Meet The CFG Team

Founder

John W. “Jack” Dwyer

Owner, Chairman of the Board

Jack Dwyer founded Capital Funding Group in 1993. He has been involved in the financing of more than $5.2 billion in FHA-insured healthcare mortgages. Over the past 15 years Mr. Dwyer has formed Capital Health Group, LLC, a self-advised real estate company that focuses on independent, assisted living and memory care facilities; Capital Lending and Mortgage Group, LLC, a healthcare bridge lending company; Capital Hospital Finance Group. LLC., a merchant banking and advisory division focused on providing financing for acute care and specialty hospitals; Capital SeniorCare Ventures, LLC, a company that acquires skilled nursing facilities in order to lease them back to operators; Capital Financial Ventures, LLC. the GNMA sales and delivery advisor to Capital Funding, LLC; CFG Capital Markets. LLC, a fully-registered (FINRA/SIPC) Investment Banking and Securities firm focused on providing capital raising solutions for taxable and tax-exempt issuers, and investment advice for institutional investors; and Capital Spend Management. LLC, a web-based purchasing management and consulting service to the long-term care industry. Mr. Dwyer is an owner and serves as a board member of Milestone Retirement Communities, LLC.

 

In 2009, Mr. Dwyer formed Capital Funding Bancorp, Inc. and through it led the acquisition of AmericasBank Corp. and its subsidiary, AmericasBank. AmericasBank underwent a name change in November 2009 and is now known as CFG Bank. Subsidiaries of CFG Bank include Capital Finance, LLC (formed in 2005), the only working capital/accounts receivable lender focused exclusively on skilled nursing and hospitals; as well as Capital Funding, LLC (formed in 1993), under which the HUD origination, underwriting, processing and servicing departments are housed.

 

Mr. Dwyer received his B.S. in Business Administration from Widener University and is a Certified Public Accountant.

Leadership Team

We're here to support you and give you the knowledge you need to successfully manage your business or personal banking accounts. “At CFG Bank, we believe in an excellent level of service and commitment to our customers to provide them with the highest standards in banking, both personal and business. We are always investing in new resources to keep up with our customers and give them a unique and dedicated banking experience.” Jack Dwyer, Owner

William C. “Bill” Wiedel, Jr

CEO & President

With over 37 years of banking and accounting experience, Bill Wiedel has a broad range of financial expertise, including acting as CFO of multiple public community banks, CFO of a mortgage subsidiary, and vice president and divisional controller of a regional bank.

 

At his previous position at CFG Bank, Bill  led the recent effort to raise $40 million in debt offerings. In addition, he managed an effort to restructure and cut $2 million in expenses to return the core bank to profitability, improved liquidity management which generated improved earnings, oversaw an effort to install an asset liability management system and led a project team to upgrade online banking and implement a mobile-banking product.

 

Prior to joining CFG Bank,  he  served as senior vice president and CFO of the Patapsco Bank. In this role, he quadrupled the size of the investment portfolio necessitated by low loan demand as well as designed a money market promotion that doubled the product’s balance. He also served as senior vice president and manager of Financial Planning and Analysis for Provident Bank of Maryland, senior vice president and CFO of Provident Mortgage Corporation and manager at Ernst and Young.

 

Wiedel is a graduate of Loyola College, where he earned both his M.B.A (Sellinger School of Business) and B.A. in Accounting. He most recently served on the Board of Directors, Executive Committee and Treasurer for Athletes Serving Athletes as well as the former Chairman of the Finance Committee for Our Lady of Grace School and participates in Big Brothers.

 

Wiedel, a resident of Lutherville, is an avid music buff and enjoys tennis, golf and biking.

