David Watkins is a Community Business Banker helping entrepreneurs access capital and resources to grow their businesses and strengthen their financial foundation. He has helped deliver millions in grant funding to support small businesses and community development, earning honors like the Spirit of Detroit Award and the Community Spirit Award for the State of Michigan.
Artina Packnett is a Detroit native who leads the Fitzgerald branch just miles from where she was born and raised. As Banking Center Manager, she brings over 15 years of experience and a deep commitment to the community she proudly calls home. Artina is actively involved in local leadership, serving as Chair of the Fitzgerald Community Advisory Board, Secretary of the Wayne County CRA Association, and a member of the Livernois McNichols Neighborhoods Action Working Group (LMNAWG). Recognized in 2025 by Native Detroiter Magazine for her volunteerism and civic impact, Artina doesn’t just work in Detroit—she works for it.
Sean Murnane is a Community Home Lending Officer with more than 20 years of experience, focused on making the mortgage process clear, smooth, and enjoyable. He leverages a wide range of loan programs to guide clients to the best fit for their needs. A Central Ohio native and cancer survivor, Sean is actively involved in the community and serves on several local nonprofit boards. He is passionate about helping clients achieve their homeownership goals while building lasting relationships.
Tonjola Cole has over 20 years of experience helping people become homeowners. As a Community Home Lending Officer, she’s driven by purpose to help clients build financial stability and generational wealth. Tonjola specializes in navigating down payment assistance and grant programs, and is known for helping clients secure available funds to make homeownership more affordable and accessible.
Tiffany Whitner is a Senior Community Business Banker offering strategic guidance and customized financial solutions to small businesses and entrepreneurs. Tiffany is especially passionate about supporting minority-, women-, and veteran-owned businesses, ensuring they have equitable access to the resources they need to succeed. Her impact has earned community recognition, including 2026 Business Champion of the Year by NAWBO Columbus and honors from Mahogany Columbus and the Women’s Center for Economic Opportunity.
Rebecca serves as the Director of SBA Operations and Compliance for First Merchants Bank, where she leads operational integration, compliance governance, and risk management initiatives. With more than 10 years experience in business lending, Rebecca is committed to expanding access to capital for entrepreneurs and helping small businesses grow, create jobs, and strengthen the communities they serve.
She joined First Merchants in 2013, and, from April 2020 through May 2026, Rebecca managed the bank's SBA and Government Lending Programs department. During that time, she led the origination of one of the nation's first SBA Working Capital Program loans and played a key role in launching innovative government-guaranteed lending programs, including SSBCI-supported initiatives across Indiana, Michigan, and Ohio.
Rebecca currently serves as Chair of the National Association of Government Guaranteed Lenders (NAGGL) Small Lender Central Committee and was a nominee for the 2025 Emerging Leader of the Year Award.
Angela Cotton serves as Vice President Small Business Lending Closing for First Merchants Bank and is a practiced hand at helping small businesses succeed. With more than 27 years in small business lending, she works to develop high-performing teams through mentorship, collaboration, and open communication. In turn, these teams provide exceptional service, helping clients access the capital they need to grow and prosper.
Angela started her career in 1999 with Bank OZK, where she held numerous leadership roles and became one of the first members of the bank’s new SBA team. From there, she moved to Simmons Bank, where she served in the SBA department. Prior to joining First Merchants, she served as Senior Vice President Closing and Construction Manager with Phoenix Lender Services.
She holds a Paralegal Certification from the University of Arkansas and serves as a board member for the Arkansas Chamber Singers.
Gino has over 5 years of banking experience. He joined the Bank in 2022 as an NNN Finance Credit Analyst and prior to joining the Bank, he served as a Lease Analyst for the Simon Property Group. He has underwritten over $200 million of closed loan transactions for the Program. He is a 2020 graduate from Indiana University where he earned a Bachelor of Science degree in Finance.
Rose has over 7 years of banking experience. She joined the Bank in 2019 and joined the NNN Finance Team in May 2020 as an NNN Finance Credit Analyst. She has underwritten over $400 million of closed loan transactions for the Program. She is a 2019 graduate from Indiana University Southeast where she earned a Bachelor of Science degree in Business Administration with an emphasis in Accounting.
Sarah has over 21 years of banking experience. She joined the Bank in 2005 and had served as a teller, head teller and customer service representative before joining the NNN Finance Team as the NNN Finance Servicing Specialist in February 2020. She has assisted with servicing over $580 million in closed loan transactions and services all depository relationships associated with the Program. She is a 2005 graduate of Indiana University Southeast where she earned an Associate Degree in Business.
Ronnie has over 15 years of banking experience. He joined the Bank in 2018 as an NNN Finance Credit Analyst, has served as the NNN Finance Credit Manager since March 2020, and has underwritten over $400 million of closed transactions for the Program. He is a 2011 graduate of Morehead State University where he earned a Bachelor of Science degree in Business Administration with an emphasis in Accounting.
Tori has over 18 years of banking experience and joined the NNN Finance Team at the inception of the Program in 2013. In addition to overseeing all aspects of the Program, she has closed and serviced all of the Program’s $1.1 billion in loans and all associated deposit accounts. She is a 2008 graduate from the University of Southern Indiana where she earned a Bachelor of Science degree in Business Administration with an emphasis in Management and a minor in Marketing.
Sean has over 25 years of commercial real estate lending experience, closing over $1.1 billion of transactions. He joined the Bank in January 2013 and started the NNN Finance Program. Under his direction and its guiding principles, the Program has experienced explosive growth. Sean has participated as a debt panelist speaker at 20 net lease conferences since 2009. He is a 1991 graduate of John Carroll University where he earned his Bachelor of Business Administration, with an emphasis in Marketing.
