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NORTH BAY – According to data from both the Federal Reserve and the Small Business Administration, the slowdown in commercial lending is beginning to reverse itself.

The Fed shows an increase of 7.6 percent in commercial and industrial lending in the last month throughout the United States — that is the first increase in two years.

SBA loans doubled nationwide in the first fiscal quarter of 2011, said Mark Quinn, district director of the SBA covering the greater Bay Area.

In the North Bay, the numbers were even higher.

In the first quarter of 2011, $37.1 million in SBA loans were made in the North Bay. That is more than three times the $12.2 million made in the same quarter of last year.

“The big increase that happened of course with the first quarter of 2010 and 2011 was the Recovery Act and the Jobs Act,” Mr. Quinn said. “The difference with the jobs act is that while it had the same features and incentives as the recovery act, people thought it would expire and pushed deals through.”

He said because of that, lending volume likely will go down immediately.

“But at the same time, when lending goes up three times in the same quarter you have to look at this as a positive direction,” he said.

Following are many of the leading professionals in commercial lending across the North Bay.

(Listed alphabetically by institution name. Click here for photo gallery.)

Larry Tidwell

AltaPacific Bank, 3725 Westwind Blvd., #100, Santa Rosa 95403, apbconnect.com, 707-543-2704

Larry Tidwell is the executive vice president in the real estate industries group at AltaPacific Bank in Santa Rosa and is in charge of all construction lending. He has been in that position since April of 2009.

Previously he was at Temecula Valley Bank, also as the executive vice president in the real estate industries group in charge of all construction lending.

Born in Roswell, N.M., 65-year-old Mr. Tidwell moved to the North Bay in 1982 and has lived in Novato since 1995. He likes to spend time with his wife and two daughters when not in the office.

“My biggest accomplishment has been my ability to increase and retain my customers over the last 15 years,” he said. He hopes to continue helping customers achieve their goals for the next 15 as well.

AltaPacific Bank was founded in 2006. The 16-employee bank has assets totaling $79 million and is looking for growth opportunity through an acquisition.

Bill Rodda

American AgCredit, PO Box 1120, Santa Rosa 95402 , agloan.com, 707-545-1200

Bill Rodda started his 25-year Farm Credit career in 1981 with Farm Credit at the Sacramento Bank for Cooperatives. He joined North Coast PCA in 1984 as an AVP in the St. Helena branch.

After a five-year stint as a branch manager for a commercial bank, he rejoined American AgCredit in 1993. After 17 years as a vice president in the Vineyard & Winery Finance Group in Santa Rosa and Capital Markets, Mr. Rodda was promoted this year to vice president and branch manager of the Santa Rosa branch and VP Portfolio Manager for the Capital Markets Group.

Mr. Rodda graduated with a bachelor’s of science and a Master of Business Administration from CSU, Sacramento. He has been involved in many North Bay business financing projects. His most notable is the financing of the Beringer Wine Estates purchase from Nestle, a deal he participated with multiple lenders for more than $500 million.

Mr. Rodda is active in the community, spent many years as a member of the local Kiwanis Club, and is currently on the board of the Santa Rosa Junior College Shone Farm. He is also an avid sports fan and “a rabid San Francisco Giants fan.”

He lives in Santa Rosa with his wife Melissa, a first-grade teacher, and two sons, Kurt and Clint, both of whom are studying at Santa Rosa Junior College.

David Meddaugh

Bank of America, 10 Santa Rosa Ave., #210, Santa Rosa 95404, bankofamerica.com, 707-525-2393

David Meddaugh is the senior vice president and market manager of the North Coast commercial banking office of Bank of America. The 52-year-old has been with Bank of America for 30 years. In his current capacity, he manages the unit’s largest client relationships.

He also is the bank’s liaison with the wine industry in California. He has presented at the Wine Industry Financial Symposium, the Unified Wine and Grape Symposium, the Leadership Forum and the Moss Adams Wine Industry Roundtable.

