David C. Kowalek, Senior Consultant

David Kowalek is a senior consultant specializing in loan policy/procedure development and implementation, commercial credit administration, compliance and loan documentationDavid Kowalek is a senior banking consultant with nearly 40 years of banking experience, specializing in loan policy/procedure development and implementation, commercial credit administration, compliance and loan documentation.  

Prior to joining Ardmore Banking Advisors (ABA), Mr. Kowalek was a Business Banking Manager for Wells Fargo, N.A. Previously, he was the Chief Credit Officer for Fox Chase Bank and First Federal Bank, where he created the commercial loan policy manual, guided key personnel in compliance issues and reported asset quality concerns and other commercial credit functions to the Board of Directors and regulators, among other responsibilities. 

Mr. Kowalek graduated Magna Cum Laude with a Bachelor of Science degree from Wilkes University and received an MBA with an emphasis in Finance from Adelphi University.  

At ABA, Mr. Kowalek works with clients in the following areas:
  • Loan Review
  • Due Diligence
  • Credit Policy
  • Credit Training

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