Heritage Bank Mobile Logo Menu Heritage Bankers Here. For Everyday Banking & Big Decisions. Whether you’re setting up a checking account, applying for a loan, saving for the future or buying a home, our bankers offer the same caliber of advice they give family and friends. Your finances are personal, so we offer personalized attention. Retail Banking Leadership Branch Managers Consumer Lending Mortgage Loan Officers Retail Banking Leadership Greg Young SVP, Head of Retail NMLS # 806693 1818 Florence Pike Burlington, KY 41005 Phone: (859) 334-8272 Fax: (859) 586-9240 Greg didn’t always intend to become a banker, but his aptitude for numbers and people skills caught the attention of his grandparents’ banker. "Their banker sat me down and explained how rewarding it is to help people from your own community with lending and investing. I’m forever grateful for that talk and for the chance to have impacted the lives of people I’ve known since childhood as well as transplants just discovering why Cincinnati and Northern Kentucky is such a great place to plant roots." Tony Roderick VP, Retail Development Manager NMLS # 881083 647 Monmouth Street Newport, KY 41071 Phone: (859) 916-6318 Tony’s first banking job involved working with cutting edge technology called Automatic Teller Machines (ATMs, for short). To this day, he champions new banking technology that make banking simpler, faster and safer. His father worked for the Federal Reserve Bank in Cincinnati for more than 30 years, and Tony always had an inkling he might be cut out for banking too. After 38 years in retail, business banking and consumer lending, Tony is proud of the impact he has had on the larger community by empowering consumers and small businesses to realize their dreams. Branch Managers Neal Brown AVP, Florence Branch Manager NMLS # 434363 7434 U.S. 42 Florence, KY 41042 Phone: (859) 869-2381 Fax: (859) 282-4040 Heritage Bank knew Neal would be a good fit as soon as they learned about the Make A Difference Award another bank had given him for going above and beyond. His customer was returning to the area after a move he quickly regretted. Disabled with virtually no family or support network, the customer was vulnerable and in need of some extra consideration until he got back on his feet. Luckily, Neal was his banker. While some bankers measure success by production, Neal measures success by the lives he has changed for the better. Rhonda Bowling AVP, Mason Branch Manager NMLS # 782778 6310 Tylersville Road Mason, Ohio 45040 Phone: (513) 486-3451 Fax: (513) 486-3613 Rhonda’s customers describe her as approachable and kind. One of her most successful business customers once told her what a relief it was to know he could come to her with questions about loans, lines of credit and other necessary tools to run his business and never feel embarrassed or intimidated as he had with other bankers. He trusts Rhonda’s banking knowledge and commitment to his success so much, he has recommended several family members and friends to her over the years. Building customer relationships and helping them reach their financial goals is the part of her job Rhonda enjoys most. Ruben Campos AVP, Ft. Wright Branch Manager NMLS # 1160073 1911 Dixie Highway Ft. Wright, KY 41011 Phone: (859) 344-9205 Fax: (859) 344-6599 Many of our bankers have called Cincinnati and Northern Kentucky home for most of their lives. Ruben, who spent his early years in Belize and Mexico, chose to make his home here. After relocating to join his wife in her hometown, Ruben had a chance encounter with a bank manager who thought a bilingual guy with innate customer skills might make a good banker. The manager eventually learned Ruben has a talent for numbers, and Ruben discovered the local Hispanic community needed bankers who understand their dialects and cultures. Today, Ruben has a built a large following of customers who entrust him with their banking needs. Michelle Fisher AVP, Falmouth Branch Manager NMLS # 962800 1057 Ridgeway Avenue Falmouth, KY 41040 Phone: (859) 654-2073 Fax: (859) 654-2076 Ask Michelle what she does for a living, and she’ll tell you she’s a part-time cattle farmer and an “accidental banker.” Years ago, she was a new college graduate opening an account at a local bank when a personal banker offered to forward her resume to the bank’s recruiter. Today, she can’t imagine not being a banker. And neither can her customers. “A lovely couple I worked with in a different community tracked me to Heritage Bank. They said they wanted to