Our Team

Sandy Spratt created Ardmore Banking Advisors to expand the services provided by Ardmore Capital Advisors, a firm he also founded in 1991. Sandy brings over 40 years of banking, investment banking, and consulting experience to Ardmore’s client base. 

Sandy was previously President, CEO, and Board Chairman of a community bank, Group Executive Vice President and Chief Credit Policy Officer of a multi-community bank holding company, and Head of Corporate Banking for a Regional Bank, where he directed eight diverse corporate, specialty, and investment banking divisions.

​At Ardmore Banking Advisors, Sandy applies a wide breadth of experience in the banking and financial services industries to solve client problems and meet objectives in the following areas of activity:

• Financial Advisory
• Strategic Planning 
• Productivity Enhancement
• Profitability Analysis
• Credit Policy 
• Mergers & Acquisitions
• Due Diligence 
• Board & “C”-Level Advisory
• Credit Risk Consulting

Thomas, who was Ardmore’s first office manager over 25 years ago, rejoined ABA as President in 2020. His immediate mission is to lead the company’s commitment and evolution in providing clients with credit risk management services with integrity, quality, and value that support their needs for safety and soundness.

Early in his career Thomas managed NBC’s business marketing website in Rockefeller Center, and was also a consultant and trainer for an IT consulting company in New York City. 
 
Returning to Philadelphia, he worked for a small NJ law firm while attending law school, and then was a corporate bankruptcy associate for two leading Philadelphia law firms.  Thomas was then recruited to go “in-house” with some major multi-national companies (including HP and Aramco) where he managed lawyers in multiple national and international locations, with a focus on technology. 
 
Thomas has continued to occasionally assist in projects for ABA at different times and has been a legal advisor to the Ardmore Board of Directors for over fifteen years.

Jim was an experienced senior executive with extensive regulatory experience. He worked directly with clients to counsel them on working with regulators, assisted with regulatory issues, and helped limit risk associated with state and federal banking regulations. Jim was with Ardmore since 1994.

​Before arriving at Ardmore Banking Advisors, Jim served as Executive Vice President, Chief Credit Officer, and Senior Lender for a major New Jersey bank. While there, he set and implemented credit policy, determined adequacy of loan loss reserve, and directed commercial lending, corporate loan problem resolution, credit administration, loan operations, and international activities.

Previously, Jim acquired more than 25 years of regulatory experience as National Bank Examiner for the Office of the Comptroller of the Currency (OCC), where he was Examiner-in-Charge of regional banks with assets of $1 billion to $10 billion. 

At Ardmore Banking Advisors, Jim assisted clients in the following areas:

• Risk Management
• Credit Policy
• Regulatory Compliance
• Loan Review
• Asset/Liability Management
• Expert Witness
• Bank Evaluation & Due Diligence

Lara S. Hartin is Executive Vice President of Standards and Quality Control at Ardmore, and a Board Member, with over 33 years of experience in the areas of risk management, commercial and real estate lending, audit, and credit review. Lara has been with Ardmore since 2002.

​Prior to joining Ardmore, Lara was a Vice President in the commercial real estate finance department of a large New Jersey bank, where she managed a portfolio of public and private companies involved in the development, construction, and management of retail, office, industrial, and residential real estate.

​Previously, Lara was a real estate lender and a senior auditor at two large Pennsylvania-based banks where she was responsible for analyzing and auditing middle market, asset-based, and real estate credits as well as training junior auditors and credit analysts.

​At ABA, Lara is the executive in charge of maintaining Ardmore’s standards and quality control for loan review and other credit risk management services. 

Peter is a partner and EVP of Credit Technology at Ardmore, focusing on credit data management and risk control. Peter has been with Ardmore since 2003. 

​Peter specializes in credit data management best practices, CECL/ALLL calculations, stress testing and concentration reporting solutions for community banks and smaller financial institutions.   

Peter is a nationally recognized thought leader in best practices for concentration management, stress testing and CECL’s impact on community financial institutions, and a business partner of Computer Services, Inc. (CSI) and Argus.

As part of Ardmore Banking Advisors, Peter brings a unique mix of banking and technological knowledge, along with extensive experience in credit/risk business process and data analysis solutions. His experience has been essential to working directly with clients to address challenges in the following areas: ​

• Stress Testing, ALLL/CECL & Analytics
• Vendor Selection & Management
• Banking Data Management Best Practices

Jorge Leon is a Corporate Executive who brings over 40 years of experience in the financial services industry to his role as Ardmore Banking Advisors Board Member. Jorge has been with Ardmore since 2021.

