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David Kowalek


David Kowalek is a senior banking consultant with over 41 years of banking experience, specializing in loan policy/procedure development and implementation, commercial credit administration, compliance, and loan documentation. David has been with Ardmore since 2014.

Prior to joining Ardmore Banking Advisors, David was the Chief Credit Officer for two Pennsylvania banks, 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. 

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

  • Loan Review
  • Due Diligence
  • Credit Policy
  • Credit Training

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