work with me even if it meant switching banks.” Christina Gonzales AVP, Latonia Branch Manager NMLS # 1442991 3600 Decoursey Avenue Latonia, KY 41015 Phone: (859) 415-0545 Fax: (859) 415-0546 Christina once saved a customer $250,000 by stopping a fraudulent international wire. It impressed upon her the importance banks play in protecting customers’ finances. It also impressed the client. When she moved to Heritage Bank, it turned out the customer also had accounts with her new branch. The customer remembered her and went out of his way to tell her manager how Christina had saved his business from a huge financial blow. Darin Hart AVP, Butler Branch Manager NMLS # 759136 10499 Hwy. 27 Corner of Lock Road and US 27 Butler, KY 41006 Phone: (859) 472-7231 Fax: (859) 472-2310 Local community theater fans sometimes recognize Darin from his comedic roles in local productions, but his most loyal fans are the customers familiar with his banking talent. Some of his neighbors know him as DJ Hartbeatz whose mobile DJ business infuses life into local parties, but Darin’s bank customers appreciate the impact of his banking counsel on their financial lives. It’s not every day you meet a banker who can reprise his favorite theatrical role on request, speak knowledgeably about the current hip hop and pop scenes, or calculate your anticipated interest savings over the next 15 years by repricing your mortgage loan. Then again, a community banker should be versatile. Jodi King AVP, Union Branch Manager NMLS # 1283150 8751 U.S. 42 Hwy Union, KY 41091 Phone: (859) 384-5290 Fax: (859) 384-5291 A 30-year veteran of the financial industry, Jodi has found fulfillment at Heritage Bank. She thoroughly enjoys her colleagues and is grateful for the opportunity to make a difference in her customers’ lives. Jodi’s colleagues and customers appreciate her listening skills and high customer service standards. “Working for a faith-based bank is a breath of fresh air. We’re expected to treat our customers the way we would want to be treated.” Patti Kinman AVP, Burlington Branch Manager NMLS # 434245 1818 Florence Pike Burlington, KY 41005 Phone: (859) 586-9200 Fax: (859) 586-9240 Patti’s banking career allows her to live out her passion for helping people every day. Whether it’s assisting with a big financial decision or just taking the time to check in with customers about their families, her customers know she wants what is in their best interest. Patti worked at larger banks earlier in her career, but always kept her eye open for an opportunity to join Heritage Bank. She was convinced her passion for service would flourish in a faith-based bank, and her customers can attest she was correct. Tanya Krift AVP, Alexandria Branch Manager NMLS # 1511537 7953 Alexandria Pike Alexandria, KY 41001 Phone: (859) 635-1234 Fax: (859) 635-7777 There was a time when Tanya couldn’t envision a career in banking. More than 20 years later, she can’t imagine not being a banker. “A member of my husband’s Business Network Inc. group had a teller opening and thought banking would be a great fit for me,” said Tanya. “As it turns out, I do love developing relationships with my customers to help them achieve their financial goals.” While working for a mega regional bank, Tanya heard stories about how Heritage Bank went above and beyond for customers and employees. She also noticed the bank’s commitment to community was hands-on and genuine. Now that she’s joined Heritage Bank, Tanya realizes how hungry she was to connect more deeply with her community, to be empowered to put her customers’ needs first and to feel as appreciated for her commitment to the customer as for the deposits and loans she generates for the bank. When she isn’t helping her long-time customers and building new relationships, Tanya enjoys hiking with her dogs and exploring new vistas on family vacations. Bill Means AVP, Crescent Springs Branch Manager NMLS # 434245 612 Buttermilk Pike Crescent Springs, KY 41017 Phone: (859) 344-9208 Fax: (859) 344-9218 Bill’s first foray into banking was as a teller job in college. He quickly realized he loved the face-to-face interaction with customers. Throughout his career, Bill has relished the rewards and challenges of working in an industry essential to individuals and businesses, always adapting to changes in technology and shifts in the economy. Bill is motivated to help customers discover their financial independence and security. When Bill is not in the office, he’s enjoying the natural beauty of this region. An Eagle