Currently serving as Corporate Executive of a major Japanese bank, Jorge previously served as Chief Strategic Planning Officer, and was responsible for the Crisis Management Division, which was critical in the wake of the 9.0 Magnitude Great East Japan Earthquake and subsequent Fukushima Daiichi radiation disaster.

Previously, Jorge has held nearly every C-level position, including Executive Vice President, Managing Executive Officer, Chief Operating Officer, Acting Chief Technology Officer, State Head of Portfolio Management, and Head of Risk Review at major multinational and community banks.

Jorge has also been a Chief Financial Officer and Chief Operating Officer for a publicly traded clinical research company.

Jim Hamlet is a partner at Isdaner and Company, LLC, who brings over 25 years of experience in the accounting industry to his role of Ardmore Banking Advisors Board Member. Jim has been with Ardmore since 2021.

Active in all aspects of client service, he offers business consulting to not-for-profits, manufacturers, real estate developers, and service organizations. 

A frequent lecturer, Jim has spoken about business topics to professional and community groups. He is a member of the legislative committee of the Pennsylvania Institute of Certified Public Accountants (PICPA), co-chairperson of the capital campaign for West Chester University Business and Public Affairs Center, and holds memberships in the American Institute of Certified Public Accountants and the PICPA.

Casey McKee is President & COO of an international technological company and partner in a hospitality management firm based in Manhattan, who brings over 30 years of professional experience to his role as Advisor to the Board of Ardmore Banking Advisors.

Beginning in 1994, Casey grew Asset Inventories, Inc. from a small business with 10 professionals to an international company with over 100 employees currently delivering IT services to clients across the world. He was named President in 2016.

As partner of 212 Hospitality Group, Mr. McKee also owns and operates three venues in Manhattan.

A graduate of Marist College in Poughkeepsie, Mr. McKee is a Past Board Member of Mercy Home of Brooklyn, providing essential services for children and adults with developmental disabilities.

As Senior Vice President & Senior Director of Finance at Ardmore, Eileen is responsible for a number of duties, including the onboarding of new Ardmore professionals, accounting, and administration. Eileen has been with Ardmore since 2001.

Prior to joining Ardmore Banking Advisors, Eileen worked in various accounting capacities in both the public and private sectors. Earlier in her career, Eileen worked for Touche Ross and Co. (currently Deloitte and Touche USA LLP) as an Audit Senior where she ran field audit engagements for public and privately held companies in the Philadelphia and New York markets. Eileen also worked as an internal auditor for a major nationwide department store.

At Ardmore Banking Advisors, Eileen works in the following areas:

• Human Resources
• Administration
• Payroll
• Employee Benefits
• Billing
• Report Delivery
• Financial Reporting
• Budgeting

Steven has over 30 years of experience in the financial services industry as a banker and a consultant. He currently serves as the Chief Operating Officer & Senior Director of Development at Ardmore Banking Advisors. Steven has been with Ardmore since 2021.

​Most recently, Steven has managed risk management consulting practices for prominent national firms that are focused on providing enterprise risk, regulatory compliance, loan review and internal audit services to financial institutions. His consulting experience includes working with community banks, credit unions and global banking institutions across a range of sizes and complexities. Steven’s focus in these roles has been to assist clients with achieving their risk management objectives. 

Early in his career, Steven served as a commercial lender for two large regional banks based in Philadelphia, PA and Miami, FL.

Todd Sardich is a seasoned banking executive with more than 25 years of experience across all facets of commercial banking. As the leader of the Credit Risk Management Consulting practice at Ardmore Banking Advisors, Inc., Todd brings deep expertise in credit underwriting, credit administration, lending, regulatory compliance, and loan review to financial institutions nationwide.

Throughout his career at Ardmore, Todd has played a key role in dozens of due diligence projects for bank mergers and acquisitions, partnering with clients to assess and establish accurate loan portfolio credit marks and identify potential risks and weaknesses. Todd is recognized for his strategic insight and ability to help banks strengthen their credit risk management framework while achieving regulatory and performance objectives.

With a proven track record of guiding banks through challenges, Todd continues to be a trusted advisor to institutions seeking to enhance risk management practices and improve the quality and performance of their loan portfolios and credit risk management infrastructure. Prior to joining Ardmore, Todd served as Deputy Chief Credit Officer for a $3 billion financial institution with a geographic footprint in Ohio, Michigan, and Indiana.

