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, recently rejoined ABA as President. 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. Thomas has been with Ardmore since 2020.

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 is an experienced senior executive with extensive regulatory experience. He works directly with clients to counsel them on working with regulators, assist with regulatory issues, and help limit risk associated with state and federal banking regulations. Jim has been 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 assists 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 a senior consultant 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 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

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.

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.

As Senior Vice President of Administration, Controller, HR Director, and Administration Manager 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

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

Steven has over 20 years of experience in the financial services industry as a banker and a consultant. He currently serves as the Senior Director of Client 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.

Joseph Rebl, CPA has been with Ardmore since 2008, currently serving as Senior Consultant for Finance and Treasury 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

Todd is a seasoned senior banking professional with experience in commercial credit underwriting, credit risk management, credit policy and administration, loan review, problem loan management, and asset quality and concentration reporting and analysis. Todd has been with Ardmore since 2013.

​Todd previously served as Corporate Vice President of Credit Administration and Senior Credit Risk Officer for a $3 billion bank with offices in Ohio, Michigan, and Indiana, where he led the credit risk and administration initiatives. Previously, he served as Vice President and Credit Risk Manager (including Loan Review and Enterprise Risk Management). 

​Todd has extensive experience in ALLL methodology, impaired loans and Troubled Debt Restructures (TDRs), credit risk management, lending, and regulatory compliance.

​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

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

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. 

Grant Chu is a Senior Consultant with over 20 years of experience in the financial services industry, with extensive experience in credit risk administration and underwriting.

Before joining Ardmore, Grant was a bank officer providing credit risk management services including portfolio management, credit analysis and underwriting, annual reviews and other analytical assignments for some NY money center and two large NJ community banks. His experience ranged from small and middle market borrowers to large syndicated portfolios with highly leveraged transactions. Grant earned an MBA in Finance.

At Ardmore, Grant assists our clients in the following areas:

• Loan Review
• Annual Reviews

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

Jeffrey Dice is a Senior Consultant who recently joined Ardmore, bringing over 31 years of experience as a seasoned financial professional to his position. Jeff has been with Ardmore since 2016.

Jeff’s experience includes more than 30 years in lending, credit management, and recovery of large troubled assets. 

More recently, Jeff was a Loan Workout Officer at a major Pennsylvania bank, where he managed a portfolio of large risk-rated commercial loan relationships and developed strategies to both minimize credit loss and maximize recovery of charged off assets. In addition, he was recently a specialist in asset recovery for a major community bank.

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

• Loan Review
• Due Diligence

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

Lou has been with Ardmore since 2013, bringing over 41 years of experience in the financial services industry to his role as Senior Consultant.

​Lou has served as President, CEO, CRO, CCO, Interim CEO, and Director at commercial banks and thrifts ranging from $100 million to $3.3 Billion in assets.

He is an accomplished executive with wide-ranging management abilities in corporate governance, lending, credit, finance, business development, policy development, as well as compliance and regulatory matters at several public and private financial institutions. 

He also has extensive experience in investment portfolio management, commercial real estate, consumer, and mortgage underwriting, charge off and recovery, and loan documentation.

Lou’s areas of expertise include: 

• Credit Underwriting
• Federal/State Regulation Compliance
• Policy Development
• Executive Management Development
• Enterprise Risk Management
• Mergers & Acquisitions
• Due Diligence
• Strategic Planning
• Bank Restructuring
• Risk Management

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

Before joining Ardmore Banking Advisors in 2003, Mike was a Vice President specializing in loan review at a large New Jersey Community Bank and served as an asset recovery specialist in several community banks. Previous to his over 30-year career in the banking industry, Mike was an Internal Revenue Service officer.

At ABA, Mr. Kraft works with clients in the following areas:

• Loan Review
• Due Diligence
• Asset Recovery 
• Quality Control

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

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

Bob McGill is a senior banking consultant with nearly 40 years of banking experience in loan review, loan administration, and credit. Bob has been with Ardmore since 2019.

Prior to joining Ardmore Banking Advisors (ABA), Bob was a Managing Director, Senior Credit Officer & Senior Vice President of a major Philadelphia-based bank, where he developed systems and prepared whitepapers to improve executive management’s insight into the underlying risks in the bank’s loan portfolio. 

Previously, Bob was a director at one of the largest banks in America for 32 years.

At ABA, Bob specializes in the following areas:

• Loan Review
• Due Diligence

Thomas Miller is a Senior Consultant, bringing over 36 years of financial service experience to his position. Tom has been with Ardmore since 2017.

