The Enterprise Bank Relationship Managers are among the most dedicated and knowledgeable in the Business. The infrastructure of Enterprise Bank was designed so each Relationship Manager and their staff function as their own small business within the company. For our customers this means a number of important things:
- Because they are your single point of contact at the Bank, the rapport built with your Relationship Manager will continually grow and strengthen from your first meeting, through the loan process and throughout the life of your business.
- Our Relationship Managers have a personal financial stake and liability in the loans that they make, allowing them greater flexibility in decision making and in responding to your needs quickly and conveniently.
- Your Relationship Manager is an empathetic partner who will help to navigate your business growth and any problems that you may face along the way. Like you, they are small business owners and entrepreneurs themselves with similar challenges and rewards.
- Our competitors do not have the same expertise and incentives for their lending staffs to aid in your business growth as the Enterprise Bank. Our Relationship Managers compensation, with regard to a particular customer, lasts only to the extent that the relationship with that customer is adequately maintained and nurtured. If our Relationship Managers lose a relationship to a competing bank, their income is directly reduced. We don’t just talk customer service, we live it or we pay the price.
- Because Enterprise Bank is one of the few financial institutions that caters exclusively to the small business owner, we understand their unique financial needs and customize our financing and banking solutions to each specific business customer and situation.
Graduate of Penn State University with a Degree in Management & Organization. Employed with small Business Administration, Pittsburgh District Office, in January 1993.
Responsibilities during eleven years with SBA included: Managing SBA's financial assistance programs for 27 counties of Western and Central Pennsylvania through a network of approximately 110 participant lending institutions, including regional & community banks, and non-depository financial institutions. Serving as approval authority on all loan guaranties approved by the District Office averaging over $150million per fiscal year. Overseeing and managing a guaranty and direct loan portfolio of over 2600 loans totaling approximately $265million. Supervising a staff of twelve economic development and loan specialists in the lending, portfolio management, business development, and marketing and outreach functions of the District Office. Coordination lender and resource partner seminars and training activities. Building and maintaining relationships between SBA and resource partners including participant lenders, SCORE, SBDC's and economic development organizations throughout Western Pennsylvania. Marketing SBA programs and services to economic development professionals and the small business community in twenty seven counties of Western and Central Pennsylvania.
In September of 2003, assumed a position with Enterprise Bank in Allison Park, PA (north suburban Pittsburgh) as a Senior Vice President & Relationship Manager. Responsibilities at Enterprise Bank Presently include: Providing complete business banking services to small business clients across Western Pennsylvania. Underwriting conventional and SBA guaranteed commercial loan transactions. Managing the Bank's business development efforts thru networking with existing Bank Customers, professionals, economic development agencies, and small business resources. Consulting with small business owners and principals on their financial needs and providing tailored and complete financial solutions for growing businesses. Providing referrals to small business technical assistance resources to help client businesses in implementing their growth strategies. Utilizing economic development, governmental and gap financing programs to supplement bank financing to provide overall lower costs of borrowing and more favorable loan structures to client businesses. Cross-selling of deposit and fee for service lines of business including bookkeeping, marketing, title insurance, online banking, and real estate services. Managing the Bank's commercial lending/relationship manager staff.
Personal Notes: Native of Leechburg, PA (Armstrong County). Presently resides in Lower Burrell, PA (Westmoreland County), with wife Tammi L. Miller, daughters Kylie (13yrs.), Haley (11yrs.) and son Cole (4yrs). Member of Penn State Alumni Association, Lion Link Mentoring Program, Risk Management Association Past Board Member & Chapter President, Founder of RMA Young Banker's Committee, Past Chair of Region III NAGGL Liaison Committee, Past President and Current Vice President of Western Pennsylvania Association of SBA Guaranteed Lenders, Board & Loan Review Committee Member of The Progress Fund and TPF Loan Corporation.
Raymond R. Ford has more than 27 years of commercial lending experience. Taking his place on the front lines of small business lending, he acts as a banking resource and advisor to his clients.
Ray administers a multi-million dollar portfolio that is as diverse as the Pittsburgh marketplace itself. His clients include investment property/real estate developers, manufacturers, residential/commercial contractors and other small businesses.
Receiving a bachelor's degree in accounting and business information systems from Robert Morris College in 1985, he then earned a master's degree in business administration and finance from the University of Pittsburgh's Graduate School of Business in 1990.
Soon after obtaining his bachelor's degree, Ray was promoted to Assistant Vice President at the Western Pennsylvania Development Credit Corp. In 1989, he moved to Irwin Bank & Trust where he worked as a commercial loan officer.
Ray joined Pennsylvania Capital Bank, a de novo bank, in 1993. He managed the business development and administration of a substantial loan portfolio.
Then he was hired by Enterprise Bank during its initial start-up phase in 1998. Ray was promoted to Senior Vice President and Relationship Manager in October 2000.
Joseph P. Novitski, Jr., Vice President and Relationship Manager, has worked at Enterprise Bank since it first opened its doors in October 1998. Taking his place on the front lines of small business lending, he acts as a banking resource and advisor to his clients. Joe's client portfolio, which is in excess of $20 million, is as varied as the Pittsburgh marketplace itself. He handles banking relationships with manufacturers, property management companies, placement companies, contractors, real estate developers and more.
Joe earned a bachelor's of science degree from Indiana University of Pennsylvania in 1992. Upon graduation, he worked in the insurance industry before moving on to consumer lending at a finance company. In July 1996, he became a branch manager at the First National Bank of Hermitage, where he was responsible for increasing loan growth, analyzing credit applications and much more.
