Meet the Team

Kevin Hagan
President

NMLS #1266007

Pittsburgh native Kevin Hagan moved to Southwest Florida with his family in 1975, when Kevin was in seventh grade. He attended Brookside Junior High and Riverview High School. In 1986, Kevin graduated from the University of South Florida with a bachelor's degree in business administration. He began his banking career in 1987 with Barnett Bank, the largest Florida-based bank at that time.

Representing financial institutions in Charlotte, Lee and Sarasota counties, Kevin has served as Commercial Real Estate Lender, Corporate Lender, Retail Manager, Vice President, and Senior Vice President. He also has experience in branch administration and business development.

In addition, Kevin served as COO of a diversified privately owned enterprise that included construction, manufacturing, and real estate investment divisions. He was also an owner/partner of a successful medical equipment company. He became president of Englewood Bank & Trust in 2017.

An active leader in the Southwest Florida region, Kevin chairs the Bay Village of Sarasota County board of directors. He is a past president of the Sertoma Club of Venice and has been an engaged volunteer  in many other civic and charitable organizations over the past three decades.

Christine Davis
Senior Vice President, Retail Banking

NMLS #1513225

A familiar figure in financial and community circles in Sarasota, Fla., Christine joined the Crews Banking family in 2019 as a vice president and relationship manager heading up the Crews Bank & Trust’s Sarasota office. She now serves as senior vice president of retail banking for Crews Bank & Trust and Englewood Bank & Trust. Christine began her banking career in 1998. She has experience in retail banking, treasury management and residential lending. As a sales manager and loan officer, she has used her skills to guide, manage and influence successful sales operations, identify and mitigate risk, empower management teams, manage strategic visions, deliver product enhancement and build strong client relationships in both the corporate and community banking environments.

Christine immersed herself in Sarasota’s business and nonprofit communities. She has been involved with Boys and Girls Clubs of Sarasota County since 2002, serving as board chair, vice chair, treasurer and secretary. She is also a founding board member secretary of the Sarasota Athletic Association, a nonprofit focused on creating and managing athletic events to raise funds for local charities, and she spent two years on the board of the Ave Maria School for Special Needs Children.

Bryan Pennybacker, CPA
Chief Financial Officer

Bryan started his career in 1980 employed by a public accounting firm located in West Virginia and working within the audit department. Part of his responsibilities included full scope audits over financial institutions, specializing in SEC work, creating Bank Holding Companies and preparing corporate income tax returns. He joined Charlotte State Bank & Trust in September of 2005 as the Chief Financial Officer and Executive Vice President.

Since joining Charlotte State Bank & Trust, Bryan has been named the Chief Financial Officer over Englewood Bank & Trust and Director of Accounting over Crews Bank & Trust. His responsibilities include management and oversight of accounting processes, preparation of financial statements and preparation of annual operating budgets.

Bryan graduated from West Virginia University in 1980, and is a licensed Certified Public Accountant as well as a licensed Chartered Global Management Accountant. He is a member of the AICPA ( American Institute of Certified Public Accountants), West Virginia Board of Accountancy and West Virginia Society of CPAs. He has served as the Treasurer for the “Relay for Life” and served on various school committees. He currently serves as Treasurer on a local HOA (Homeowners Association).

Kevin Casey
Senior Vice President, Senior Lender

With over three decades of banking experience, Kevin is familiar with all aspects of commercial lending, specializing in owner-occupied and investor real estate lending. Prior to joining Englewood Bank & Trust in 2015, he served as Senior Vice President or Vice President and three other Sarasota area financial institutions, concentrating on commercial banking and wealth management.

Kevin, who earned a bachelor's degree in accounting at the University of New Haven in Connecticut, was with Englewood Bank & Trust less than a year when he was promoted to Senior Vice President and Senior Commercial Lender. He provides his clients, ranging from small business owners to real estate investors, with expert consultation, tailoring a financing program suited to needs.

Kevin also shares his knowledge and expertise with the community. He chairs the Economic Development, Government Issues and Transportation Committee of the Venice Area Chamber of Commerce, and he is affiliated with the Venice and Englewood Area Board of Realtors. In addition, he serves on the United Way of South Sarasota County’s Allocation Committee and is also involved with the Greater Sarasota Chamber of Commerce as a mentor of the Young Entrepreneurs Academy.