Mr. Meddaugh studied at CSU Chico, where he earned bachelor’s degrees in both economics and finance. He holds an MBA in corporate finance from the Pacific Coast Banking School.

Mr. Meddaugh was raised in Santa Rosa and lives there with his wife and two children.

Dave Brown

Bank of Marin, 504 Redwood Blvd., #100, Novato 94947, bankofmarin.com, 415-763-4520

Dave Brown is the senior vice president and manager of Bank of Marin’s Santa Rosa Commercial Banking Office.

A native of Redwood City, he moved to Santa Rosa at a very young age, and has spent most of his life in the Sonoma County banking industry. He started his career with Bank of America in Sacramento.

Prior to joining Bank of Marin, Mr. Brown was the regional president of North Valley Bank. Before that he was senior vice president in charge of the construction and mortgage lending operation at Exchange Bank for 18 years. He was also the initial executive vice president and chief credit officer at First Community Bank.

In the years ahead he said he would like to continue being a part of the Bank of Marin.

After that, “I’d like to spend the rest of my life in Hawaiian shirts and shorts, and enjoying retirement on a sunny beach somewhere.”

He graduated with an honors degree in finance and insurance from CSU, Sacramento, went to graduate school at Santa Clara University, and graduated with honors from the Pacific Coast Banking School at the University of Washington.

In his current position, he is responsible for heading up a team of banking professionals as the bank expands its footprint north of its three current locations in Petaluma.

His biggest accomplishment is being father to his three sons, Matthew, Thomas and Patrick, all in their 20s. “Outside of work, I am an avid golfer, and enjoy spending time with family, including my two young grandchildren, George and Makenzie,” he said.

He is a past Chairman of the Sonoma County Loan Consortium, as well as a past board member at Burbank Housing Development Corporation. “I am currently on the board of directors at Kid Street Learning Center, a small charter school in the Railroad Square area catering to disadvantaged local youth.”

Bank of Marin, founded in 1990, has 215 employees, 16 offices plus the Santa Rosa loan production office, and nearly $1.2 billion in assets.

Larry Fletcher

Bank of Napa, 2007 Redwood Rd., #101, Napa 94558, thebankofnapa.com, 707-257-7777

Born in Southern California, Larry Fletcher, has made his home in Northern California since 1980.

He graduated from Long Beach State University in 1974 with a degree in business administration, and graduated from the Pacific Coast Banking School in Seattle, Wash., in 1988 with honors. “After graduating from college I accepted a job with a major bank in their credit training program and have been in banking ever since,” he said. He has been in various lending positions for the last 36 years and has been the chief credit officer for Bank of Napa since 2007.

Previously, he was the manager of the commercial lending hub for Vintage Bank, and before that the chief credit officer for Solano Bank, a subsidiary bank of the Vintage Bank located in Vacaville. His first position in banking was as a consumer loan officer for United California Bank in Los Angeles.

“As the chief credit officer for Bank of Napa, I am responsible for all aspects of the loan portfolio. This includes implementation of policies, procedures, underwriting and approval of loan requests, as well as administration and servicing of the portfolio.”

His biggest accomplishment has been his work at Bank of Napa. “The bank struggled in its’ first year of operation, and even in the most challenging economic recession of the last 70 years, collectively the management and employees of the bank have been able to grow Bank of Napa into a safe, sound and profitable financial institution,” he said.

In his spare time he enjoys hiking and spending time with his family at their Lake Tahoe cabin. “In addition,” he said, “I have recently dusted off my surfboard, and after many years, has started surfing again, primarily in Southern California,” he said.

The bank has more than $100 million in assets, with a loan portfolio of $76 million and deposits of $90 million. There are 19 employees. Bank of Napa was opened in August 2006, and generated its first year of profitability in 2010.

He said he hopes to be semi-retired within the next five years and “still be involved with the Bank of Napa in some capacity.” Currently he resides with his wife in Vacaville.

