his entrepreneurial background and years of understanding credit risk assessment. He is an expert when it comes to credit policy, digital automation, and new market expansion and his competence will benefit CAN Capital’s future growth plans.”

Gang has 23 years of experience in comprehensive banking and consumer finance industry. He earned a B.S. in Marketing Management and Research and an M.B.A. in Finance and Accounting from the University of Illinois at Chicago.


About CAN Capital

Established in 1998, CAN Capital is the pioneer and market share leader in alternative small business finance. It has provided access to nearly $4 billion in capital for thousands of small- and medium-sized businesses. CAN Capital operates through its subsidiaries: CAN Capital Merchant Services, Inc. CAN Capital Asset Servicing, Inc., and PredictiFund, Inc.

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Jean Barrett is First Oklahoma Bank’s New Vice President

by Marie Browning

First Oklahoma Bank announced that Jean Barrett is its new Vice President and Sr. Advisor to the President.

Barrett spent 30 years in the apparel manufacturing industry. He established J Barrett Apparel in 2006 and is currently the President Jean Barrett-1of the T-shirt manufacturing company. He has years of experience in Business Development, including Small Business Administration (SBA). Through the years he has developed skills in risk management and commercial banking. Barrett is a former American football offensive lineman and played in the National Football League for the San Francisco 49ers for nine years from 1973 to 1980.

Barrett brings to First Oklahoma his extensive knowledge and personal experience as a small businessman and entrepreneur. Customers don’t need to find another bank, with Barrett joining First Oklahoma, expect to have better banking services.

About First Oklahoma Bank

First Oklahoma Bank is a community bank serving customers in Oklahoma and surrounding states. It was built by the people of Oklahoma, and it aims to improve the financial wellbeing and quality of life of everyone associated with the Bank, may it be customers or employees. The Bank was established in 2009 and currently operates three branch locations: one in Glencoe and two in Tulsa. First Oklahoma is considered as one of the state’s fastest-growing banks. In four years, assets increased from less than $10 million to $262 million and loans spiked from $4 million to $214.7 million. In December 2012, a groundbreaking was held in Jenks for the future headquarters of First Oklahoma Bank.

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Oak Valley Community Bank Hires Mike Garcia as Loan Officer

by Marie Browning

Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp, announced that Mike R. Garcia has been appointed as the Bank’s new Vice President, Commercial Loan Officer. Garcia will be based in the  Modesto -12th  & I branch location.

Garcia is experienced in serving the banking needs of the local community. He has ten years of experience in the commercial Mike_Garciabanking industry in the Central Valley, and aside from providing his financial expertise, he’s served as the President of Ripon Rotary and is a current member of Downtown Modesto Rotary. The new VP is one of the founders of the Boys & Girls Club of Stanislaus County where he is presently the Executive Board member and Secretary. Recently, Garcia was awarded Graduate of the Year for Leadership Modesto at the 2014 Modesto Chamber of Commerce Gala.

Dave Harvey, EVP and Commercial Banking Group Manager of the bank, is excited to have Garcia on board. He said, “Garcia’s extensive background in business and community banking coincides with the Bank’s commitment to recruiting professionals who are also active in the community.”

Garcia earned a Bachelor of Science degree from University of Phoenix in Business Administration with a concentration in Finance. He is a native of Modesto and currently resides in Ripon with his wife, Pam.

About Oak Valley Community Bank

Oak Valley Bancorp operates Oak Valley Community Bank & Eastern Sierra Community Bank, through which it offers a variety of loan and deposit products to consumers and small businesses. They currently operate 14 branch locations including in Oakdale, Sonora, Modesto and their Eastern Sierra Division.


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First National Promotes Josh Howell to Senior Vice President

By Marie Browning

First National Bank announced the promotion of Josh Howell to senior vice president and senior lending officer. Howell will handle some client accounts and manage the bank’s commercial loan portfolio.

The new senior lending officer previously served First National Bank as vice president for commercial lending. He received a Bachelor of Science/Bachelor of Arts in Business Administration, Josh_Howell - jpegwith a concentration in personal finance, from Western Carolina University. Howell is a Certified Financial Planner and had years of experience in wealth management and commercial lending before entering the banking industry in 1997.

Prior to joining First National Bank, Howell was vice president for Capitol Bank where he worked as East Tennessee Regional Real Estate Manager. He was responsible for originating new loans and  managing the bank’s real estate lending from Bristol, Virginia to Chattanooga, Tennessee.

About First National Bank

First National Bank of Lenoir City is an East Tennessee-based community bank. The bank received its national bank charter  in 1907. Currently, it provides services through nine branch locations including Loudon, Maryville, Knoxville, and Cleveland. Its total assets are valued at more than $400 million, with asset concentration in commercial lending products. The First National Bank of Lenoir City is headquartered in Lenoir City, Tennessee.

The bank’s  commitment to integrity is uncompromised. Their goal is to cultivate trust and are consistent, always taking responsibility for their actions. Through the performance of their work they seek to create individual and institutional integrity.

More information about the bank can be found at

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TD Bank Promotes Craig Ratigan as Business Lender

by Marie Browning

TD Bank, America’s Most Convenient Bank®, announced the promotion of Craig Ratigan to Loan Officer in Commercial Lending in Forest Hills, New York. A Vice President, he is responsible for managing existing relationships and growing an $80 million loan portfolio serving clients in Queens and the rest of New York City.

Ratigan has been in the banking industry for eight years giving him Craig Ratigana strong background in commercial lending, portfolio management, mortgage lending, and wealth management. He joined TD bank in 2005 and first served as a Credit Analyst. Since then, he has worked as a Commercial Portfolio Officer before landing his most current position as Account Manager in Commercial Lending.

Ratigan is a resident and native of Whitestone, N.Y. and currently serves on the Board of The HeartShare School, a special learning environment serving the educational needs of children aged 5-21 with autism and other developmental disabilities. He’s also a Board Member of the Child Center of New York that provides different programs to create a supportive, caring place for children and families at risk.

Ratigan received a B.S in Finance from St. John’s University, and expects to finish his Masters of Business Administration (MBA) from the same university in 2015.

About TD Bank

TD Bank, America’s Most Convenient Bank®, is one of the 10 largest banks in the U.S., providing more than 8 million customers with a full range of retail, small business and commercial banking products and services at approximately 1,300 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit

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