​At Ardmore Banking Advisors, Todd primarily assists clients in the following areas:

• Loan Review
• Due Diligence for Mergers & Acquisitions
• Strategic Planning
• Appraisal Reviews
• Credit Administration
• ALLL/CECL Methodology
• Special Asset Resolution
• Credit Policy Development or Revision
• Asset Quality Analytics
• Portfolio Management
• Lending Operations
• Regulatory Compliance
• Loan Portfolio Stress Testing
• Concentration Analysis
• Problem Loan Workout
• Regulatory Matters

Mark Goldring is a seasoned IT professional with over 21 years of experience with architecture, database, development, collaboration and infrastructure skills. Mark has been with Ardmore since 2008.

In his current role as Senior Vice President & Senior Technology Consultant at Ardmore Banking Advisors, Mark is responsible for the development and implementation of our loan review and credit technology software. 

​Prior to joining Ardmore Banking Advisors, Mark was Chief Architect/Developer at a number of companies, where he managed, designed and implemented applications and solutions to automate dataflow and delivery into custom systems.

​As part of Ardmore Banking Advisors, Mark brings a wealth of technological expertise and his experience has been essential to working in the following areas:

• Development of myLR, Ardmore’s proprietary Loan Review software platform
• Due Diligence Support
• Custom Technological Solutions
• Special Development 
• Implementation Projects for Clients

James McKeighan is a seasoned banking executive with over 36 years of experience in all areas of commercial and private banking. Jim has been with Ardmore since 2009.

Jim’s banking career commenced at a regional Philadelphia bank, where he held multiple positions in the commercial banking division, culminating in leading the private banking group. For the subsequent ten years, he was the Senior Lender and President of a regional bank, after that, the President of a community bank.

Jim has assisted clients in reaching their goals in the following areas:​

• Productivity Enhancement
• Process Improvement
• Municipal Authority Credit Review
• Loan Review
• Private Banking
• Due Diligence

David Molson is a seasoned banking executive with over 36 years of experience in all areas of commercial and retail banking.

​Having joined Ardmore Banking Advisors in 2012, David was previously an executive with a major Canadian bank in both Canada and the U.S. and was, more recently, a community bank president. He has extensive executive experience in Risk Management, OREO /Special Problem Assets, Due Diligence, Loan Review, Loan Policy, and Compliance, Loan Administration, Market Strategy, and IT.
 
As part of Ardmore Banking Advisors, Inc., David brings a unique blend of expertise and creative problem-solving in the following areas:

• Program & Project Management 
• Credit Scoring for Small Business Lending
• Loan Review
• Credit Policy & Procedures 
• Management & Assessment
• Credit Risk Management
• Agriculture Lending

Kelli Rahn is Ardmore’s Senior Vice President, Credit Operations & Director of Training. with extensive experience in the areas of Credit Risk Management, Commercial Lending and Private Banking. In addition to her role in Credit Operations, Ms. Rahn serves as Ardmore’s Director of Training and is responsible for developing and training new team members. Ms. Rahn has been with Ardmore since 2021.

Prior to joining Ardmore Ms. Rahn served in senior roles in both Credit Administration as well as in commercial and corporate lending. Most recently Ms. Rahn was responsible for the credit approval and review process for a large portfolio of commercial clients spanning a wide variety of markets and industries. Ms. Rahn played a key role in restructuring a troubled loan portfolio, establishing sound credit underwriting and operational procedures greatly improving the performance of the loan portfolio.

At Ardmore, Ms. Rahn works with our clients in the following areas:

• Loan Review
• Due Diligence
• Training and Credit Risk Management
• Project Management
• Annual Reviews

Joseph Rebl, CPA has been with Ardmore since 2008, currently serving as Chief Financial Officer and Senior Consultant specializing in ALLL consulting. His duties include consulting on a wide variety of treasury, reporting and accounting matters, along with regular reviews of client ALLL methodologies and processes.

Before arriving at Ardmore Banking Advisors, Joe was Executive VP and CFO for a major Philadelphia-area bank for over twenty years, after an early career with a “Big 8” accounting firm and a large regional bank.

Areas of expertise include:

• ALLL Methodology, Compliance & Process
• Profitability Analysis
• Accounting
• Treasury
• Financial Statements
• Financial Controls & Internal Oversight

Suzanne Storm is an experienced commercial banker with nearly 31 years of credit analysis, commercial lending, workout, credit approval and oversight, and credit policy experience. Suzanne has been with Ardmore since 2012.

