John’s professional career has included being a CPA with KPMG, a financial advisor with Wells Fargo Advisors and 25 years in the mortgage business including Executive Vice President, Retail Division for National City Mortgage when they were a top 10 national lender. Recently John completed the requirements to become a Certified Mortgage Banker, 1 of only 8 in the state of Kentucky. John joined Commonwealth in November 2011 as Executive Vice President, Mortgage Lending. His intense focus on operational efficiency and delivery of a superior customer experience has resulted in Commonwealth realizing significant growth during his tenure. This growth has included the opening of 5 new mortgage loan production offices in Indiana and Kentucky over the last 18 months as well as Commonwealth becoming the 4th largest residential lender in the Louisville market.
We believe in building a team of experts who have your best interests at heart. With a wealth of financial knowledge and a passion to create success, we give you the same service and attention we would give to our own families. This page shows how we’ve structured our team to ensure you always receive the most efficient, personalized service.
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.
Jim entered the mortgage business in 1975 immediately after a 3 year tour in the ARMY. Jim oversees and directs the secondary marketing operations as Vice President, Director of Secondary Marketing. Throughout his career, he has managed mortgage pipeline interest rate risk, trading, hedging, pooling, loan and servicing sales, pricing, margin management, lock desk, investor relation, product development and agency delivery. Residential mortgage lending is the only field in which Jim has ever been employed; it is his lifelong passion and career. Over the years, Jim has coached many mortgage employees and assisted thousands of people with mortgage financing. Jim strongly believes home ownership is an important part of the American Dream.
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.