Don Mercer

Bank of the West, 20 S. Petaluma Blvd., Petaluma 94952, bankofthewest.com, 707-778-3307

Don Mercer is senior vice president and SBA national sales manager for Bank of the West.

Mr. Mercer started in banking as a teller when a family friend told him it was a great job to have while attending college.  He has been with Bank of the West for 11 years as a branch manager, regional business development officer, and regional manager, advancing to his current position managing national sales of Small Business Administration-sponsored lending products in 2007.

He said his biggest accomplishment is having helped the bank grow its SBA Direct business to over $200 million in assets. He is excited about the “dynamic growth of our business and the positive impact we have had on communities through the small business lending programs.” Bank of the West makes government-guaranteed SBA loans to small business owners through its branches and regional commercial banking offices.

Mr. Mercer earned a bachelor’s degree from UCLA and furthered his educational growth as a graduate from Pacific Coast Banking School. He is a native Californian, born in Anaheim and raised in Fullerton. He moved to the North Bay in 1999 and lives in Novato with his wife and two children. He loves to spend time hiking and camping with his family, enjoys cooking and is an avid reader.

Bank of the West has a retail presence throughout the North Bay with 15 branches, a commercial lending office in Petaluma and a wine-focused agricultural lending office in Napa. Founded in 1874, Bank of the West has $58 billion in assets, 9,000 employees and 700 branches and commercial offices in 19 states.

Anna Bagdasarian

California Bank & Trust, 1016 Irwin St., San Rafael, 94901, calbanktrust.com, 415-524-1212

Anna Bagdasarian is a commercial banking team leader focusing on middle market companies with diverse industry niches.

She has over 25 years experience in the banking industry including working capital lines of credit, asset based lending, acquisition financing, term loans, bond financing, and international trade finance.  She also specializes in providing financing to companies that are involved in all aspects for the creation of filmed and digital entertainment and media companies.

She started her banking career as a corporate banking analyst with JPMorgan in New York and transitioned to California working with Union Bank’s International and Communication/Media divisions.  She joined California Bank & Trust’s Commercial Banking Division three and a half years ago to pursue commercial banking and diverse specialty niches.

Ms. Bagdasarian has a bachelor’s degree from UC, Berkeley and an MBA from UCLA. Her ability to build teams/departments globally, across various banking disciplines, is what she calls her most important accomplishment.

Ms. Bagdasarian and her husband are residents of San Rafael for more than 15 years.  She loves gourmet cooking and wine pairing.

California Bank & Trust is a subsidiary of Zions Bancorporation headquartered in California with over $10 billion in assets and more than 100 branches statewide.

Pat McCarty

Circle Bank, 1400A Grant Ave., Novato 94945, circlebank.com, 415-898-5400

Patrick McCarty is the senior vice president and chief lending officer at Circle Bank. He has served as chief lending officer of the bank since 2003. He manages all aspects of the bank’s credit functions including loan servicing, underwriting, policies and personnel.

Mr. McCarty has 35 years of bank experience managing loans in both up and down credit cycles, at five different financial institutions ranging from multi-bank holding companies to small community banks. He was appointed to the board of the Affordable Housing Consortium of Sonoma County in 2005.

He is a graduate of Texas A&M University with a bachelor’s degree in finance.

Mr. McCarty is part of a team of lenders including Alan Gaul, Aaron Greenhalgh, Erick Kostuchek, Eileen Graham, Chris Lee and Michael Moulton.

Circle Bank recently announced the anticipated offering price of shares to be $10.50 and that between 3.05 million and 4.01 million shares would be available. The company also said it would use the symbol CIRB when it began trading on the Nasdaq.  No date for the offering has been set, but the expectation is early 2011.   A filing with the U.S. Securities and Exchange Commission said a 500-share minimum purchase would be required in the IPO.

