Credit Risk Committee

Cynthia Balser
Senior Vice President, Director, Consumer Credit Risk
KeyBank

Charles Baxter
Group Credit Administrator
Arvest Bank

Matt Bazzano
Counsel
Wells Fargo

Ratinder Bedi
Chief Credit Officer
SoFi Bank

Irwin Berman
Chief Community & Retail Credit Officer
Pinnacle Financial Partners

Tom Bloetscher
EVP, Consumer Credit Executive
Regions Bank

Scott Campbell
Pinnacle Financial Partners

John Carter
Director of Community Banking
Bank OZK

Guy Churchill
Chief Credit Officer
Bank of Hawaii

Tallie Colvin
Senior Vice President, Senior Consumer & Business Banking Credit Officer
First Interstate Bank

Gilbert Cruz
International Bank of Commerce

Andrew De Angelo
VP, Regulatory Risk and Fair & Responsible Banking Officer
Sallie Mae

Leslie Deich
Chief Credit Risk Officer, Consumer
M&T Bank

Travis Deters
Head of Financial & Quantitative Risk Management
Jenius Bank

Lulu Dunklin
Broadway Bank

Dan Flynn
EVP, Chief Credit Risk Officer
Liberty Bank

Bob Friend
Chief Credit Officer
WesBanco

Matt Glanden
SVP, Director of Credit Risk Management
WSFS Bank

Scott Heinrich
VP Consumer Lending Underwriting and Compliance
RBFCU

Rebecka Holt
Executive Vice President, Director Central Credit & Business Banking
Frost Bank

Scott Howard
USAA Federal Savings Bank

Tom Hung
Chief Credit Officer
First Horizon

Andy Jones
Chief Credit Officer, Community Bank
Bread Financial

Gail Kilmer
Managing Director, Consumer and Community Banking
JPMorgan Chase

Sharad Kumar
Head of Risk - Credit Card, Unsecured Lending & Re
TD Bank

Richard Landau
SVP & Consumer Finance Senior Credit Executive
Webster Bank, N.A.

Chad Lloyd
Senior Vice President, Consumer Lending

Denis McLaughlin
EVP,Chief Credit Officer,Retail, Sm Bus, Priv Bank
PNC Bank

Chad Mildren
Chief Consumer Banking Officer
United Bank

Tony Nobili
Consumer & Small Business Credit Strategies and Portfolio Management, Enterprise Credit
Bank of America

Nicole Olaya
First Senior Vice President, Chief Credit Officer
Columbia Bank

Micheline Peters
Head of Consumer Credit
Wells Fargo

Hassan Pirnia
Chief Risk Officer, Retail
BMO

John Potter
SVP, Credit
Zions Bancorp

Marguerite Robinson
EVP, Business Unit Chief Risk Officer - Consumer & Small Business Banking
Truist

Matthew Rusincovitch
SVP, Consumer Credit Risk
Fifth Third Bank

Jose Salinas
International Bank of Commerce

Steve Schneider
SVP Credit Risk Management
U.S. Bank

Julia Shen
Synchrony

Craig Sievertsen
Senior Vice President, Business Banking & Consumer Lending
Banner Bank

Nicole Sinacola
Credit Officer
Flagstar Bank

Matt Snyder
Bank OZK

Scott Stiverson
SVP, Director of Credit Risk
Associated Bank

Lachelle Thigpen
EVP C&B Banking Segment Risk Officer Sr.
Huntington Bank

Cesar Valdez
Credit Manager, Senior Vice President
International Bank of Commerce

Matt Wiley
Chief Credit Officer, Community Bank
Old National Bank

Paul Willson
Credit Executive
First Horizon

Mike Zambetti
Chief Credit Officer
EverBank