​She has also served as Director of Risk policy for one of the largest banks in America, overseeing credit policy, operational risk ​policy, and corporate risk governance. 

Following a merger, she was head of Corporate Credit Policy for the acquiring bank and oversaw the integration of lending authorities and credit policy.

Her experience also includes credit training and credit analysis, large corporate lending, workout, and leadership of underwriting and portfolio management teams.

​In her role as Senior Consultant for Credit Policy & Risk Management at Ardmore Banking Advisors, Suzanne brings a unique blend of expertise and problem-solving in the following areas:

• Appraisal Review
• Credit Policy and Procedures
• Credit Process
• Credit Risk Management
• Due Diligence
• Loan Review
• Regulatory Updates on Credit Risk Management Issues
• Credit / Operational Boundary Risk

With over 35 years of experience prior to joining ABA, Duane served a Sr. EVP and Chief Credit Officer for a regional bank headquartered in Southeastern PA, where he was responsible for the overall credit risk management program for commercial lending, leasing and retail lending.

Duane managed the Commercial Credit function, directed the Loan Workout and Asset Recovery department, and drafted the loan policy and procedure manuals. In the past, he coordinated the loan portfolio reporting to the Bank’s Board of Directors and regulatory agencies and performed due diligence on several acquisitions. Previously, Duane operated as the Chief Risk Officer for the Bank.

At Ardmore, Duane will be used in the following areas:

• Loan Review
• Due Diligence
• Various Credit Risk Management Projects

Mr. Cammarata has been a senior consultant with ABA since 2003, and is also the founder of Cammarata Associates.  

​He has led his mortgage company for over 40 years, specializing in mortgage underwriting, review and audit. His specific credentials include being a Licensed Mortgage Banker, First and Second Mortgage DE Underwriter, Approved QC Auditor and consultant to banks for Secondary Market Best Practices.

​Frank has also previously served as president of a community bank.  

Dale Carr is a Senior Consultant with over 40 years in Commercial Banking primarily on the lending/credit side. 

Prior to joining Ardmore, Dale was a Senior Vice President with a major Philadelphia bank’s Middle Market Group for over 22 years where he managed a very large and complex commercial loan portfolio that included sole bank, multi-bank and Leveraged Finance clients in a variety of industries. His previous experience included management roles in Commercial Banking, Private Banking and as a Credit Officer at other major Philadelphia banks.  During his career he has had extensive experience with a variety of ownership structures including publicly owned, privately owned, and Private Equity-owned companies. 

Kathy Davis is a senior banking consultant with over 41 years of banking experience in commercial and retail lending. Past experience includes management of the lending functions to include commercial and retail line lenders, commercial credit department, credit administration, collections, loan policy/procedure development, ALLL evaluation, and methodology, among other fields.​ Kathy has been with Ardmore since 2015.

Prior to joining ABA, Kathy was a SVP and Senior Credit Officer for a major New York State-based, where she was responsible for the overall credit risk management program for commercial and retail lending, managed the commercial credit and collection departments, evaluated the ALLL for management and edited the loan policy and procedure manuals. She also coordinated the loan portfolio reporting to the bank’s Board of Directors and regulatory agencies. 

​Previously, Kathy was Vice President and regional commercial loan officer for another large Northeastern bank.

​At ABA, Kathy works with clients in the following areas:

• Loan Review
• Due Diligence
• Report Writing
• Quality Control

Bryan is a banking and finance professional with over 37 years of experience in the industry. Bryan has been with Ardmore since 2017.

Most recently the Credit Officer of a multi-billion dollar bank in Philadelphia, Bryan was responsible for developing commercial loan policies and procedures, credit risk scoring grids, and writing credit risk rating policies.

​He previously served as Commercial Loan Officer and Investment Officer at another major Pennsylvania-based bank, where he specialized in originating and managing a fund of leveraged bank loan investments.

At ABA, Bryan specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Policy

Linda Douglas is a senior banking consultant with over 25 years of banking experience in loan review, loan administration and credit. Linda has been with Ardmore since 2019.

Prior to joining Ardmore Banking Advisors (ABA), Linda was a Senior Vice President, Senior Credit Officer and Regional Loan Administrator for a major Philadelphia-area bank, where she worked for eight years.

At ABA, Linda works with clients in the following areas:

• Loan Review
• Due Diligence

Jim Easley is a Senior Consultant who brings over 40 years of experience in commercial lending, business banking and C&I to his role at Ardmore.