Steve Herron

Exchange Bank, 545 Fourth St., Dept. 410, Santa Rosa 95401, exchangebank.com, 707-524-3102

Even back in his teen years, Steve Herron was always interested in finance and accounting, and eventually he found his way into commercial lending.

Born in Clovis, Calif. in 1961, he grew up in Fresno until graduating from college. He left the Central Valley for work in Los Angeles in 1985, and moved to the North Bay in January 1987.

Since 2000 he has held the position of a manager for Commercial Lending at Exchange Bank. Previously he served for seven years as a business development officer for the same bank and focused on lending to businesses.

His first position in a bank was in Los Angeles in 1985 with Union Bank in a commercial lending training program. It involved a one-year assignment in Sacramento, and then he was transferred as a commercial lender to their small banking office in Santa Rosa in January 1987. He earned a bachelor’s of science from CSU, Fresno and is a graduate of Pacific Coast Banking School.

He counts helping Exchange Bank grow over the last 17 years and managing its commercial loan portfolio his biggest accomplishment.

In his spare time he loves to listen to music, read business periodicals, follow the stock markets and collect fine wine.

Mr. Herron served on local boards including the Economic Development Board run by Ben Stone, the Workforce Investment Board and he co-chaired the Economic Vitality Project along with Rod Dole back in the mid-1990s.

Exchange Bank was founded in 1890 and has about 413 employees. Asset size is roughly $1.5 billion. “I am proud to work for an organization like Exchange Bank which demonstrates its long-standing commitment to the success of this county and its residents,” he said.

Janet Connors

First Community Bank, 438 First St., Santa Rosa 95401, fcbconnect.com, 707-636-9010

Janet Connors is First Community Bank’s senior vice president, commercial real estate lending officer. She has been with First Community since its inception in late 2004. In the banking industry since 1985, Ms. Connors brings her experience and a unique flair to community banking. A former home builder, she specializes in commercial and new construction lending.

Ms. Connor serves on the finance committee for The United Way of the Wine Country and the advisory committee for the Energy Upgrade California-Sonoma County.

“I love working for a community bank and First Community Bank was the perfect fit for me professionally and personally. I am now able to volunteer and it is a great feeling to give back to the community.”

She especially loves working with seniors and children.

Lynne Carpenter

Luther Burbank Savings, 804 Fourth St., Santa Rosa 95404, lutherburbanksavings.com, 707-523-9898

Lynne Carpenter, the chief income property loan officer at Luther Burbank Savings since January of 2008, has lived in the North Bay since 2007.

The California native worked as a teller in high school and liked the customer service and interaction enough to take a job at a savings and loan in Newport Beach after graduating from Western Illinois University in Macomb, Ill. “I worked in a number of areas until I found my niche in the income property lending division. I learned that I thrive on putting all the pieces of a deal together, making it work and getting it closed. I have worked in income property lending for over 20 years.”

She said helping Luther Burbank Savings achieve record profitability in one of the most difficult real estate markets is one of her biggest accomplishments. “In the past two years we have been able to achieve our volume goals. We have sharpened our focus by originating loans in our core market areas.”

When Ms. Carpenter is not at work, she loves to travel, her favorite destination being Italy.

Founded in 1983, the 132-employee bank has assets totaling $3.5 billion. Ms. Carpenter said that in 10 years she would like to be right where she is today, “living in Santa Rosa and working at Luther Burbank Savings.”

Scott McAdams

Mechanics Bank, 433 Soscol Ave., #B-161, Napa 94559, mechbank.com, 707-256-4343

Scott McAdams, regional manager at Mechanics Bank for the Napa Valley, has been with the bank for 30 years.

“I started rolling coins there in high school,” said the 46-year-old. After high school, he studied business management at CSU, Sacramento. He worked as a teller while he was in school, and when he finished his degree he went through the management training program with the bank. He managed several retail branches and after 15 years

transferred to corporate banking. The bank helped him get an MBA at CSU, Hayward.