Deb
Deborah Spangenberg

President, Capital Funding & Capital Finance, Vice Chairman of the Board

Deborah Spangenberg

President, Capital Funding & Capital Finance, Vice Chairman of the Board

Deborah Spangenberg began her career in healthcare finance in 1988. Currently, she holds the position of President of Capital Funding, LLC and Capital Finance, LLC., the two Bank subsidiaries. In addition, she is an Executive Vice President of CFG Bank and serves as Vice Chairman of the Board of Directors of the Bank. She is also on the Board of the Bank Holding Company. In addition to healthcare, she has a background in human resources and marketing.

Duncan Smith

Chief Financial Officer

Duncan Smith joined CFG Bank in the Spring of 2019. Prior to joining CFG Bank, Smith served as Executive Vice President and Chief Financial Officer at both CBB Bancorp Inc and Community Bank in California, where he managed all financial functions, including capital, ALCO, investments, cash management, reporting and taxes. He has also served in C-Suite positions at various Pennsylvania-based financial institutions such as Bryn Mawr Bank Corporation, First Chester County Corporation, and Security First Bank.

 

With over 30 years of financial, operational, and executive management experience, Duncan brings expertise in business process improvement, capital markets, mergers and acquisitions, risk management, cash management, staff development, forecasting, and incentive compensation. In addition, he has dealt with SEC financial reporting and shareholder relations.

 

Duncan has a master’s in business administration from Penn State Great Valley, a master’s in taxation from Widener University, and a bachelor’s in accounting from Shippensburg University. He is a licensed Certified Public Accountant and member of the American Institute of Certified Public Accountants, Pennsylvania Institute of Certified Public Accountants, and Financial Managers Society. Smith also serves as a guest panelist on various banking and accounting topics, most recently speaking at Bank Director’s Acquire or Be Acquired Conference 2019.

 

Smith resides in Cockeysville, Maryland and is an active track and field runner. 

Chris C
Chris Chick

Executive Vice President & Chief Lending Officer

Chris Chick

Executive Vice President & Chief Lending Officer

Chris Chick oversees all commercial lending functions. He has more than 30 years of regional banking experience, most recently with Severn Savings Bank as executive vice president/CLO. Chick was also with Susquehanna Bank for 23 years where he contributed to the growth and profitability of the bank.

 

He holds a Master of Science from the University of Baltimore and Bachelor of Science in finance from the University of Maryland.

Mike Hoehn

Chief Credit Officer- Commercial Bank

With over 25 years of banking and financial experience, Mike Hoehn brings skills for credit risk management and administration, complex financial analysis and underwriting, commercial lending, government supported lending, and relationship management. He also brings extensive expertise in commercial and industrial lending to companies ranging in size from small to Fortune 100.

 

In addition, Hoehn’s capabilities include SBA, portfolio management, credit underwriting, development of policy and procedures, regulatory compliance, problem asset workout, and enterprise risk management.

 

Prior to joining CFG Bank, Hoehn worked for 15 years at SunTrust Bank, most recently as senior vice president and senior credit officer at the Equipment Finance Group in Baltimore where he managed all credit risk and portfolio management functions.

 

Hoehn has a bachelor’s in business administration from Towson University.

Tom Myers

Chief Credit & Risk Officer Healthcare

Tom is a 34-year commercial banking veteran. He began his career at several of Baltimore’s largest institutions; First National Bank of Maryland then Maryland National Bank. Having several customers in the skilled nursing business, he developed an expertise in and passion for that industry. He then joined Provident Bank of Maryland where he established its Healthcare Banking Group.

 

Later in his career he followed his passion for senior living and took an opportunity leave banking to run a senior living management company for one of his banking clients. He was the Chief Operating Officer for a company that managed three assisted living and two skilled nursing facilities in the mid-Atlantic area. Tom joined CFG in 2017 as currently acts as its Chief Credit Officer for Healthcare Finance.

H. King Corbett

Market President

King Corbett guides the marketing and overall lending strategy of the bank. Corbett, who has been with CFG Bank since 2017 and has over 40 years of banking experience, will guide the marketing and overall lending strategy of the bank. He is a graduate of Loyola University where he earned both an MBA and Bachelor of Arts. Corbett previously served as executive vice president and CLO at Bay Bank, FSB and commercial line of business head of Maryland at Sun Trust Bank.