Before joining Ardmore, Mr. Easley was a Market President and SVP for a regional Southwestern New Mexico bank, where he developed and grew a commercial loan portfolio in the El Paso market.

Previously, he served as Business Banking Manager, Community Banking President and Market President in New Mexico for two of the of the largest nationwide banks.

At ABA, Mr. Easley specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Consulting

August Heath is a Senior Consultant with over 10 years of experience as a commercial credit professional with a track record of creating value while exercising sound risk judgment.

Before joining Ardmore, Mr. Heath was a Senior Vice President and Portfolio Manager at a major Northern California bank, where he managed portfolios, relationships and loan underwriting.  Previously, he was a Business Banking Underwriter for another California bank.

At ABA, Mr. Heath specializes in the following areas:

• Loan Review
• Due Diligence

Frank Heston is a Senior Consultant who brings over 35 years of experience in C&I and CRE lending, with specialized experience spanning SBA lending through shared middle market credits, to his role at Ardmore.
Before joining Ardmore, Mr. Heston was a Regional President in Lehigh Valley for a major Pennsylvania bank.
Previously, he opened a Loan Production Office in Allentown for another Pennsylvania bank, where he served as Market Manager, served as the Market Executive for a super regional bank, and Loan Review Officer for a New Jersey based bank.

At ABA, Mr. Heston specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Projects

Over his 30-year career, Mr. Hood has provided SBA outsourcing services to dozens of banks in the United States, served some of the highest volume SBA lenders in the country, and built his business as a knowledgeable SBA lender and advocate for America’s small businesses. Doug has been with Ardmore since 2014.

Over his career, Mr. Hood has generated over $50,000,000 of SBA 7a loans on an annual basis, including origination, underwriting, packaging, closing, servicing, and liquidation, in addition to performing audit engagements for loan exceptions and process improvement plans for community and regional banks.

He has received numerous U.S. Small Business and Veteran’s advocacy awards including the Georgia and Southeast Regional SBA Financial Advocate of the Year Award and was a finalist in the 1998 National SBA Financial Advocate of the Year Award. Another honor was his inclusion in Georgia Trend Magazine’s 1998 List of 40 Under Forty, a distinguished roster of up-and-coming business leaders in Georgia. In addition, he is often quoted in Atlanta and national business publications regarding financial issues affecting the small business community.

Mr. Hood’s reputation as a champion for small business has gained him a seat on the Georgia SBA Advisory Council, as well as an appointment to the SBA’s National Advisory Council where he served for six years as the Georgia Representative. In addition, he has taught capital strategy at institutions including Emory University, Georgia Tech, and the University of Georgia.

Martin Infanti is a Senior Consultant with over 40 years of experience in the financial services industry, with extensive experience in credit policy, credit risk administration and underwriting.

Before joining Ardmore, Martin was SVP and Market Commercial Credit Manager at one of the country’s largest banks, supervising four teams of Portfolio Managers and Analysts in the Regional Commercial lending unit.

He is also a former VP and Credit Review Section Manager at one of Delaware’s largest banks, where he developed a new plan for loan review that led to increased portfolio coverage of 500%.

At ABA, Mr. Infanti specializes in the following areas:

• Loan Review
• Due Diligence

Kathleen Kurtz is a Senior Consultant with over 45 years of experience in the financial services industry, with extensive experience in loan review, due diligence, ALLL and credit risk management.

Prior to nearly five years as an independent consultant, Kathleen was the Senior Credit Officer, and subsequently Senior Credit Administration Officer at a community bank in Maryland, where she was one of four members of the Executive Loan Committee and participated in lifting the bank’s consent order.

At ABA, Ms. Kurtz specializes in the following areas:

• Loan Review
• Due Diligence

Deborah Lange is a Senior Consultant who brings over 35 years of experience in CRE, C&I, and credit to her role at Ardmore.

Before joining Ardmore, Ms. Lange was a Chief Credit Officer of a major Midwestern bank, where she managed a team of credit professionals with direct oversight of Underwriting (C&I, CRE, Equipment Finance, Retail and Mortgage), Special Assets, Collateral Valuation, Credit Administration and Credit Reporting.

She also chaired the Bank’s Loan, Credit Governance and Special Assets Committees.

A member of ALCO and ERM, she also oversaw all credit reporting, headed up numerous projects including a re-write of the bank’s loan policy, implementation of a new consumer underwriting system, the launch a new commercial loan workflow and adoption of an automated small business scoring software for commercial loan exposures under $1MM.