He said he prides himself on being able to balance work and life. “I stay active with my kids, I golf and water ski,” he said. He has three children, all girls, the oldest and youngest of which he is active in coaching softball.

Mechanics Bank was founded in 1905. Of the 680 employees, about 20 live in the Napa Valley.

Gustavo Zijlstra

North Coast Bank, 90 South E St., #11, Santa Rosa 95404, northcoastbank.com,  707-528-6300

Gustavo Zijlstra is the vice president and relationship manager at North Coast Bank.

He was born in Buenos Aires, Argentina and moved to Santa Rosa in 1985.

His first position in the banking sector was as an accountant and then a commercial real estate loan officer. “It was very exciting to see how the loan process worked and later I filled an opening as a loan officer,” he said. “I’ve been a commercial lender for 15 years.”

He has a management/accounting degree from Sonoma State University and a master’s degree from University of San Francisco.

He mainly focuses his work on the commercial real estate side but he also does C&I lending. “My biggest accomplishment was to become a U.S. citizen, this wonderful country has given my family and me the opportunity to be successful,” he said.

In his spare time he enjoys socializing with friends helping his sons to become better basketball players.

North Coast Bank is a division of American River Bank, which was founded in 1983 and has assets of $594 million and 120 employees.

Todd Allen

Presidio Bank, 999 Fifth Ave., San Rafael 94901, presidiobank.com, 415-456-6000

Todd Allen is the North Bay market president of Presidio Bank. Born in Poplar Bluff, Mo., he currently lives in Novato. He earned a bachelor of science from the University of Nevada, Las Vegas, and his first position was as a relationship manager with a national finance company.

He considers his biggest professional accomplishment to be assisting his team in the establishment of a successful and growing regional banking office in the North Bay. The $244 million bank was founded in 2005.

Outside of work he enjoys hiking, jogging and traveling with his family. “My vision of the future includes continuing to work with local business owners and individuals to assist them in meeting their financial objectives.”

Douglas Haigh

Rabobank, 700 Trancas St., Napa 94558, rabobankamerica.com, 707-227-9300

Douglas Haigh is the SVP/commercial regional manager at Rabobank since its merger with Napa Community Bank in April of last year. He had been the chief credit officer at Napa Community since July of 2006. Previously he was the CCO at Summit State Bank.

Born in Lansing, Mich., his family relocated to the San Mateo area when he was a teenager. Mr. Haigh studied political science at Alma College in Michigan where he earned a bachelor’s. He went through Pacific Coast Banking School and earned a law doctorate at Empire College School of Law.

His first position was as a loan officer with Bank of America. His first loan officer assignment was in Petaluma in 1978. Bank of America promoted him to several offices in the North Bay before assigning him to Napa in 1985 and he bought a home in Yountville.

His focus at Rabobank is on community banking including commercial, construction and agricultural lending, credit management, collections and law. “I am very proud of ‘keeping the wheels on’ our bank during this severe recession,” he said.

Outside of the office, he said he is proud of being able to balance work and family while completing law school and passing the State Bar Exam.

Mr. Haigh was a founding shareholder of Napa Community Bank.

Michael Downey

Redwood Credit Union, 3033 Cleveland Ave., Santa Rosa 95403, redwoodcu.org, 877-545-4100

Michael Downey is the vice president of business services at Redwood Credit Union. He was born in San Francisco and moved to the North Bay as a child.

He owned a small business for a number of years, and when he realized the unique financial needs of businesses such as his, he wanted to help them grow and thrive by providing customized financial solutions. efore working at the credit union, he was vice president of business development at Summit State Bank.

Mr. Downey studied business administration at CSU, Chico. He considers his biggest professional accomplishment to be growing the business lending at RCU to help local businesses grow and thrive.

He served on the City of Santa Rosa’s public utilities board for 20 years and was recognized for his service there as well as from the Volunteer Center of Sonoma County.

