Andy is an SRA Director with over 30 years of banking experience in Commercial Credit & Lending, Risk Management, Policy Development, Special Assets, Loan Review, and liaisons with Bank Examiners and Auditors.
Andy began his banking career with Meridian Bank ($6 billion) in its Commercial Credit and Special Assets departments, then moved to Crestar Bank (later SunTrust) working in commercial lending and loan review. He later became the Chief Credit Officer and head of Loan Administration at First Market Bank (now Union Bank) before moving to First Capital Bank as Chief Credit Officer/EVP. At First Capital, he led efforts to clean up a troubled commercial loan portfolio and reengineer the credit process. After helping raise $18 million in capital, he provided the credit leadership in support of strategic asset growth initiatives which enabled the portfolio to grow nearly 40% over the next 3+ years. This role included talent identification and development, Capital Planning, and enhanced internal reporting. Andy has led numerous due diligence efforts at both First Market and First Capital as well as assumed a leadership role in working with Federal Bank Examination teams.
Andy earned a Bachelor of Arts in Economics from the University of Virginia, and an MBA from the University of Richmond.