She also completed several due diligence reviews and provided recommendations pertaining to target acquisitions.

At ABA, Ms. Lange specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Projects
• Construction Lending Projects

Skip Marshall is a senior banking consultant with over 45 years of experience in the financial services industry, specializing in Credit Administration and Policy. Skip has been with Ardmore since 2019.

Prior to joining Ardmore Banking Advisors (ABA), Skip was a Senior Vice President Regional Loan Administrator responsible for large loans in Central Pennsylvania.

Previously, he was EVP and CCO for a major Pennsylvania community bank, where he worked for 16 years.  

• Loan Review
• Due Diligence

Kathryn McDonald is a Senior Consultant who joined Ardmore in 2016, bringing over 31 years of experience in the banking industry to her position.

Throughout Katie’s career, she has held a wide range of roles with varying responsibilities in the areas of commercial banking, credit administration, and strategic management.  

Most recently, Katie worked as the Chief Credit Officer/ Executive Vice President of a Pennsylvania community bank, where she managed the credit underwriting function for commercial and consumer lending. She was also responsible for the credit process, revision of loan policies and response to external auditors for loan accounting and process review.

At ABA, Katie works with clients in the following areas:

• Loan Review
• Due Diligence

Matthew McMichael is an experienced commercial banking professional who brings nearly 30 years of experience to his role.

In the past, Matthew has demonstrated ability to effectively manage commercial credit, loan review, and loss mitigation departments while advising and mitigating risk to senior management and external examiners with the goal of achieving superior corporate financial performance.

He was previously Chief Credit Officer for a midsize regional bank in Michigan, where he managed the credit, loan review, loss mitigation, and residential mortgage operations departments with an increased emphasis on policy, reporting, risk management, and safety and soundness.

At Ardmore, Matthew works with our clients in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Projects

R. Bud Miller is a Senior Consultant with nearly 40 years of experience in commercial lending specializing in C&I, CRE, SBA and Healthcare as a leader, manager and credit expert.

Prior to joining Ardmore, Bud was Regional Director and Market President of the Philadelphia area for a regional NJ Bank. Previously, he held various senior leadership roles at a major international bank overseeing commercial lending and retail in the Philadelphia suburbs, SBA lending in the Mid-Atlantic area and Small Business lending nationally. Prior to that, he managed commercial lending operations for a community bank in Philadelphia and developed middle marketing lending for a major regional banks in Philadelphia and Detroit.

At Ardmore, Mr. Miller specializes in:

• Loan Review
• Due Diligence

Dana Moran is a Senior Consultant with nearly 20 years of experience in the financial services industry.

Before joining Ardmore, Ms. Moran was most recently an Executive Director & Senior Underwriter in the Corporate Client Banking division of one one of the largest US banks, where she was responsible for management of commercial and industrial customers, monitored credit risk and performed due diligence on new credit exposures.

More recently, she performed pro bono consulting projects benefitting Chicago-area nonprofits.

At ABA, Ms. Moran specializes in the following areas:

• Loan Review
• Due Diligence

Ken Orchard is a Senior Consultant with over 40 years of experience in the financial services industry, with a strong history of achievements in leadership, management and credit risk analysis.

Before joining Ardmore, Mr. Orchard was a Regional President and served on the Senior Credit Committee of a major Pennsylvania bank, focusing on the development of the commercial lending portfolio in the New Jersey area.

Prior to that, he served as Senior Vice President for three major US banks.

At Ardmore, Mr. Orchard specializes in the following areas:

• Due Diligence
• Credit Risk Management Projects

Robert Pipcho is a Senior Consultant who brings over 25 years of experience in law enforcement and bank regulation to his role at Ardmore.

Before joining Ardmore, Mr. Pipcho spent 20 years as a Special Agent for the Federal Bureau of Investigation, in charge of white-collar crime matters, including complex financial crimes, public corruption, and bank fraud.

Mr. Pipcho is a CPA, and before joining the FBI, spent several years as a Bank Examiner for the OCC in the northeast region of the country.

At ABA, Mr. Pipcho specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Consulting

David Roland is a Senior Consultant who brings nearly 40 years of C-level experience in the financial industry to his role at Ardmore.

Before joining Ardmore, Mr. Roland was a Market President for a major Pennsylvania bank, where he served on the Central PA regional leadership team, and led the bank’s commercial banking teams in the Berks, Schuylkill and Northern Montgomery County markets.