Scout, Bill is the founding Boys Scout Master of a troop based out of a local church. Joni Nevitt AVP, Erlanger Branch Manager NMLS # 807755 456 Commonwealth Ave. Erlanger, KY 41018 Phone: (859) 342-0920 Fax: (859) 342-0925 Whether it’s helping college graduates apply for their first loans, working with people through financial struggles, helping a small business launch or steering established businesses ready to grow to the next level, Joni’s banking career has given her a purpose beyond conventional career success. She finds joy in her customers’ success. When she isn’t taking care of customers, Joni is an avid hiker and world traveler who has covered hundreds of miles on foot and collected more than her share of adventures. Katie Norman AVP, Independence Branch Manager NMLS # 460529 2040 Declaration Drive Independence, KY 41051 Phone: (859) 363-4830 Fax: (859) 363-4827 Katie knows first-hand how a great manager can inspire someone’s best work. She credits her first manager for the desire to build a career in banking. Today, she is committed to bringing out the best in her team, and her customers have noticed. Throughout her career, Katie has embraced innovation without losing sight of how much customers crave personal interaction in the digital age. Although new to the bank, she is impressed by how well Heritage Bank balances the long-term benefits of relational banking with the convenience and efficiency of digital banking. Scot Rawe AVP, Cold Spring Branch Manager NMLS # 581883 4929 Alexandria Pike Cold Spring, KY 41076 Phone: (859) 572-9207 Fax: (859) 572-9217 Scot graduated from Eastern Kentucky University with aspirations for a career in broadcasting. When he realized the reality of that life ran counter to what he wanted, Scot proved he could pivot. Tapping into his talents for customer service and guidance as well as his lifelong interest in finance, Scot soon found an entry-level role at a national bank. After advancing through BB&T then Truist for more than a decade, Scot pivoted again. He joined Heritage Bank to use his skills and talents on behalf of a locally-owned bank whose priorities align with the needs in his hometown. “Some of my favorite interactions are when a client I’ve helped refers friends or family members to me because they know I’ll take care of them, said Scot. “I plan to grow this branch’s loan and deposit portfolio, but also create a welcoming, comfortable environment for customers.” Mackenzy Rieger AVP, Walton Towne Center Branch Manager NMLS # 1714134 235 Mary Grubbs Hwy Walton, KY 41094 Phone: (859) 493-4600 Fax: (859) 485-4501 A coach at heart, Mackenzy likes nothing better than helping customers articulate their financial objectives, develop a winning strategy and stay on course. Outside the office, she coaches volleyball for Northern Kentucky Junior Volleyball and for Boone County High School, emphasizing goals, game plans and discipline with student athletes, too. Because Coach Mackenzy believes in the power of positive reinforcement, customers and athletes alike trust her with their personal stories and aspirations. Mackenzy has quickly established herself as a sharp, knowledgeable banker, but the relational nature of community banking comes naturally. She takes the time to encourage, commiserate and celebrate with customers. One customer even asked her to officiate at her wedding. Mackenzy, an ordained minister, was happy to help coach the bride and groom to a strong start. Paula Stamper AVP, Dry Ridge Branch Manager NMLS # 807758 48 Broadway Street Dry Ridge, KY 41035 Phone: (859) 824-0240 Fax: (859) 824-0241 Paula started her 32-year banking career as a high school co-op at a community bank in Grant County. For years, she loved serving local customers and working in various departments. She even opened a branch in Dry Ridge. Then the bank was sold and emphasis on community and customers suffered. When Heritage Bank bought the lot next door to her branch and broke ground, Paula thought it might be a sign. After speaking with Heritage Bank leaders about the bank’s Christian values, its commitment to customer service and how much employees are appreciated, she knew she had found her new banking home. Joshua Stevens AVP, Montgomery Branch Manager NMLS # 605218 9749 Montgomery Road Cincinnati, Ohio 45242 Phone: (513) 538-6320 Fax: (513) 538-6321 Joshua’s lifelong interest in finance and money management sparked his interest in a banking career. Yet, it’s his soft skills loyal customers appreciate most. Joshua listens to customers