“As our communities emerge from recent economic challenges, I hope to continue to expand and enhance services to help our local small businesses.”

Rob McMillan

Silicon Valley Bank, 899 Adams St., #G2, St. Helena 94574, svb.com/svbank/wine, 707-967-1367

Rob McMillan is the founder of Silicon Valley Bank’s Wine Division based in Saint Helena. In 1992, he developed the division from the idea and start-up phase to the point where it’s now regarded by many as the leading provider of financial services to the fine wine business on the West Coast.

Mr. McMillan’s banking career has spanned nearly 30 years, the past 20 with Silicon Valley Bank. In that time, he has moved though roles of increasing responsibility including a term on Silicon Valley Bank’s Managing Committee.

Today Mr. McMillan strives to foster growth and success in the wine business by managing a portfolio of client relationships and assisting the rest of the division’s clients and bankers. He frequently shares his views on the macro factors impacting the fine wine business, offering customized management presentations for clients, writing and speaking.

He has published reports of varied and emerging trends to the wine industry over the past decade and is author of the bank’s Annual State of the Wine Industry Report. His perspectives regarding the direction, opportunities and threats in the fine wine business continue to be cited in regional, national and the wine trade press.

Mr. McMillan received a bachelor’s degree in finance/economics from Sacramento State University and an MBA from Santa Clara University’s Leavey School of Business. He is affiliated with, and supports numerous charities and industry associations both in and outside of the wine industry. He has served on varied planning and steering committees for symposia in the wine industry, and in board capacities for a vintners association, business-to-business Internet company, a fine wine distributor, and a logistics and transportation firm.

Mr. McMillan is the father of two, enjoys the outdoors, travel, and takes any opportunity to play percussion and drums in live settings.

Jamie Williams

Sonoma Bank, 801 Fourth St., Santa Rosa 95404, snbank.com, 707-579-2265

Jamie Williams, commercial banking regional director of Sonoma Bank, was born in Marin County and has made his home in Novato for more than 20 years.

He got into banking because it is a people business. “I enjoy providing financial solutions to business people,” he said. “No two deals are alike.”

He has been in the banking industry for 28 years, always on the commercial and corporate side. Prior to joining Sonoma Bank, he was the regional vice president for Westamerica.

He also was with Greater Bay Bank and Tamalpais Bank in Marin County. His first position was in 1978 as a management trainee from Wells Fargo after graduating from Santa Clara University with a degree in economics.

Guy Dana

Summit State Bank, 500 Bicentennial Way, Santa Rosa 95403, summitstatebank.com, 707-568-6000

Guy Dana is the chief credit officer at Summit State Bank. He has been in that position for two years. Previously he was the vice president of commercial banking at Bank of Petaluma/Greater Bay Bank.

He began his career to get a well-rounded look at many different kinds of businesses, to see what made some businesses good and others not. “The intent was to choose a career. I like to tell people I still haven’t made up my mind,” he said.

Mr. Dana went to the University of Utah and to the Pacific Coast Bankers School at the University of Washington in Seattle.

He focuses on all areas of the bank’s lending programs and portfolio, for safety, soundness and profitability.

“I provide financing products and services in the best possible manner to the individuals, businesses and community service organizations we are fortunate enough to serve,” he said.

In his spare time Mr. Dana enjoys working with his local church and being with his wife and family.

“I like to hike, play golf and enjoy just about anything outdoors. I am an amateur astronomer and enjoy astrophotography. My eldest son, Phillip, just returned from his second tour of duty in Afghanistan, where he was awarded the Bronze Star, and he is planning to be married this October.”

Mr. Dana said his “spare” time will be devoted to his son and his fiancee, Julie Elkins, “to ensure a wonderful start to their life together.”

Summit State Bank has roughly $350 million in assets, 60 employees and five offices. The bank was founded in 1984.

“I enjoy what I do very much and hope to continue doing it,” he said.

