Our Team

The experienced business lenders at CBC National Bank take the time to understand your business and we excel at structuring customized solutions. We’re here to help with the unique challenges you face by presenting smart options with your success in mind.

Fernandina Beach, FL

Durand Childers

Executive Vice President & Managing Director of SBA Group

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Durand joined CBC National Bank soon after its inception in 2002 and has been the driving force behind the bank’s SBA Division ever since. With almost two decades of experience in banking (15 of those years specializing in SBA Lending), he is an experienced lender who puts the needs of his customers first. He is a graduate of the University of Georgia and LSU Graduate School of Banking. Durand has developed and manages an elite team of SBA Lenders throughout the Southeast and is responsible for CBC achieving its Preferred Lender status with the U.S. Small Business Administration. Durand manages the SBA Loan Division of CBC National Bank. 


p  904.491.9820 
f  904.277.0167 
dchilders@cbcnationalbank.com

1891 South 14th Street,
Fernandina Beach, FL 32034


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Atlanta, GA

Joy Manbeck

Senior Vice President & Regional Sales Manager

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Joy Manbeck brings over 30 years of commercial banking experience, a majority of that in SBA lending. She has deep SBA industry and Atlanta market knowledge, small business acumen, seasoned banking skills and proven leadership capabilities.

Manbeck has deep business and social roots in the Atlanta area. She is a Youth leader in the Alpharetta United Methodist Church and a member of several other business and professional organizations, including Board of Directors for Rotary Club of North Fulton, Board of Trustees with Alpharetta UMC, North Atlanta Professional Group, and CREW (Commercial Real Estate Women).  




c  770-715-5422
f   678-942-2172
joy.manbeck@cbcnationalbank.com

3010 Royal Boulevard South
Suite 100
Alpharetta, GA 30022

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Fernandina Beach, FL

John McClure

Lead SBA Lender
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John joined the CBC National Bank SBA team as the SBA Lead Lender in July 2013 and has recently added the responsibility of Senior Risk Officer for the Government Guaranteed Lending division.  Previously, he worked in Lender Relations for the SBA in Georgia and Kentucky. As the Georgia Lead Lender Relations Specialist for the SBA, John was responsible for training and assisting all SBA lenders in Georgia while his team achieved its second largest SBA lending year. Prior to joining the SBA, John was a Relationship Manager and Commercial Lender for a national bank. John is retired from the Air Force where he worked in finance, aircraft maintenance, and recruiting. John has his M.B.A. with an Entrepreneurial focus from the University of Louisville.



1891 South 14th Street,
Fernandina Beach, FL 32034

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Beaufort, SC

Mark Sobolewski

Group Vice President 

Regional Sales Manager Small Business - North

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A seasoned commercial lender, Mark has been in the financial services industry for the past 12 years. In 2011 he moved to the SBA Division and currently serves Northeast Florida, Georgia and the South Carolina market place. Mark holds a Marketing Management degree from Florida Southern College and serves as the area president for Nassau Habitat for Humanity. Additionally, he has extensive SBA Training from The National Association of Government Guaranteed Lending and The United States Small Business Administration.

Please feel free to contact Mark with any of your Small Business questions and he will be happy to assist you. 


p 904.491.9824 
f  904.277.0167
msobolewski@cbcnationalbank.com

1891 South 14th Street,
Fernandina Beach, FL 32034


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Fort Myers, FL

Tom Maiale

Group Vice President

Regional Sales Manager Small Business - South

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Tom is a 13 year veteran of SBA Lending, specifically serving the southwest Florida market for the past five years. Tom holds a Bachelor of Science in Finance from the University of New York with an M.B.A from St. Bonaventure University. Additionally, he has extensive SBA Training from The National Association of Government Guaranteed Lending and The United States Small Business Administration. 


To Reach Tom: 
o  239.288.9966
tmaiale@cbcnationalbank.com

13440 Parker Commons Blvd. 
Suite 103 Unit A
Fort Myers, Florida 33912


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Vero Beach, FL

Steve Penza

Vice President & SBA Lender

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Steve has 30 years of experience in financial services, including 13 years in SBA lending. He not only has extensive SBA training, but has been a contributing author on SBA lending with Scotsman Guide, a national financial services publication. He earned his B.A. in Business Management at Providence College in Rhode Island.  He is trained in Six Sigma, and has previously served as a member of the Gulf Coast CDC’s advisory committee.


o  772.492.0609 
c  904.955.7759 
f  772.492.0610 
spenza@cbcnationalbank.com


PO Box 643792
Vero Beach, FL 32964-3792


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Greensboro, NC

Bob Sands

Vice President & SBA Lender

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For over 30 years, Bob has been cultivating outstanding banking relationships in the Greensboro market, specializing in helping to implement ideas that lead to solutions in SBA lending. He holds a B.A. from Catawba College in Salisbury, NC where he majored in Business Administration and minored in Economics. He has extensive skills in credit underwriting and financial analysis and is well versed in strategic planning and budgeting.  