Len Carney
Vice President and Commercial Lender

A Pittsburgh native, Len moved to Florida in 1985 and spent time at a trio of Sarasota County banks before joining Englewood Bank & Trust as Vice President of Commercial Lending in 2013. In 2017, he expanded his role to the Englewood Bank & Trust Venice office.

A Venice resident for decades, Len specializes in commercial real estate and small business loans via conventional and Small Business Administration (SBA) structuring. He has extensive knowledge about servicing the medical sector by providing long-term commercial real estate solutions and equipment lending.

Len earned a bachelor’s degree in finance at Troy University in Alabama, completed the Florida Banking Association’s School of Banking at the University of Florida, and is in the process of obtaining the CCIM (Certified Commercial Investment Member) designation.

Len graduated from the Leadership Englewood program, presented by the Englewood Florida Chamber of Commerce, with the class of 2016, and the Leadership Venice program, presented by the Venice Area Chamber of Commerce, class of 2019.

He is a board member for Family Promise of South Sarasota County and is also active in the Venice Chamber of Commerce and the Commercial Investment Division (CID) of the Realtor Association of Sarasota and Manatee (RASM).

Doug Johnson
Vice President and Commercial Lender – Sarasota/Manatee counties

NMLS #895651

Doug joined the Englewood Bank & Trust Team as Vice President of Commercial Lending for Sarasota and Manatee counties in 2018. He brought 21 years of commercial banking experience, including 18 years in commercial real estate lending. He had served as Vice President, Commercial Loan Officer and business banking manager at banks in the Sarasota-Bradenton area.

His familiarity with Sarasota and Manasota counties enables him to provide financial and lending solutions designed to help clients grow their businesses, real estate portfolios and personal net worth.

Doug earned a Bachelor of Science degree in 1979 while majoring in psychology at the University of Florida. He received his MBA (Master of Business Administration) degree, with concentrations in finance and marketing, from the University of South Florida in 1989. USF awarded him a graduate business fellowship.

Doug completed the Graduate School of Banking at Louisiana State University in 2008, as well as Risk Management Association (RMA) courses in business tax returns and commercial loan structuring. He is an active member of the Commercial Real Estate Alliance of the Realtor Association of Sarasota/Manatee, Gulf Coast Builders Exchange and Lakewood Ranch Business Alliance. A Leadership Manatee graduate, he served on the boards of Junior Leadership Manatee (chairman in 2003) and All Faiths Food Bank. He also has volunteered with the American Cancer Society, Boy Scouts of America and the Center for Education School Parents Association.

Liz Jarvis
Vice President, Residential Lender - Englewood

NMLS #795307

Born in Bergen, Norway, Liz grew up in Marshfield, Mass. She entered the banking industry in 1978 and moved to the Charlotte-Sarasota area in 1984. 

She served in a variety of positions, including 14 years as a Branch Manager (1984-98). She then worked as a Mortgage Banker and Branch Manager for a Southwest Florida mortgage company prior to joining Englewood Bank & Trust as a Residential Lender in 2009.

Liz completed the following American Institute of Banking courses: Principles of Banking, Law and Banking, and Accounting I and II. She also holds a Mortgage Brokers license A fixture on the Englewood Sun newspaper’s annual Readers’ Choice Awards, Liz was chosen Best Mortgage Lender four consecutive years (2014-2017) and was a finalist for the award for three years. The Englewood Women’s Council of Realtors (WCR) Englewood on the Gulf chapter named her Affiliate of the Year-in 2013, and she is a graduate of the Leadership Englewood Class of 2011.

In addition to the WCR, Liz is an active member of the Englewood Area Board of Realtors and Englewood Florida Chamber of Commerce.

Terese Duelge
Vice President, Residential Lender - Venice

NMLS #526244

After working as a real estate agent in Wisconsin for two years in the mid-1980s, Terese discovered that her passion was working closely with buyers in need of financing. Thus began her career in residential lending. She served as Senior Mortgage Originator at a community bank in that state from 1986 through 2013, during which time she originated a wide variety of mortgage loans for new and repeat customers.

Terese studied real estate law to enhance her knowledge of the industry. She worked closely with branch associates and hosted workshops and Continuing Education classes for local real estate brokers and sales agents.