Mark Brody

Umpqua Bank, 1500 Soscol Ave., Napa 94559, umpquabank.com, 707-252-5020

Mark Brody is the senior vice president and manager for Bay Area commercial banking at Umpqua Bank.

He went to Pitzer College for his undergrad then went to the University of Wisconsin for an MBA in finance. “It was a vibrant place with a great cross section of people,” he said.

He worked in the banking industry beginning at Bank of America, then left for a while to work in the wine industry. He said he really liked the industry, but it is the people in wine that fascinated him. Wine “is the stuff of dreams on the one hand, and it is totally irrational on the other,” he said.

Umpqua had purchased Vineyard Bank, and he was brought in to essentially take care of that part of the business. Umpqua has more than $9.4 billion in assets.

In the coming years he wants to continue to do what he has been doing. “I really enjoy the role that we play as bankers in the lives of our clients,” he said.

James Barrett

Union Bank, 830 College Ave., Kentfield 94904, uboc.com, 415-451-1679

James Barrett is the vice president and senior relationship manager with the Wine Industry Services group at Union Bank.

He was born in Oklahoma and grew up in the D.C. suburbs. He moved to Napa in 1995 and has been there ever since. His mother was in banking and he liked finance, so after chatting about the business with her and her colleagues, he decided it would be a good fit.

The 39-year-old studied his undergrad at Auburn University and earned an MBA from Georgia State University.

He focuses on the wine industry, though he said, “I have had clients in retail, food and beverage, hospitality, real estate and other industries.” He said his biggest accomplishment has been to successfully balance a rewarding career with a very active and happy family life – he has five children.

He likes to spend time with family and friends as well as snowboard, read and cook. He won the appetizer contest in the Valley Men Who Cook event several years ago and is almost as proud of himself for that as he is for completing the Napa Valley Marathon in 2009.

Union Bank has assets of $86 billion and roughly 10,000 employees.

He hopes that the future holds more traveling, and he wants to stay in the Napa area.

James Kimball

Wells Fargo, 200 B St. #300, Santa Rosa 95401, wellsfargo.com, 707-584-3147

James Kimball has been the senior vice president regional manager for the North Coast region in commercial banking since December of 2009.

Previously, Mr. Kimball was the regional sales manager, overseeing business development activities in the Pacific Northwest, Northern California and part of Central California. At the time of the Wachovia merger, he was the regional president for wholesale banking in Wachovia’s expansion markets of Northern California and Nevada.

Previously, he had a 24year career at Bank of America, where he held leadership positions in commercial banking and business development. Mr. Kimball is a lifetime resident of Sonoma County and spent most of his career focused on the Northern California and Western U.S. markets.

Vicky Tappero

Westamerica Bank, 1108 Fifth Ave., San Rafael 94901, westamerica.com, 800-848-1088

Vicky Tappero was was chosen to work at Westamerica Bank through the OutsideWork Experience Program when she was a senior at Terra Linda High School, due to her typing and shorthand skills.

“I thought it would be a good temporary job,” she said. “However, it has now turned into a 40-year employment.”

She was born in San Francisco and moved to Marin in 1959.

“Initially I was the assistant to the secretary of new accounts and typed and took shorthand from the manager,” she said. “I was promoted along very quickly through all aspects of branch banking. I started in lending in 1978.”

Over the course of her career, she has taken advantage of all of the banking courses available through various sources including the American Institute of Banking, the Risk Management Association as well as College of Marin.

She focuses on business development and relationship management.

She is proud to have been able to mentor so many successful professionals throughout so many years, as well as managing to assist in raising four children who are now contributing successful adults.

She has been married for more than 32 years. “We love to travel and enjoy gardening and time with our family,” she said.

Westamerica has $4.9 billion in assets, over 1,000 employees, over 90 branches in 21 Northern and Central California counties. It was founded in 1884 in Cloverdale.

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