Previously, he was Market President for another major Pennsylvania Bank, where he served the Chester and Berks County markets, and subsequently, Berks and Lehigh Counties. While there, he also served as Business Banking manager.

At ABA, Mr. Roland specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Consulting Projects

Katharine Sample is a senior banking consultant with nearly 20 years of experience in the financial services industry, specializing in commercial loan review and analysis. Kathi has been with Ardmore since 2020.

Prior to joining Ardmore Banking Advisors (ABA), Kathi spent the past 16 years as a Loan Review Officer and most recently, as Vice President of Loan Review for a $2 billion Pennsylvania bank, where she also served on the Allowance, Pre-Allowance & Watch List Committees.

At Ardmore, Kathi serves clients in the following areas:

• Loan Review
• Due Diligence

Jonathan Sprogell is a Senior Consultant with over 40 years of experience in the financial services industry, specializing in commercial and private banking.

Prior to joining Ardmore, Jonathan spent six years in the Private Banking department of a major Philadelphia-market bank. Previously, he spent over 35 years at one of Pennsylvania’s largest banks, where he helped launch the Mid-Corp Banking Department and worked in the Commercial Banking Group.

Kathleen Stanczak is a Senior Consultant who brings over 30 years of experience in commercial underwriting and lending to her role at Ardmore.

Before joining Ardmore, Mrs. Stanczak spent a majority of her career at a major nationwide bank, most recently as SVP and Lead Commercial Relationship Manager, where she managed a large portfolio of commercial customers leading the credit approval and review process for these higher risk and large dollar relationships, prepared Problem Asset Reports for loan workout, and participated in a project to remediate the in-market Business Banking portfolio.

At ABA, Ms. Stanczak specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Projects

Mary Stine is a Senior Consultant who brings over 40 years of experience in Specialty Lending, C&I, and commercial credit underwriting to her role at Ardmore.

Before joining Ardmore, Ms. Stine was a SVP & Specialty Lending Credit Officer of a major New Jersey bank, where she responsible for general credit risk oversight of the ABL, Healthcare, Mortgage Warehouse Lending and SBA portfolios.

Other titles held previously include Director of Commercial Credit Underwriting and C&I Credit Risk Officer, and Ms. Stine also served on the Commercial Credit, Executive Lending and Management Risk Committees.

At ABA, Ms. Stine specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Projects

Wilson Tam is a Senior Consultant with over 28 years of experience in the financial services industry, with extensive and successful experience in credit and compliance risk management.

Wilson has proficiency in special assets, underwriting, portfolio management, and regulatory compliance complimented by a solid foundation in operational risk.

Prior to joining Ardmore, Wilson was SVP and Chief Underwriting & Portfolio Analytics Officer at a major New Jersey bank, where he spent six years building and leading teams that achieved top results in CRE- Multi-family and C&I loan originations. Previously, he was Senior Director of the Commercial Business Risk Office of one of the largest banks in the country, where, among other accomplishments, he built, instituted, and operated a first line of defense AML/KYC compliance program with a major nationwide accounting firm to remediate serious regulatory findings.

At ABA, Mr. Tam specializes in the following areas:

• Loan Review
• Due Diligence

John Thomas is a Senior Consultant with nearly 35 years of experience in the financial services industry, with extensive experience in credit risk management.

John has expertise in relationship management, credit underwriting and portfolio management, and his background includes financing of start-up businesses to Fortune 100 entities across a diverse array of industries.

Prior to joining Ardmore, John was SVP and Middle Market C&I Relationship Manager at a major Pennsylvania bank, where he spent six years developing and managing a C&I loan portfolio based on sound credit metrics.

J. Michael Troutman is a Senior Consultant who brings nearly 40 years of experience in the financial industry, specializing in middle-market banking, to his role.

Before joining Ardmore, Mr. Troutman spent his career in three major Pennsylvania banks, where he was a SVP of Middle Market Banking, specializing in bringing financial solutions to large, privately-held companies in Central and Western PA.  

At ABA, Mr. Troutman specializes in the following areas:

• Loan Review
• Due Diligence
• Credit Risk Management Services

Joe Van Haselen is a Senior Consultant who brings over 35 years of experience in C&I, CRE and residential construction lending to his role at Ardmore Banking Advisors.

Before joining Ardmore, Mr. Van Haselen was Colorado Regional President for an Iowa-based bank, where he was also a voting member on the metro and executive loan committees, and helped facilitate a merger.