Meet the Commercial Banking Team

As your financial partner, you can count on our customer-centered approach.

Amanda Brown

Vice President, Cash Management

Amanda Brown

Vice President, Cash Management

Brian Bynion

Senior Vice President, Relationship Manager

Brian Bynion

Senior Vice President, Relationship Manager

Brian Bynion joined CFG Bank in September of 2019. Prior to joining CFG, he spent almost 20 years in banking where he served as Vice President and Team lead for M&T Bank and Fulton Bank. He has managed commercial banking teams in Maryland and Delaware and is well versed in commercial loan structuring, merchant card and treasury products. He has extensive experience in the private label credit card arena.

 

Brian was also the Director of Global Credit Operations for Sylvan Learning Systems for over 10 years. In this role, he traveled extensively, both domestically and internationally. He lived in Holland and England for over two years while managing operations in EMEA. During this time, he handled numerous responsibilities surrounding mergers and acquisitions. He has broad knowledge in currency evaluation and reconciliation.

 

Brian has extensive expertise in credit, client management, and business development throughout the mid-Atlantic region. Budgeting, forecasting, and interpreting financial statements are among his strengths. He has successfully identified new business opportunities in the marketplace and built internal and external teams to deliver innovative products to his clients.

 

Brian is married and has three grown daughters. He earned his Masters Degree in Business Administration from The College of William and Mary, and serves on the boards of several non-profits within Maryland.

Chris Chick

Executive Vice President & Chief Lending Officer

Chris Chick

Executive Vice President & Chief Lending Officer

Chris Chick oversees all commercial lending functions. He has more than 30 years of regional banking experience, most recently with Severn Savings Bank as executive vice president/CLO. Chick was also with Susquehanna Bank for 23 years where he contributed to the growth and profitability of the bank.

 

He holds a Master of Science from the University of Baltimore and Bachelor of Science in finance from the University of Maryland.

H. King Corbett

Market President

H. King Corbett

Market President

King Corbett guides the marketing and overall lending strategy of the bank. Corbett, who has been with CFG Bank since 2017 and has over 40 years of banking experience, will guide the marketing and overall lending strategy of the bank. He is a graduate of Loyola University where he earned both an MBA and Bachelor of Arts. Corbett previously served as executive vice president and CLO at Bay Bank, FSB and commercial line of business head of Maryland at Sun Trust Bank.

Terria Devaughn

Assistant Vice President, Commercial Portfolio Manager

Terria Devaughn

Assistant Vice President, Commercial Portfolio Manager

Nicole Donegan

Vice President Commercial Business Development

Nicole Donegan

Vice President Commercial Business Development

Grace Doyle

Vice President, Commercial Relationship Manager

Grace Doyle

Vice President, Commercial Relationship Manager

April Haley

Cash Management Specialist

April Haley

Cash Management Specialist

Alex Liberatore

Portfolio Manager

Alex Liberatore

Portfolio Manager

Rod Morrison

Vice President, Portfolio Manager

Rod Morrison

Vice President, Portfolio Manager

Josh Plemmons

Vice President, Relationship Manager

Josh Plemmons

Vice President, Relationship Manager

Marie Rector

Vice President, Commercial Relationship Manager

Marie Rector

Vice President, Commercial Relationship Manager

Dan Wernecke

Senior Vice President & Relationship Manager

Dan Wernecke

Senior Vice President & Relationship Manager

Dan Wernecke leads the bank’s commercial lending and real estate loan portfolios. He previously acted as senior commercial relationship manager at the bank, where he used over 30 years of finance and banking experience to build relationships, generate commercial loans and manage credit risk.

 

Before joining CFGBank, Dan served as senior vice president and relationship manager at First National Bank of Pennsylvania (FNB), where he managed a $50 million loan portfolio. He also served as executive vice president and chief lending officer of Baltimore County Savings Bank (BCSB) before it was absorbed by FNB, where he led the bank’s lending and credit functions. Wernecke was personally responsible for over 60 percent of the BCSB’s commercial loan portfolio, which he grew to over $250 million.