Tom is an accomplished financial services executive with an excellent track record in commercial and real estate lending, credit underwriting, loan workout, sales and portfolio management, corporate governance, and enterprise risk management.

Most recently, Tom worked as the Senior Credit Officer & Manager of Commercial Credit Services at a major Pennsylvania bank, where he structured and approved credits, supervised Regional Credit Officers, and led portfolio management initiatives.

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

• Loan Review
• Due Diligence

Fred Moryl is a Vice President for Risk Management with decades of experience in the financial services industry and in regulation, asset risk quality and credit risk management.

Before joining Ardmore, Fred was Manager of the Community Bank Supervision Unit, SRC and Commissioned Bank Examiner for the Federal Reserve Bank of Philadelphia.

During his time with the Fed, Fred conducted and reported on institutional and holding company examination and inspections, and was responsible for analysis and approval of all capital event requests from supervised institutions. Before working at the Fed Fred worked for some money center and foreign banks as a senior banker.

Kelli Rahn brings over a decade of hands-on banking experience to her role as a Senior Consultant for Ardmore Banking Advisors. Kelli has been with Ardmore since 2021.

Having previously served as Vice President, Credit Officer, Private Banking Credit Officer, and Corporate Lender for some of the largest banks in the United States, Ms. Rahn also has expertise in the management of portfolios of private and public companies, training and development of relationship managers, and development of commercial lending guidelines and credit procedures.

During her time as Credit Officer at one of Pennsylvania’s largest banks, Ms. Rahn oversaw a $500MM loan portfolio, overhauled a troubled loan portfolio to resolve deficiencies in key areas, including delinquencies, documentation, underwriting, and limiting exposure on cash management transactions.

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

• Loan Review
• Due Diligence

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

Jeff Schucker is a Senior Consultant with nearly 50 years of experience in the financial services industry, specializing in workout and special assets.

Prior to joining Ardmore, Jeff was a Senior Vice President in the Special Asset and Asset Resolution groups of one of the largest banks in the United States. He also served as Regional Credit Officer during his tenure.

Among his accomplishments was securing nearly 80 resolutions for a total of almost $200 million, primarily in complex C&I relationships.
At ABA, Mr. Schucker specializes in the following areas:

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.

Jeff Statmore is a senior banking consultant with nearly 40 years of banking experience in the commercial, credit, equipment leasing, and work-out departments. He also has experience in developing credit infrastructure for banks, managing lending relationships, and training commercial lenders. Jeff has been with Ardmore since 2021.

Prior to joining ABA, Mr. Statmore was a Senior EVP at a major nationwide bank, where he was co-manager of Credit Administration, and also engaged in equipment, franchise, and public finance. He was also responsible for the Work-Out and Recovery Department. 

At ABA, Mr. Statmore works with clients in the following areas:

• Loan Review
• Due Diligence

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.

Tony Watson is a Senior Consultant for Ardmore Banking Advisors, with over 41 years of experience in commercial banking, including client management in both large and small banks in the Mid-Atlantic region. Tony has been with Ardmore since 2012.

​Before joining Ardmore, Tony was a Senior Vice President at a major Philadelphia bank for 15 years, where he managed a large commercial loan portfolio consisting of some of the bank’s most complex multi-industry clients. Previously, he held managerial positions in commercial lending/credit, loan workout, and correspondent banking at other major Pennsylvania banks.

Tony began his career by completing the commercial credit training program at a regional bank, after which he handled cash management and commercial lending assignments.

Tony’s unique experiences serve Ardmore’s clients in the following areas:

• Loan Review
• Process & Procedure Consulting

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

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. 

Nancy Jeffreys is Ardmore’s Administrative Assistant bringing over 30 years of financial administrative assistant experience to her role. Nancy has previously worked for various banks, including a large national bank, and for Chief Financial Officers in varying industries. Nancy has been with Ardmore since 2010.

Nancy lends support to all of Ardmore’s employees and consultants by gathering data for loan reviews, keeping files and internal reports current, confirming scheduling; quality control on completed loan reviews, tracking and processing vendor payments, and assisting our controller & others on projects.

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. 

Tom Throne is an experienced software developer, bringing over 35 years in the industry to his role at Ardmore. Tom has been with Ardmore since 2021.

Tom was previously a Senior Database Analyst and Administrator for an automotive fleet company, where he designed packages for client data exchange, designed and maintained the SQL Server data warehouse, and established the call center.

In previous roles, he has also led technical teams to support managed claims services and is a subject matter expert for claims management, medical billing, SIU, financial, and recovery services.

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

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.