Previously, he has served as Denver President for another institution, where he helped facilitate the revitalization of a struggling CRE portfolio into a high performing commercial bank with more diversified offerings, including C&I, specialty banking and Treasury Management.

At ABA, Mr. Van Haselen specializes in the following areas:

• Loan Review
• Due Diligence
• Various Credit Risk Consulting Prjoects

Craig Welch is a Senior Consultant who brings nearly 35 years of experience in loan origination and credit management to his role at Ardmore.

Before joining Ardmore, Mr. Welch was an Executive Director of Corporate Credit Management for a major nationwide bank, where he managed a portfolio of leveraged transactions across various higher-risk industry sectors.

Previously, he served as Managing Director for a leading financial guaranty insurance company, where he was a credit officer for public and structured finance transactions, and as Head of New York Corporate Banking for a major European bank.

At Ardmore, Craig’s responsibilities include:

• Loan Review
• Due Diligence
• Various Credit Risk Consulting Projects

Teresa M. Wood brings over 31 years of experience in management and banking to Ardmore Banking Advisors (ABA). Her experience includes extensive new business development and client retention, portfolio management, regulatory compliance, loan administration, and special projects administration. Teresa has been with Ardmore since 2007.

​Teresa most recently served as Vice President and Group Manager of a major nationwide bank, where she was responsible for overseeing a diversified commercial loan portfolio and staff supporting automotive dealers headquartered in the Philadelphia metropolitan area and Delaware.

Her career also included co-management of the bank’s equipment leasing operation and special projects administration covering corporate business development, budgeting, and risk management.

​At ABA, Teresa works with clients in the following areas:

• Loan Review
• Special Projects
• Consumer Lending
• Process Improvement
• Credit Policy
• Leasing
• Sales & Marketing

Steve Colonnello is an experienced software developer, bringing over 20 years in the industry to his role at Ardmore. Steve has been with Ardmore since 2026.

Steve was previously Director of Application Development for an automotive fleet company, where he served as senior technical resource and oversaw development and implementation of all in-house and outsourced software to support the company.

At Ardmore, Steve works with our Credit Technology Group to help design and maintain our digital solutions, including myLoanReview, myCreditInsight, and more.  

Melanie Deutsch is an accomplished banking professional bringing 18 years of banking experience to ABA. Her multifaceted background includes, retail banking, bank operations and compliance, project management, marketing and data analytics with financial institutions ranging from 1 Billion to over $200 billion in assets. Melanie has been with Ardmore since 2019.

​At Ardmore, Melanie is responsible for client relations and acts as the project manager and implementation coordinator for ABA’s credit technology products. 

Jim Gillen is Ardmore’s Senior Sales Executive & Assistant Director of Sales & Marketing. Jim brings over 25 years of experience in business development and banking, including proven success in selling consulting services to financial institutions and developing strategic marketing initiatives to his role at Ardmore.

Before joining Ardmore, Jim was Regional Director and Director of Financial Institutions for consulting and Software as a Service (SaaS) firms, where he generated new revenue with banks and credit unions and developed business through direct prospecting, networking, referrals, and executive relationship development. Previously, he was CEO of a small community bank and Chief Marketing Officer for a midsize community bank, both in Pennsylvania, which provide Jim with important insights as he builds relationships with prospective clients and helps Ardmore develop sales and marketing campaigns.

In his role, Jim is primarily focused on selling Ardmore’s credit risk management services to financial institution prospects on a national basis. He also supports the Company’s marketing efforts, including our internal and external communication efforts and implementation of the strategic plan.

Dale Kimble is Ardmore’s Loan Review Operations Manager & Data Security Officer, bringing over 11 years of Operations experience to his role.  Dale has been with Ardmore since 2012.

At Ardmore, Dale is responsible for selecting loan review samples, preparing and administrating loan review field assignments, and facilitating the flow of information from clients to our loan reviewers. 

He also serves as the liaison between the Ardmore team and our IT representatives and oversees vendor management and data security protocols. 

Matthew Weiland is Ardmore’s Marketing Coordinator and Loan Review Logistics Manager, bringing nearly 15 years of marketing experience to his role. Matt has been with Ardmore since 2012.

Matthew carries a wide range of responsibilities for Ardmore, ranging from oversight of the company’s sales and marketing efforts, coordination of marketing campaigns, press releases, and social media, and preparation for industry events.  

He is also involved in numerous logistical duties, including scheduling, client outreach, report distribution and follow-up, and process improvement.