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Neal Brown
AVP, Florence Branch Manager
NMLS # 434363
7434 U.S. 42
Florence, KY 41042
Phone: (859) 869-2381
Fax: (859) 282-4040
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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.
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Rhonda Bowling
AVP, Mason Branch Manager
NMLS # 782778
6310 Tylersville Road
Mason, Ohio 45040
Phone: (513) 486-3451
Fax: (513) 486-3613
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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.
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Ruben Campos
AVP, Ft. Wright Branch Manager
NMLS # 1160073
1911 Dixie Highway
Ft. Wright, KY 41011
Phone: (859) 344-9205
Fax: (859) 344-6599
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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.
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Michelle Fisher
AVP, Falmouth Branch Manager
NMLS # 962800
1057 Ridgeway Avenue
Falmouth, KY 41040
Phone: (859) 654-2073
Fax: (859) 654-2076
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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.”
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Christina Gonzales
AVP, Latonia Branch Manager
NMLS # 1442991
3600 Decoursey Avenue
Latonia, KY 41015
Phone: (859) 415-0545
Fax: (859) 415-0546
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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.
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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
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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.
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Jodi King
AVP, Union Branch Manager
NMLS # 1283150
8751 U.S. 42 Hwy
Union, KY 41091
Phone: (859) 384-5290
Fax: (859) 384-5291
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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.”
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Patti Kinman
AVP, Burlington Branch Manager
NMLS # 434245
1818 Florence Pike
Burlington, KY 41005
Phone: (859) 586-9200
Fax: (859) 586-9240
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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.
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Tanya Krift
AVP, Alexandria Branch Manager
NMLS # 1511537
7953 Alexandria Pike
Alexandria, KY 41001
Phone: (859) 635-1234
Fax: (859) 635-7777
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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.
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Bill Means
AVP, Crescent Springs Branch Manager
NMLS # 434245
612 Buttermilk Pike
Crescent Springs, KY 41017
Phone: (859) 344-9208
Fax: (859) 344-9218
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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.
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Joni Nevitt
AVP, Erlanger Branch Manager
NMLS # 807755
456 Commonwealth Ave.
Erlanger, KY 41018
Phone: (859) 342-0920
Fax: (859) 342-0925
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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.
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Katie Norman
AVP, Independence Branch Manager
NMLS # 460529
2040 Declaration Drive
Independence, KY 41051
Phone: (859) 363-4830
Fax: (859) 363-4827
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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.
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Scot Rawe
AVP, Cold Spring Branch Manager
NMLS # 581883
4929 Alexandria Pike
Cold Spring, KY 41076
Phone: (859) 572-9207
Fax: (859) 572-9217
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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.”
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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
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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.
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Paula Stamper
AVP, Dry Ridge Branch Manager
NMLS # 807758
48 Broadway Street
Dry Ridge, KY 41035
Phone: (859) 824-0240
Fax: (859) 824-0241
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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.
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Joshua Stevens
AVP, Montgomery Branch Manager
NMLS # 605218
9749 Montgomery Road
Cincinnati, Ohio 45242
Phone: (513) 538-6320
Fax: (513) 538-6321
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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.
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Liz Werrmann
AVP, Newport Branch Manager
NMLS # 421744
647 Monmouth Street
Newport, KY 41071
Phone: (859) 261-2430
Fax: (859) 261-2545
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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.
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Kristie Willoby
AVP, Williamstown Branch Manager
NMLS # 460489
229 South Main Street
Williamstown, KY 41097
Phone: (859) 428-7511
Fax: (859) 428-7517
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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.
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Joy Wilson
AVP, Hebron Branch Manager
NMLS # 460484
2101 Medical Arts Drive
Hebron, KY 41048
Phone: (859) 689-2900
Fax: (859) 334-6962
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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.
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