Kathy joined Capital Bank in December 2010 and is currently responsible for the Bank’s credit administration function including credit policy, loan approval process, loan quality, portfolio risk management, and special assets. Kathy is an active member of the Bank’s Management Loan Committee, Credit Loan Committee, and Church Street Mortgage Risk Committee. Since joining, Kathy has successfully managed the reduction in the Bank’s criticized, classified and overall NPA levels.

Kathy’s prior banking experience includes a 20 year career with Equitable Bank, headquartered in Wheaton, Maryland. In her position as Senior Vice President, Kathy was responsible for managing the Bank’s loan origination and credit administration functions and managed the residential mortgage loan origination division. In addition, she served as Corporate Secretary. As a member of the Senior Management Team, Kathy played a key role in Equitable Bank’s conversion from a mutual savings and loan association to a publicly traded bank.

Following the sale of the bank in 2003, Kathy continued her community banking career in various consulting and loan origination positions. She also obtained her Maryland real estate license and worked for a small brokerage until 2007. Kathy joined Fannie Mae’s multifamily legal team in 2007 as a paralegal in the Housing and Community Development division providing support in the revision and re-launch of the Delegated Underwriting and Servicing (DUS) Guide.

Kathy is a graduate of University of Maryland University College with a major in finance and minor in business law. She is a lifelong resident of Montgomery County, is married and has four children.