Pam started her career at Cowger & Miller Mortgage Company in 1988 and eventually moved on to Citizens Fidelity Bank Mortgage Division now known as PNC Bank. During her 10 years at PNC she managed a large Customer Service Call Center before becoming Vice President over the Post Closing/Release Department. After three years of loan processing and originating with Bankers Mortgage Corporation she began a new career managing the Bank Loan Operations at PRP National Bank, a community bank now known as Forcht Bank where she spent another 12 years. With her extensive mortgage experience she successfully opened a full secondary market mortgage division within the company providing a strong revenue source and expansion to the bank. In 2013 Pam joined Commonwealth Bank & Trust as Vice President of Business Development where she wears many hats working with Operations and Originations and Third Party Lending to ensure quality results for the company.
Valerie joined Commonwealth in 2012 and brings with her 40 years of experience in the mortgage industry. Prior to Commonwealth, Valerie managed mortgage operations for Stock Yards Bank and was responsible for one of the largest regional processing centers for National City Mortgage. As Operations Manager, she is responsible for processing, underwriting, closing, disbursing, post-closing, quality control, systems and training. Valerie is one of those unique individuals who strikes the right balance between the needs of the sales staff while protecting the product quality we sell to investors. She is very involved with monitoring production levels and making necessary adjustments to ensure a smooth workflow at a maximum output. Valerie works closely with the mortgage sales team to ensure we can deliver on our industry leading service promise we make to everyone involved in a mortgage transaction. Put simply, if there is a way to get a loan closed and satisfy the customer, Valerie will find it.
Kelly comes to Commonwealth with a wealth of experience in the mortgage industry and 30 years of combined experience in the financial industry. He was an integral part of opening a mortgage office in Louisville, KY in 1996. In that office, he spent 7 years in sales as a Sr. Area Manager with territories in Kentucky and Indiana. He transitioned to another office in July 2003 where he opened the subprime division. When the market began to change in 2006, he moved into the role of Vice President of Secondary and Capital Markets. From here, he took on the role to oversee the following areas: capital markets, appraisals, loan sale, investor relations and post-closing. He was also involved in many other areas of the business as well until it closed in December of 2019.
Kelly has been married to his wife Jean for almost 29 years. He has two daughters, two sons-in-law and a new granddaughter, all of whom are the lights of his world. He likes to spend time with family and also enjoys spending time with his four legged friend, his dog Ripley. During his spare time, he likes to go hunting, fishing and on warm days, swimming in his pool. During the winter months, if you don’t see him in the office, he is most likely in the outdoors hunting.