talk about their banking needs, vacation plans, business aspirations or grandchildren with interest. He prioritizes time with customers whether they call ahead for an appointment or drop by unexpectedly. Josh aims to know his customers as whole people so he can confidently recommend the products and services they need now and anticipate how the bank can help in the future. Liz Werrmann AVP, Newport Branch Manager NMLS # 421744 647 Monmouth Street Newport, KY 41071 Phone: (859) 261-2430 Fax: (859) 261-2545 Liz has completed four Tough Mudder competitions. Imagine what it’s like to have a banker with so much grit, fearlessness and competitive spirit. Imagine the hurdles she clears and the obstacles she removes for her Heritage Bank customers. After 19 years in banking, Liz knows when you go above and beyond on a regular basis, it becomes a habit. And when going above and beyond is a habit, customers notice. Liz is newer to Heritage Bank than many of her colleagues, but she is rooted in Newport, the community where she built her career. Kristie Willoby AVP, Williamstown Branch Manager NMLS # 460489 229 South Main Street Williamstown, KY 41097 Phone: (859) 428-7511 Fax: (859) 428-7517 Kristie started her banking career while still in high school. Her supervisor then is her customer today. Now a veteran of the banking industry, Kristie still treasures the small moments when she can have a lasting impact on a customer’s life – from opening a child’s first savings account to securing financing for the construction of someone’s forever home, or helping with a car loan. Speaking of cars, Kristie’s other passion is her first car – a 1966 Ford Mustang still sitting in her garage. A true Ford Family, Kristie’s father owns a 1965 model, and her sister treasures a 1967 Mustang. Joy Wilson AVP, Hebron Branch Manager NMLS # 460484 2101 Medical Arts Drive Hebron, KY 41048 Phone: (859) 689-2900 Fax: (859) 334-6962 Joy’s attitude of gratitude wins over new customers, long-time customers accustomed to the best from Heritage Bank and her colleagues. Because she loves her job, her customers treasure Joy. One customer told her, “I don’t know what I would do if you were not my banker” and another called the head of retail banking to let him know that with Joy’s help, moving his accounts to Heritage Bank in the midst of the pandemic was seamless. Joy proves great customer service starts with coming to work with a happy heart. Consumer Lending Barry Donovan AVP, Mortgage Operations Manager & Head of Consumer Lending NMLS # 2057729 8199 Dream St Florence, KY 41042 Phone: (859) 534-0241 Most of his customers and colleagues don’t know Barry has a talent for juggling balls, pins and other objects. They do know how well he juggles responsibilities in every banking role he assumes. Barry started his community banking career as a Mortgage Loan Officer, then moved onto roles as varied as commercial credit analyst, commercial credit manager and mortgage loan operations supervisor before landing his latest role, Head of Consumer Lending. Barry’s ability to adapt and multi-task may be among his greatest gifts. Whether he’s moving from product to product, customer to customer or keeping up with his two active teenage sons’ baseball, basketball, football and cross country competitions, Barry keeps it all in balance. Mortgage Loan Officers GET STARTED TODAY David Vu VP, Head of Mortgage Lending NMLS # 706247 8199 Dream St Florence, KY 41042 Phone: (859) 445-3591 David loves to cook and entertain, so an open concept kitchen is a must for any house his family calls home. He is a graduate of Northern Kentucky University and has honed his mortgage lending expertise over 15 years in the industry. To say David knows the lay of the land is an understatement. There are few neighborhood real estate scenes in Cincinnati and Northern Kentucky unfamiliar to David. But what sets him apart is his connection to his customers. He not only knows them by name, he knows their dogs’ names by closing. First-time homebuyers, empty nesters and buyers in the market for their dream home all appreciate David’s thorough knowledge of the home financing process as well as his knack for infusing humor and excitement into what could otherwise be a nerve-wracking experience. David is also a champion for new products to better serve our local market. Over a few months, David helped develop mortgage products for specific unmet needs at opposite ends of the market – buyers whose credit disqualified them from conventional lending products and