Executive Management Team
Eric is both President & CEO of West Town Bank & Trust and its parent company, Integrated Financial Holdings, Inc. ("IFH" formerly known as West Town Bancorp, Inc). In his roles, Eric establishes the overall vision and strategic direction of IFH and all of its wholly-owned subsidiaries. Eric is a Member of the North Carolina State Banking Commission that supervises, directs and reviews the activities of the Office of the Commissioner of Banks and serves as a Member of the Board of Directors at Dogwood State Bank. Eric’s prior experiences include Advisory Board Member of the Federal Home Loan Bank of Chicago, CEO of Morehead City-based Sound Bank, President & CEO of New Vision Mortgage, President of Anova Financial Corporation and Senior Vice President & Chief Operating Officer of OBA Bank. Throughout his 30-year career in the banking industry, Eric has been active in establishing, acquiring, selling and recapitalizing banks and other financial services companies, as well as being the lead organizer of a de novo bank. Eric earned a Bachelor’s and Master’s in business from The University of Alabama.
Melissa is the Chief Operating Officer of West Town Bank & Trust and has been with the Bank for over a decade. In addition to overseeing all aspects of Operations, she's responsible for helping the Bank build a program uniquely tailored to the challenges of hemp-related businesses. Melissa and her team of Commercial Account Service specialists are dedicated to designing cash management solutions for the Bank's business customers. Through the Bank's partnership with VeriLeaf, Melissa and her team help to provide a first-class onboarding and client experience that reduces the time to open an account from weeks to a matter of hours.
Riddick joined West Town Bank & Trust in 2011 and leads the Bank's Government Guaranteed Lending division. Providing strategic and business development oversight, Riddick is responsible for all SBA and USDA front-end loan production, including pricing, creative structuring,product diversity and strategic partnerships. Riddick and his team have helped provide over $1 billion in loans to more than 500 entities. Riddick's primary niche has been within the solar electric power generation space through USDA's Rural Energy of America Program (REAP). Riddick graduated from North Carolina State University and has over 20 years of experience in the banking industry.
Joshua graduated from Washington University School of Law in 1989. Since that time, Josh has been a banking lawyer in Chicago and New York and currently serves as Managing Director of SBA Loan Documentation Services and oversees Legal, Compliance and HR departments for West Town Bank & Trust. For more than 30 years, Josh grew and maintained a national banking practice whereby he represented hundreds of banks, credit unions, loan service providers and institutional note buyers on a wide spectrum of banking and SBA issues. Josh has been recognized and approved as a “Leading Lawyer” by his peers in Illinois for nine straight years, a distinction earned by fewer than 5% of all lawyers registered to practice in Illinois.
Steve has nearly 30 years of banking experience and recently joined the IFH family of companies in 2019. In addition to overseeing the audit function and IT for West Town Bank & Trust, he is responsible for the financial management of the Holding Company and the Bank and also spearheads efforts related to the Patriarch Initiatives. Prior to his tenure, Steve was the Chief Financial Officer at Paragon Bank (now Towne Bank) and Chief Accounting Officer at Capital Bank Financial Corporation, working to help develop strategies to maximize shareholder value. He also spent time as an Audit Manager at McGladrey. He serves as an Executive Board Member and past Director of Finance for the Boy Scouts of America and holds a degree in Accounting from North Carolina State University.
Earl has over 18 years of banking experience and recently joined West Town Bank & Trust to oversee and manage all aspects of the Bank's lending functions. This includes supervision of all department managers within government lending, loan operations, credit administration and underwriting, while ensuring each vertical operates in accordance with established policies, procedures and legal requirements. Earl earned his MBA from Auburn University and his undergraduate degree from the University of North Carolina at Pembroke. Prior to West Town Bank & Trust, Earl was a Regional Credit Officer at Fidelity Bank and held various sales and credit roles at BB&T.
Mike serves as President and CEO of Windsor Advantage, LLC and as Interim-President at Glenwood Structured Finance, LLC, two of IFH's wholly-owned portfolio companies. He also serves as an Executive Vice President at IFH, Inc. and West Town Bank & Trust. Prior to joining the IFH family, Mike was a Senior Management Consultant with KPMG where he gained extensive experience working with diversified financial firms to implement efficiencies and risk management strategies. He began his career with PNC Capital Markets and graduated with honors from Miami University of Ohio with a degree in Finance and Accounting.