Richard Yoskey

Vice President, Commercial Relationship Manager

Richard Yoskey

Vice President, Commercial Relationship Manager

Chris Zoeller

Vice President, Commercial Relationship Manager

Chris Zoeller

Vice President, Commercial Relationship Manager

Meet the Personal Banking Team

Kevin
Kevin Carter

Senior Vice President Retail Executive and CRA Officer

Kevin Carter

Senior Vice President Retail Executive and CRA Officer

Renee
Renee Jankowiak

Vice President, Branch Manager

Renee Jankowiak

Vice President, Branch Manager

Meet the Board of Directors

Offering leadership that's informed, dedicated, and experienced.

John W. “Jack” Dwyer

Owner, Chairman of the Board

John W. “Jack” Dwyer

Owner, Chairman of the Board

Jack Dwyer founded Capital Funding Group in 1993. He has been involved in the financing of more than $5.2 billion in FHA-insured healthcare mortgages. Over the past 15 years Mr. Dwyer has formed Capital Health Group, LLC, a self-advised real estate company that focuses on independent, assisted living and memory care facilities; Capital Lending and Mortgage Group, LLC, a healthcare bridge lending company; Capital Hospital Finance Group. LLC., a merchant banking and advisory division focused on providing financing for acute care and specialty hospitals; Capital SeniorCare Ventures, LLC, a company that acquires skilled nursing facilities in order to lease them back to operators; Capital Financial Ventures, LLC. the GNMA sales and delivery advisor to Capital Funding, LLC; CFG Capital Markets. LLC, a fully-registered (FINRA/SIPC) Investment Banking and Securities firm focused on providing capital raising solutions for taxable and tax-exempt issuers, and investment advice for institutional investors; and Capital Spend Management. LLC, a web-based purchasing management and consulting service to the long-term care industry. Mr. Dwyer is an owner and serves as a board member of Milestone Retirement Communities, LLC.

 

In 2009, Mr. Dwyer formed Capital Funding Bancorp, Inc. and through it led the acquisition of AmericasBank Corp. and its subsidiary, AmericasBank. AmericasBank underwent a name change in November 2009 and is now known as CFG Bank. Subsidiaries of CFG Bank include Capital Finance, LLC (formed in 2005), the only working capital/accounts receivable lender focused exclusively on skilled nursing and hospitals; as well as Capital Funding, LLC (formed in 1993), under which the HUD origination, underwriting, processing and servicing departments are housed.

 

Mr. Dwyer received his B.S. in Business Administration from Widener University and is a Certified Public Accountant.

Deborah Spangenberg

President, Capital Funding & Capital Finance, Vice Chairman of the Board

Deborah Spangenberg

President, Capital Funding & Capital Finance, Vice Chairman of the Board

Deborah Spangenberg began her career in healthcare finance in 1988. Currently, she holds the position of President of Capital Funding, LLC and Capital Finance, LLC., the two Bank subsidiaries. In addition, she is an Executive Vice President of CFG Bank and serves as Vice Chairman of the Board of Directors of the Bank. She is also on the Board of the Bank Holding Company. In addition to healthcare, she has a background in human resources and marketing.

Michael Purcell

Director

Mike served as an audit partner at Deloitte & Touche for 36 years, providing assurance and advisory services to public and private enterprise clients, including family owned businesses, private equity and venture backed entities, as well as large multi-national companies. He has an extensive background serving technology, financial services, life sciences, consumer products and manufacturing companies, with deep experience in financial reporting, mergers and acquisitions, capital sourcing, and due diligence. Mike served as the Philadelphia Office leader of Deloitte’s middle-market and growth enterprise services. Mike has assisted many emerging companies over the years including successful initial public offerings and exit transactions.