buyers who needed a jumbo loan in order to finance a luxury home. Providing customers options goes beyond presenting what’s currently possible. GET STARTED TODAY Jack Fields Mortgage Loan Officer NMLS # 0470548 8199 Dream St Florence, KY 41042 Phone: (859) 801-9121 Jack is a lifelong resident of Campbell County. When he accepted a part-time teller position, Jack had no intentions of making banking his career. But once he saw first-hand how bankers touch people’s lives, he knew he had found his calling. When he joined Heritage Bank, he knew he had come home. After a stint in branch management, Jack decided to try a new area in banking. The more he learned about Heritage Bank’s plans to build a best-in-market mortgage lender, the more inspired he became to help realize the bank’s mortgage potential. “As a community bank, we’re not confined to ‘one size fits all’ solutions. We offer a range of solutions right for many budgets and home ownership aspirations,” said Jack. “Also, because we’re local, we understand what’s happening in our communities and are able to pivot to ensure our process and mortgage products fit our region.” GET STARTED TODAY Travis Moore Mortgage Loan Officer NMLS # 2143250 8199 Dream St Florence, KY 41042 Phone: (859) 750-3064 Travis is a loyal fan. Whether it’s his U.K. Wildcats, his kids’ athletic teams and or his community, Travis is an enthusiastic cheerleader. His customers appreciate his positivity as well as his coaching when securing their homes. Travis is a very experienced mortgage loan officer with deep knowledge of the region. Whether you are building a new home or buying a fixer upper, Travis knows the right financing to explore and offers an insider’s perspective on the neighborhood. Once you’re settled in, depend on Travis to tell you all the entertainment and recreational highlights of your new community. He believes our region is a great place to build a life and takes satisfaction in helping customers secure the property they will turn into a home. GET STARTED TODAY Katie Stith Mortgage Loan Officer NMLS # 1061884 8199 Dream St Florence, KY 41042 Phone: (513) 404-1046 Katie considers herself blessed to be building a career helping her neighbors reach their financial goals and building up the community where she is raising her family. After learning everything she could as a part-time teller in college and working her way up at a couple of national banks, Katie realized she felt more at home at a community bank where customers are neighbors and employees are valued by senior management. First as a branch manager and now as a mortgage loan officer, Katie is proud to help customers realize their dreams. “Banks should exist to fund our dreams and aspirations,” said Katie. “Working at Heritage Bank is a chance to make my community better, one person and one family at a time.” GET STARTED TODAY Charlie Vallandingham Mortgage Loan Officer NMLS # 461007 612 Buttermilk Pike Crescent Springs, KY 41017 Phone: (859) 801-6968 Charlie is a native of Boone County, familiar with Greater Cincinnati favorites like the Reds, Graeters and the region’s unique chili preferences as well as the varied neighborhoods that accommodate a wide range of lifestyles and life stages. After completing bachelor's and master's degrees from Thomas Moore University, he found his niche in mortgage lending. Today, he offers more than 10 years of experience to home buyers. Charlie enjoys stewarding customers through every step of what is likely to be one of the largest financial decisions of their lives. He finds it satisfying to help someone purchase their first home or finally move into the home they’ve worked many years to afford. Hanging out with buyers, realtors and builders has exposed Charlie to more home design possibilities than a long weekend of binging HGTV. His dream house would feature a large pool, plenty of inside and outside entertainment space, a chef’s kitchen and a huge garage. LEARN MORE ABOUT YOUR OPTIONS Visit Us Call Us Email Us Check Rates Help Report Lost or Stolen Cards Order Checks Report Fraud Notices & Disclosures Terms of Use Tools & Resources Education Center Fraud Alerts Financial Calculators Site Map About Us Why Heritage Leadership Careers News & Communications Copyright © 2021 Heritage Bank. All rights reserved. Heritage Bank is an Equal Opportunity and Affirmative Action Employer Minority/Female/Disability/Veteran/Sexual Orientation/Gender Identity. Equal Housing Lender Federal Deposit Insurance Corporation Facebook Twitter LinkedIn YouTube