Assistant Vice President; Commercial Relationship Manager
Why F&M Bank?
Question: What do you enjoy most about being a lender for F&M?
I love being part of one of the last local banks in the area. This gives me the ability to do what the big banks do but also have the hometown touch.
Question: Why should a local business choose F&M’s commercial lending services over a larger national bank?
F&M has most of the same services that the big banks offer, but we still have that personal touch that everyone wants. We are not fee orientated and want to build a relationship with our customers.
Let’s Get to Know You:
Question: Where are you from, and what’s brought you to where you live/work now?
I was born and raised in Staunton, VA, and I continue to live in the area.
Question: What do you like best about the local community you serve?
I like being able to help friends and family with their personal and business needs.
Question: What are your hobbies?
My hobbies currently are working out and supporting my 28 grandchildren with their school and sporting events.
Question: How long have you been working in the commercial real estate and lending industry?
I have worked in this field since 1996.
Question: How has commercial real estate changed over that time?
When I first started working with businesses, I found that a lot of the real estate was family owned and had been passed down from generation to generation. Now, the family businesses are being sold along with the real estate involved with that business.
Question: What impact do you hope to make on the local community?
I would like to be able to help the community continue to grow and prosper by helping business owners stay successful.
Share Your Expertise:
Question: On a local level, what should business owners and entrepreneurs know about your market?
Augusta County is a unique. It is not a fast-paced area. The county takes time to explore what is best for the area. A lot of businesses in the area are still family owned and want to stay that way. Area residents like to shop at locally owned businesses and not big box stores.
Question: What economic trends are you watching or anticipating in the year ahead related to commercial lending?
In the area, there are more wineries and breweries opening. As in the past, these types of trends will go up but then fall off suddenly. Over the next year we will be dealing with the Presidential election, which always changes the economy depending on how voters perceive the outcome of the elections.
Question: What advice would you offer new business owners who are interested in obtaining or learning more about commercial lending?
I would advise every business owner to develop a relationship with their banker. Most bankers can help guide their customers in financial decisions and give them thoughts to consider when starting a business and moving ahead with growth and needs. Also, I would tell customers to build a relationship with other business owners and to read educational materials regarding their type of business. Knowledge is always a plus.
Question: Are there specific commercial lending services that F&M Bank offers that other local community banks do not?
Yes, I feel that we do offer services that others do not. Our biggest strength is customer service. We want to treat each customer with respect and build a relationship that will last. We also think out of the box when customers have unusual needs to help them accomplish their goal whenever possible.
Member FDIC | Equal Opportunity Lender