After several years of work at FNB, Joe was hired as one of Enterprise Bank's first Relationship Managers. In October 2000, he received a promotion to Assistant Vice President and shortly after to Vice President. Joe completed a course at the Robert Morris Commercial Lending School in August 2000, making him a member of the Association of Lending and Credit Risk Professionals.
Mark R. Hansen, Vice President and Relationship Manager, is a valuable member of the Enterprise Bank team. Mark has 35 years of experience in the financial service industry.
Before working for Enterprise Bank, Mark worked at several Western Pennsylvania community banks. In addition to his banking experience which includes mortgage and consumer lending, he also worked as a financial planning advisor. Mark graduated from Clarion University with majors in both finance and management. He also attended the Central Atlantic Advanced School of Banking.
Mark explained that Enterprise Bank's commitment to provide superior small business banking by giving clients individual attention attracted him to seek a position with the company, "After working with small business owners during the last 35 years, I know that it's the level of service I provide to my clients that makes the difference," he states. With his diversified background and Enterprise Bank's focus on customer service, Mark is ready to be a banking resource and advisor to his clients.
Randy J. Davidson joined Enterprise Bank in 2009 as an Assistant Vice President and Relationship Manager and has since been promoted to Vice President. Randy earned his bachelor's degree in banking from Point Park College before attending the commercial lending school at Bucknell University and earning a degree from the American Institute of Banking School. He has over 31 years of experience in the financial industry, where he focused on community banking and commercial lending.
From his experience, Randy understands what it takes to develop and build relationships with clients, and he brings that understanding to Enterprise Bank. He states, "The client comes first. You have to learn about and understand the intricacies of your customer's business-not all financial needs fit into a cookie cutter mold. It is essential to provide the services and financing that will help a business realize its full potential."
Randy is a Mars area native and has a strong sense of community. He takes an interest in bettering the region through community service. Randy has been a part of the 2000 Butler County Leadership class, the Rich-Mar Rotary and the Robert Morris Association. He is a past Treasurer for the Board of Directors at the Pine Richland Youth Center and the Mars Baseball Association. Currently, he is the President of the Board at Mars Housing, a senior living center.
Jay Murgi joined Enterprise Bank in 2002 and was recently promoted to Assistant Vice President & Relationship Manager in June of 2016. Jay graduated from Indiana University of Pennsylvania (IUP) with a degree in education and started his career in substitute teaching. Jay has over 14 years of experience working with Enterprise Bank to help our customers with all of their lending needs.
Being a seasoned veteran at Enterprise Bank, Jay truly understands exactly how to make the process as easy as possible for our clients. Making sure his clients are satisfied is his goal. In fact, he said specifically, "The role of a relationship manager is difficult but rewarding, the hours can be long but coming out of a closing with a satisfied client is a great feeling."
Jodi has been a part of Enterprise Bank since the very beginning in 1998. She attended the University of Pittsburgh and double majored in Business and Communications. She has in excess of 20 years in the banking industry and currently serves as Enterprise Banks longest standing Relationship Manager. She resides in Washington Township and feels strongly about serving her community and Enterprise Bank's clients. “I believe that quality is our number one asset.”
Andrew came to Enterprise Bank in early 2017 after working for Citizens Bank for 10 years. Andrew started his career on the front lines as a Teller, then Banker, Assistant Manager and Branch Manager in the Citizens Retail Branch network. It was in 2011 while serving as a Branch Manager that Andrew discovered his passion for working with and helping small business owners. This led to his transition to Business Banking with Citizens 5 years ago, first holding the role of Business Banker working with clients up to $5 Million in sales. In 2015, Andrew was promoted to Relationship Manager I and began to work with clients from $5 million to $25 million in sales. Before leaving Citizens Bank he was promoted to Relationship Manager II in July of 2016.
Andrew’s move to Enterprise was motivated by a dislike of “big bank bureaucracy” and his desire to work in a consultative way with his clients over a long period of time. Andrew believes that lenders all provide a similar product, but that the highest level of service, responsiveness and a consultative approach is the only way he can distinguish himself from his competition.
Andrew takes pride in his involvement in the Pittsburgh Community. Andrew is a member and past Treasurer for the Hampton Township Rotary. He is a current board member with PowerLink Business Advisor Boards. He also serves on the Trustee Board at his church in West View, PA. Andrew is a native of Annapolis Maryland, but has called Pittsburgh home for 14 years now currently residing in Mars, PA with his wife, Kelly.
Mason Lockard joined Enterprise Bank in the spring of 2017. He is our newest Junior Relationship Manager and Assistant Vice President within our commercial lending department. Mason graduated from West Virginia University in May of 2017 with a bachelor’s degree in finance. “I am excited to learn the ins and outs of my new position as a relationship manager and I look forward to working with, as well as giving back to, the new community I serve.”
Eric Kraytz is a twenty five year, experienced executive in Commercial Banking, Business Development, and CFO during a turnaround, in Central Pennsylvania, Southeastern Virginia & Northeastern North Carolina. Eric has experience in Corporate Lending, Commercial Real Estate & Business Banking. His CFO position was a successful three year turnaround. In Virginia, his focus was on New Business Development for companies with revenues of $20MM - $200MM. Eric’s experience includes banks of all sizes and complexities.
Eric is responsible for developing the Central Pennsylvania Market for Enterprise bank, with offices in State College and Pittsburgh.
He is a graduate of the University of Pittsburgh. Formal bank education includes, graduated with Honors from the PBA School of Commercial Lending at Bucknell University, as well as a graduate of the RMA School of Uniform Credit Analysis(UCA) in Leesburg Virginia. He currently resides in Bellefonte PA, just outside State College PA. He has two children, Leah who is a school psychologist and Zach who is a certified welder.