Prior to joining First American in December 2008, Bob held credit management positions with Alter Moneta Corporation and HSBC Bank. He has also held various commercial banking positions with both HSBC Bank and Chase Manhattan Bank. With 25 years of combined banking and commercial finance experience, Bob brings a high level of understanding to managing the credit function. Bob holds a Bachelors of Science from Ithaca College. He currently resides in Buffalo, NY with his wife Deb. Bob and Deb have a daughter, Courtney, who resides in Fort Myers, Florida.