 

Mike has extensive experience serving on the Board of Directors and Audit Committee of numerous for profit entities including Tabula Rasa Healthcare Inc., International Money Exchange, CFG Bank, Hyperion Bank, McKean Defense Group, ESF Camps, Code 3 Emergency Partners and Femme Pharma Consumer Healthcare. He also serves on the Board of several non-profit entities including Faith in the Future Foundation, Ben Franklin Technology Partners and Association of Audit Committee Members.

In addition, Mike serves as a consultant for several venture/private equity funds and has been an interim CFO.

 

In the past, Mike also served on the Boards of Directors of the Pennsylvania Alliance for Capital and Technologies (PACT), Entrepreneurs’ Forum of Philadelphia, The Haverford School, American Heart Association (President) and Main Line Jaycees (President). He was the chairman of the Impact Venture Summit in both 2006 and 2014, a highly successful venture conference which attracted over 1,000 attendees. Mike has also served in advisory roles for both Lehigh University and Drexel University. He is a member of the American Institute of Certified Public Accountants (AICPA) and a former President of the Philadelphia Chapter of the Pennsylvania Institute of Certified Public Accountants (PICPA).

 

Mike graduated from The Haverford School, has a BS in Accounting from Lehigh University and an MBA in Finance from Drexel University.

George D. Riedel

Director

George Riedel joined the CFG Community Bank Board in June 2010. He is Head of US Intermediaries (USI) at T. Rowe Price. George oversees the sales, marketing, client services and operations for these segments. He is also a member of the firm’s Product Steering Committee.

 

Mr. Riedel has more than 30 years of broad financial services experience. Before joining T. Rowe Price in 1998, George was a vice president of the Global Bank Group at Federated Investors responsible for the distribution of institutional investment products in the Eastern U.S. He began his career at Salomon Brothers in New York, now part of Citigroup.

 

Mr. Riedel earned a B.S in finance and economics from Alfred University and an M.B.A in marketing and strategic planning from the University of Pittsburgh, Katz School of Business. Mr. Riedel is a Series 6, 7, and 63 registered representative and a Series 24 registered principal. He also holds his Certified Investment Management Analyst designation.

Bruce Yarwood

Director

Bruce Yarwood has been president and CEO of the American Health Care and led a management consulting and issues advocacy firm that specialized in managed health care and long-term care issues, served as an executive in a large nursing home corporation and a trade association, and held leadership roles in the California Department of Health.

O. Jim Talbott

Director

James Talbott has been a Director of CFG Community Bank since March, 2018. Mr. Talbott retired in 2009 after spending 45 years in the banking industry. At the time of his retirement he was the regional president of PNC Financial Services Group, where he was the regional president of the Western Maryland Market. Prior to his position at PNC Financial Services Group, Mr. Talbott served as Chairman, President and CEO of Farmers and Mechanics Bank, a Mercantile Bankshares Corporation affiliate in Frederick, Maryland until its acquisition by PNC in March 2007. During Mr. Talbott's 38-year career at Mercantile-Safe Deposit & Trust Co. and Mercantile Bankshares Corporation, he held various positions leading up to senior vice president of both the Bank and Holding Company. He successfully managed several merger processes, which led to his role as administrative liaison with all of Mercantile' s banking affiliates, a position he held for 26 years through dozens of mergers and acquisitions.

 

A native of Baltimore, Mr. Talbott is an active participant in community affairs and currently serves on a number of businesses and nonprofit boards including the Investment Committee for the Episcopal Diocese of Maryland. In 2007, Talbott was honored by the National Capital Area Boy Scout Council with the George B. Delaplaine Distinguished Citizen Award for his service to the community.

 

Mr. Talbott's extensive background in the financial service industry, which includes direct supervision of and responsibility for the accounting and audit function of banks contribute to his in - depth knowledge of generally accepted accounting principles and his ability to analyze complex financial statements. His credentials qualify him as an audit committee financial expert under the Nasdaq listing standards and applicable securities regulations.

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