After moving to Florida, Terese spent two years as a Mortgage Loan Officer before joining Englewood Bank & Trust as a Vice President and Residential Lender. Terese serves clients from Sarasota to Boca Grande and beyond.

Terese received the Venice Area Board of Realtors Affiliate Honor Roll Award for 2017 and 2019 for her continued dedication as a member of the board’s Scholarship Committee. Terese chairs Cora's Giving Fund, a charity that supports pediatric cancer research. She also volunteers for a variety of other local causes.

Kristina Watts
Vice President, Business Relationship Banker

NMLS #795306

Kristina joined the bank in January 2004, bringing 17 years of general merchandising, service management and training experience from her home state of Vermont. She earned an American Institute of General Banking degree in 2010.

Kristina assists the bank’s business customers with a variety of financial solutions, ranging from small business loans and commercial real estate loans, to merchant services and convenience banking. Her availability and willingness to help business owners and nonprofits earned her the sobriquet “Watts on Demand.”

A longtime member of the Englewood Florida Chamber of Commerce, Kristina is a 2009 graduate of Leadership Englewood. She chaired the chamber’s Leadership Committee in 2017 and served as Leadership board liaison.

Kristina serves on the board of directors of both the chamber and the Englewood Rotary, which awarded her the Leo “Pete” Cypher Service Above Self Award and President’s Award and named her a Paul Harris Fellow +1 for her contributions to the Rotary Foundation. A graduate of the Rotary Leadership Institute, she currently serves as club treasurer.

She also serves on the board of directors of Boca Cares, a philanthropic organization comprised of residents, friends, and business partners of the Boca Royale Golf and Country Club.  Since its formation in late 2018, Boca Cares has awarded over $170,000 in grants to more than 25 local charities in the Englewood and Venice area.

Michelle Ravagni
Vice President, Retail Banking Officer - Englewood

NMLS #795313

Michelle began her career in in the community banking industry in her home state of Massachusetts in 1985. She started out as a Teller, then worked her way up to her first management position in 1991.

She relocated her family to Florida in 2004 and joined Englewood Bank & Trust two years later. She initially made up part of the bank’s “float team,” filling in as needed as a Teller or Customer Service Representative. She subsequently became a Senior Teller, and in mid-2007 she was named Gulf Cove Office Branch Manager.

Michelle holds certifications in branch management and consumer lending. She is a 2010 graduate of the Englewood- Cape Haze Florida Chamber of Commerce’s Leadership Englewood Program. She has served on numerous Chamber committees, including the membership committee and Pirate Poker Run committee, and has participated in various other fundraisers.

Becky Leake
Vice President, Retail Banking Officer - Venice

NMLS #817748

“I love Venice,” declares Becky, which combined with her banking experience makes her the perfect fit to serve as Retail Banking Officer at Englewood Bank & Trust’s new Venice branch office. She has been a part of the Venice community since 1990, moving to the city from New Jersey when she was in the sixth grade.

Becky graduated from Venice High School in 1997, attended Manatee Community College, took a Dale Carnegie self-improvement course, and completed numerous banking-related classes. She has been involved in the banking industry in the Venice market since 2000, advancing from teller, to personal banker, to assistant vice president/office manager, to vice president and branch manager.

Actively involved in her community, Becky joined the Venice MainStreet Board for 2022. She has served in many volunteer positions at Garden Elementary, Venice Middle School, and Venice High School. She annually volunteers to work with teachers and students on the VHS Project Graduation program.

Becky and husband, Brian, have two “beautiful children." In her spare time, Becky enjoys being with her family, traveling, and reading.

Charlene Dorio
Assistant Vice President, Retail Banking Officer - Retail Support Team

NMLS #795311

Charlene moved here from San Diego in 1999 and joined Englewood Bank & Trust in September of that year. She served as a Customer Service Representative prior to being appointed manager of the main office and later the Rotonda/Cape Haze office. She now serves as Retail Banking Officer to support the retail banking teams at each branch location.

In California, Charlene attended Grossmont College in El Cajon and served as manager of Tinder Box International.

Active in the Englewood Florida Chamber of Commerce, Charlene served as co-chair of the membership committee from 2009 through 2011 and was a member of the Manasota Mystique Committee from 2012 through 2019.  She graduated from Leadership Englewood in 2018 and co-chaired the program in 2019 and 2020.