Bill Sweeney has been focused on small business lending for 17 years and has 23 years of banking industry knowledge. Residing in Pompano Beach, Florida, Bill has a proven track record in helping small businesses with SBA financing and works to forge a prosperous relationship for business owners after funding. His roles as a Branch Manager, Small Business Banker, and Commercial Banker at prominent organizations such as Wells Fargo, SunTrust, Regions, and Hanover Bank have provided him with extensive banking and lending knowledge. Bill graduated from ITT Tech where he obtained his Associate’s degree in Electronic Engineering and went to Florida Atlantic University to further his studies. Demonstrating a deep commitment to his community, Bill’s involvement includes 25 years with the American Legion S.A.L. (serving as Commander for the last 7), 28 years as a dedicated youth sports coach, and his current role as treasurer for a local high school baseball club.
Mindy Stodart is a versatile and solutions‑driven resource for entrepreneurs whose small businesses are experiencing rapid growth and need access to capital. She has over eighteen years of experience in sales with a focus on small business lending during the last six years. Throughout her career she has driven market share in everything from payroll services to pharmaceuticals. As a small business owner herself, operating an art and framing shop, Mindy has firsthand insight into the challenges entrepreneurs face, including managing cash flow, scaling operations, and navigating complex financial decisions. This personal experience fuels her passion for helping business owners secure the funding they need to grow with confidence.
John Reda started his professional journey as an analyst for Nova Capital Global Partners in Investment Banking. In 2020, he jump-started his SBA career as a Business Development Associate at First Bank of the Lake, focusing on building strong relationships and supporting clients’ access to capital through government-guaranteed lending programs. John holds a Bachelor of Science in Criminology from SUNY Cortland, where he strengthened his skills in research, critical thinking, and problem‑solving - all of which he brings into his work with small business clients today. Through his industry experience and financial services background, he continues to focus on making it more possible for business owners, ensuring profitable growth, operational excellence, and exceptional customer service.
Dave Hrabrich joined the SBA team as Vice President and Business Development Officer. In this role, Dave is responsible for helping franchisees access SBA loans to grow their businesses, cultivating franchisor relationships, and capitalizing on his strong track record in the franchise arena.
Dave has over 25 years of experience in the franchise finance industry with both conventional and government-guaranteed lenders including: Merrill Lynch, National Franchise Acceptance, Byline Bank, and First Bank of the Lake. Over the years, he has underwritten, credit approved or originated over $750 million in funded capital to franchise owners/operators for acquisitions, refinancing, new unit construction and major renovations. Dave has also personally benefitted from the SBA 7(a) loan program when he was a two-unit franchisee for Sport Clips.
“As a previous franchisee and with my well-rounded franchise background that includes working directly with upper management of franchisors to design specialized loan programs and reliable lending to franchisees directly, I can relate to my borrowers’ challenges and opportunities. I provide solutions and structure the right loan for their stage of development,” says Hrabrich. “I put my years of experience to work helping entrepreneurs grow their brand’s units, and I enjoy the privilege of helping them succeed.”
Hunter Myers began his banking career in 2017 as a teller at First Savings Bank, where he embraced the institution’s “Customer First” approach to delivering outstanding service. Over the past seven years, he has advanced to the role of Business Development Officer for the Bank’s SBA Division. Hunter’s passion for the banking industry is further accentuated by his impressive academic achievements.
He holds undergraduate degrees in Banking & Finance, Managerial Finance, and Real Estate from the University of Mississippi. During his tenure at Ole Miss, he served as Service Chairman of Phi Kappa Psi Fraternity, organizing community outreach and charitable events. While pursuing an MBA from the University of Louisville, he joined the bank’s SBA Division as a Business Development Associate. In this role, Hunter worked closely with the established Business Development Officers to streamline the loan funding process. Upon completing his MBA, Hunter was promoted internally to Business Development Officer, where his strong problem-solving skills prove invaluable in providing entrepreneurs with the necessary financing to achieve their business goals.
Greg has been in the banking industry since 2003, bringing more than two decades of experience to his role. He focuses on small business lending and joined the team in 2021, where he works closely with entrepreneurs to help them access the capital they need to start, grow, and sustain their businesses.
Greg spent the first fifteen years of his career in New York City, gaining valuable experience in a fast-paced financial environment before relocating to Dallas, Texas with his family. This diverse background allows him to understand the unique needs of business owners across a wide range of markets. He specializes in SBA lending, serving clients from the Midwest to the East Coast, and is known for guiding borrowers through the process with clarity and efficiency.
When he’s not helping entrepreneurs bring their visions to life, Greg enjoys hitting the open road with his family, always on the lookout for the next adventure.
Colin McNulty’s career in the banking industry started in 2005. In 2012, he found his passion for SBA lending and has been helping small businesses unlock their full potential. Prior to joining the team, Colin worked at several community banks spanning 7 years where he learned how to provide outstanding customer service. After working for several community banks, Colin started working at The PrivateBank/CIBC for 10 years. Colin has worked as a commercial and SBA producer for most of his career, which gave him the knowledge and experience to focus on customer service and provide each client with a broad range of options to meet their needs.
In 2012, Colin was recognized as a top producer for both SBA and conventional loans at CIBC. Through his accomplishments, he navigated a team of lenders and led them each to prosper in their roles. Making connections is one of the many special talents of his, as he has developed a national network of brokers and business professionals.
Colin’s mantra is it’s not the number of closings he achieves, but the response he gets from the clients he closes with.