Charlene served on the YMCA Tropical Nights committee from 2010 through 2017. In 2017, she graduated from the Charlotte County Citizens Police Academy. Her community involvement also included serving on the board of Englewood Helping Hand from 2011 through 2013, participating in the Habitat for Humanity Women’s Build in 2017 and 2018,  volunteering with the Suncoast Humane Society, and being a Rotarian and Rotary Director from 2017 through 2020.

Alison Henderson
Assistant Vice President, Retail Banking Officer - Rotonda/Cape Haze and Gulf Cove

NMLS #912317

Alison is a native of Michigan, where she attended Lansing Eastern High School and Lansing Community College. She worked for the state of Michigan, serving in the Property Tax Division of the Department of the Treasury. She also managed a popular sports bar in Dewitt, Mich.

She came to Southwest Florida when her husband’s company transferred him here. She was hired by Englewood Bank & Trust in 2007, serving initially as a part-time Teller, then becoming a full-time Teller, Customer Service Representative, and Branch Manager of the Boca Grande office. She is now the Retail Banking Officer for the Rotonda/Cape Haze and Gulf Cove branch offices.

Heavily involved in the community, Alison joined the Boca Grande Chamber of Commerce and Boca Grande Garden Club. She soon became a director and served as treasurer for each organization. For 10 years, she has volunteered with two Chamber tarpon fishing tournaments – the World’s Richest Tarpon Tournament and the Ladies Day Tarpon Tournament. Her team won the latter event in 2019.

A member of Boca Grande Garden Club Leadership Team, Alison is chairing this year's "Deck the Halls" luncheon event. She is a past member of the Boca Grande Historical Society and participated in the Island School Shootout golf tournament benefiting Lee County’s first charter school

Gretchen Holla
Assistant Vice President, Retail Banking Officer - Boca Grande

Lory Weisensee
Executive Vice President, Director of Trust and Wealth Management

Lory manages the Trust and Investment Management Services division to help coordinate the diverse services provided. She has been involved in banking and finance since 1990. Her management and operations experience gives her the resources necessary to lead a team of professionals offering banking and trust products and services with a high degree of personal attention.

Lory is a graduate of:

• Florida Bankers Association’s Graduate School of Banking, University of Florida, Gainesville
• Florida Bankers Association’s Trust School, University of South Florida, Tampa
• Leadership Charlotte Class of 2003, sponsored by the Charlotte County Chamber Of Commerce

In addition, Lory has earned both the Florida Certification and National Certified Guardian designations. She serves on the Executive Committee for the Florida Bankers Association’s Trust and Wealth Management Division, volunteers with Tidewell Hospice and serves as a member of the Military Heritage Museum.

Samuel Kiburz
Senior Vice President, Chief Investment Officer

Samuel manages the individual investment holdings of his clients, including individuals, families, foundations, and institutions throughout the State of Florida. He has been involved in banking since 1996 and has more than 20 years experience working in wealth management.

Samuel's education includes:

• Bachelor of Science in Business Administration from the University of Florida, Gainesville
  Degrees in Finance and Insurance with a Minor in Economics
• Master of Business Degree from Florida Gulf Coast University, Fort Myers
  Concentration in Finance, graduated Cum Laude

He has held the following licenses:

• Series 7 – General Securities (stocks, bonds, mutual funds)
• Series 6 – Investment Company / Variable Contracts
• Life, Health, and Variable Annuity License in Florida

Samuel is a member of the Punta Gorda Police Officers’ Pension Board and the Charlotte County Estate Planning Council . He is an Eagle Scout and serves as Scoutmaster for Troop 95 of the Boy Scouts of America.

• Board of Directors of the Charlotte County YMCA
• Vice Chairman and Investment Committee Chairman of the Cape Coral Community Foundation
• Executive Board of Directors and Finance Committee Chairman of the Lee County YMCA
• Board of Directors of the Endowment Committee for the YMCA of the Palms
• Board of Directors of the Naples Area Board of Realtors Commercial Committee
• Board of Directors of the Charlotte Community Foundation

Gregory Thomas
Vice President, Portfolio Management Services

Greg manages the investment holdings of clients via their trusts, IRAs, or individually titled accounts. He also manages assets for private foundations and nonprofit organizations throughout the state of Florida.

Greg graduated from Mercy College in New York with a bachelor’s degree in government in 1988. He began his career in computer and internet technology in New York City and operated his own consulting and support firm in the early 2000s. He entered financial management in 2009.

Greg’s professional background includes:

• Senior Financial Advisor
• Practice Management Development (PMD) Graduate
• Associate Team Leader, Whole Foods Market, Westport and Greenwich, CT
• Owner-operator, Westchester Computer Systems, Peekskill, NY

In addition, Greg has held the following licenses:

• Series 7 – General Securities (stocks, bonds, mutual funds)
• Series 66 – Uniform Combined State Law for securities agent and investment advisor
• Life and Health Insurance sales in Florida and North Carolina

Brittney Anderson
Vice President, Client Services

Prior to joining Trust and Investment Management Services, acquired a wealth of banking and financial experience in a variety of positions involving operations, investment management, and retail and customer service.

Brittney was promoted to Vice President, Client Services in early 2022. She assists in managing individual investment holdings of clients. She works with the Investment Management Team to monitor market conditions, identify objectives, preferences and circumstances to develop specific investment policies for investors. Brittney provides oversight and monitors managed model portfolios to reflect significant change in any or all relevant variables as well as assisting in business development activities.

Brittney has an Associate Degree in Business from the University of Central Florida, specializing in Accounting and Finance. She has earned the American Bankers Association Trust Officer designation and is working toward achieving her Certified Trust Financial Advisor (CTFA) designation. Brittney is a native of the Port Charlotte area and is actively involved in the local community through autism awareness associations and performing arts enrichment programs.

Rich Emch
Vice President, Trust Administrative Officer

Rich utilizes more than 30 years of experience in banking, finance, and investment management to help ensure his clients achieve their desired financial objectives for themselves and their heirs.

Education:

• Associate of Liberal Arts, Cuyahoga Community College, Cleveland, OH
• Bachelor of Arts in Communication, Cleveland State University, Cleveland, OH
• Master of Business Administration (MBA), Baldwin-Wallace College, Berea, OH
• CFP Professional Education Program, College for Financial Planning,
• Graduate School of Banking, Louisiana State University, Baton Rouge, LA
• Leadership Institute, Gulf Coast Community Foundation, Venice, FL
• Enrolled Agent, EA Certification Program
• Raymond James Advisor Mastery Program
• Certified Plan Fiduciary Advisor Program
• Leadership Englewood Class of 2008, founding chair, sponsored by the Englewood Chamber of Commerce
• Leadership Charlotte Class of 2001, sponsored by the Charlotte County Chamber of Commerce

In addition, Rich has held the following:

• Series 7- General Securities (stocks, bonds, mutual funds) Representative License
• Series 9 and 10 - General Securities Sales Supervisor License
• Series 66 - State and Federal Regulations Agent License
• Life, Health and Variable Annuities
• State of Florida Insurance: Life, Health and Variable Annuities

Rich is a past president of the Economic Development Council of Charlotte County, Port Charlotte Toastmasters, Charlotte County Habitat for Humanity and the Rotary Club of Murdock.

Dotti Giradi
Vice President, Trust Officer

As a Trust Officer, Dotti works with new and existing clients to serve as a point of contact to ensure that trust and investment management documentation is properly administered and that her clients’ wishes are carried out.

A native of Cambridge, Mass., Dotti moved to Florida in 1989 and joined Englewood Bank & Trust as a member of the Trust and Investment Management Services team in 2019.

Education and certifications:

• Graduated with honors from Eckerd College, St. Petersburg, FL, earning a Bachelor’s Degree in Business Management with a minor in Marketing
• Cannon Trust School Graduate, 2001
• Certified Trust and Fiduciary Advisor (CTFA), Florida Bankers Association
• Series 7 (General Securities - stocks, bonds, mutual funds- Representative License)
• Series 31 (Managed Futures Funds license)
• Series 63 (Uniform Securities Agent license)
• Series 65 (Registered Investment Advisor)

Dotti is active in the Sarasota Chamber of Commerce. She has two adult children and one grandchild. 

Shirly Osuba
Vice President, Trust Officer

When Shirley joined Englewood Bank & Trust in 2019, she brought 25 years of experience in Trust and Finance to her new role as a Vice President and Trust Officer. She began her career as a probate paralegal for a prominent Sarasota, Fla., Law firm, then served as a Personal Trust Specialist a Trust Officer for a pair of major financial institutions.

Education and certifications:

• Bachelor of Science in Education degree from Millersville University, Millersville, PA
• Cannon Trust School for Trust I, II, and III
• Graduate Trust School
• Certified Trust and Fiduciary Advisor (CTFA)

Shirley grew up in the Philadelphia area and moved to Florida in 1989. She is a Foundation Board member and Operating Board member of Easter Seals of Southwest Florida, also known as Happiness House.

Angie Misner
Trust Officer

Angie has more than 10 years of banking and financial experience. She has worked in the real estate industry and has experience in retail and trust operations. She has completed all three years of Trust School through the American Bankers Association and is pursuing her certification as a Trust and Financial Advisor.

Angie works with new and existing clients, serving as a point of contact, ensuring that trust and investment management is properly administered to her client’s wishes. Her responsibilities include trust administration, retirement planning, investment management, developing asset protection strategies, addressing tax and estate planning issues, and implementing plans to reach clients’ goals.

Angie volunteers on behalf of many organizations, including Give Kids the World through the Make-A-Wish Foundation.

Kerry Hunter
Business Development Officer

An experienced member of the Trust and Investment Management Team at Englewood Bank & Trust, Kerry is responsible for developing new client relationships, assisting those with Living Trusts, IRA Rollovers, Investment Management Services and Charitable Giving Strategies.

Education:

• Bachelor of Arts degree in Communication Studies at Rowan University in Glassboro, NJ.
• Graduate of Florida Bankers Association’s Trust & Wealth Management School.
• Graduate of Leadership Englewood.
• Has held Life, Health, and Variable Annuity Licenses in Florida.

Kerry served as Assistant Vice President and Branch Manager for a Sarasota bank from 2003 to 2006, then joined Englewood Bank & Trust as a Retail Banking Officer at the bank’s Boca Grande office.

Well known for her active, volunteer spirit, Kerry served as Treasurer and two-term President of the Boca Grande Area Chamber of Commerce, and Treasurer of the Venice Area Chamber of Commerce. She has chaired the Boca Grande Chamber’s Ladies Day Tarpon Tournament, the Boca Grande Christmas Walk, and the Englewood Bank & Trust United Way Committee.

Chris Eckstrom
Portfolio Manager

Chris Eckstrom, MBA, joined Crews Banking Corp. in early 2021 as a portfolio manager in the Trust and Investment Management Services division, serving clients at both Englewood Bank & Trust and Crews Bank & Trust. Originally from Jamestown, N.Y., Chris spent 13 years in Charlotte, N.C., before moving to Florida in 2007.

Education

• Master of Business Administration (MBA) degree, with a concentration on finance and accounting, St. Bonaventure University in New York
• Bachelor of Science degree in aeronautics, with a concentration on management, Embry-Riddle Aeronautical University in Daytona Beach, Fla.

Experience:

• Served as a vice president and senior fixed income portfolio manager for a major financial institution.
• Demonstrated an expertise in asset management of tax-exempt and taxable securities for institutional and high net-worth clients
• Former Treasury Analyst for Sarasota County

Chris and his family reside in Lakewood Ranch near Sarasota. 

Cupp Nguyen
Vice President, Trust Officer

With designations of Certified Financial Planner (CFP®), Accredited Estate Planner (AEP®), and Certified Trust and Fiduciary Advisor (CTFA), Cupp joined Charlotte State Bank & Trust in early 2022, bringing decades of experience in guiding clients in their estate planning to help them achieve their financial goals and create a legacy for their families.

Cupp began her banking career in 1992 in Boston, where she held in positions trust and estate administration and financial planning. She graduated Summa Cum Laude with a Bachelor of Science Degree in Finance from Northeastern University in Boston and from both the American Bankers Association National Trust School and Graduate Trust School at Northwestern University, Evanston, Illinois.

She has held the following licenses:
Series 7 - General Securities (stocks, bonds, mutual funds)
Series 6 - Investment Company / Variable Contracts
Series 65 - Registered Investment Advisor
Series 66 - Uniform Combined State Law for securities agent and investment advisor

Cupp is a member of the Charlotte Estate Planning Council.