5205 Rambling Road
Greensboro, NC 27409


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Jacksonville, FL

Janice Bounds

Vice President & SBA Lender

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With over 25 years in banking experience, (the last 10 years specializing in Commercial lending/SBA lending), Janice has the knowledge and expertise needed to help customers navigate the SBA lending process.   
She currently serves on the Board of Directors for the Beaches Educational Foundation and is Chairperson for Commercial Lending with SBRN ( Small Business Resource Network - part of the Small Business Development Center at UNF).  She also volunteers as a mentor for the Jacksonville Chamber -Women's Business Center.


 

p  904.699.9761

jbounds@cbcnationalbank.com

1891 South 14th Street

Fernandina Beach, FL  32034


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Tampa, FL

John McCabe

Vice President & SBA Lender

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With almost 30 years of experience in financial services, John has spent the last ten years committed to small business lending. Working as a lender service provider (LSP) to financial institutions throughout the state of Florida as well as having developed a program for underserved businesses in 2013, John has lending experience in a broad range of small business solutions including traditional asset based lending, SBA CAPLine, SBA Contract CAPLine, SBA Real Estate Advantage Loan (aka 504) and SBA 7(a). As a former board member and Vice President of Economic Development for a state-wide CDC John has received SBA training from NADCO, the national trade association for SBA Certified Development Companies.


701 South Howard Avenue

Suite 106-360

Tampa, FL  33606


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Tifton, GA

Richard Duncan

Vice President & SBA/USDA Lender

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Duncan has in-depth experience as a USDA Business and Industry lender, most recently as owner of his own consulting firm specializing in government guaranteed lending. He also had long stints during his career with the Federal Aviation Administration and the United States Marine Corps. Duncan is a summa cum laude graduate of Flagler College with a degree in business finance.

Tifton, GA


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Atlanta, GA

Michael Holle

Vice President & SBA Lender
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Holle has spent nearly all of his 15 years of financial services experience as a lender, specializing first in mortgage lending and for the last three years primarily as an SBA lender. Most recently, Holle served as vice president of government guaranteed lending with Southern States Bank. Prior to that, he was a commercial loan officer, SBA lender and commercial underwriter with CharterBank. Holle is a graduate of Auburn University & Graduate School of Banking at LSU.

102 Main Street

Suite 230

LaGrange, GA  30240


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Jacksonville, FL

Kameron Knowlton

Vice President & SBA Lender

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754-264-5710
kknowlton@cbcnationalbank.com
8761 Perimeter Park Blvd.
Suite 104
Jacksonville, FL 32216
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Fernandina Beach, FL

Holly Edenfield

SBA Operations Director
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Holly Edenfield is the SBA Operations Director at CBC National Bank. She began her career in banking in 1985 as a teller and has worked as a Customer Service Representative and Loan Operations employee. Holly has been with CBC since 1999 and has held the position of Loan Operations Manager and her current position of SBA Operations Director.


1891 South 14th Street,
Fernandina Beach, FL 32034


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Fernandina Beach, FL

Shonda Powell

Loan Processing Manager
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1891 South 14th Street,
Fernandina Beach, FL 30234


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Fernandina Beach, FL

Susan Sturges

SBA Loan Specialist


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Susan Sturges is a SBA Loan Specialist at CBC National Bank.  She began her career in 1978 in the real estate title insurance industry with First American Title,  as a receptionist/recording clerk and had worked her way up to Branch Manager.  After 30 years in the title insurance industry, in 2008 she decided to pursue a new career path in the banking industry.  She worked as a Lending Assistant, SBA Loan Processor and SBA Loan Processing Supervisor.  Susan has been with CBC National Bank since 2014 and has held the position of SBA Loan Specialist.  She remains actively involved in civic activities, chairing numerous positions such as President of the American Business Women’s Association, Eight Flags Charter Chapter in Fernandina Beach.    



o 904-321-2907
susan.sturges@cbcnationalbank.com
1891 South 14th Street
Fernandina Beach, Florida 32034
 



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Fernandina Beach, FL

Lillie Jenkins

SBA Loan Specialist

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Lillie Jenkins is a SBA Loan Specialist at CBC National Bank.  She began her banking career in 1980 as a Teller and has worked as a Lending Assistant and SBA Loan Processor.  Lillie has been with CBC National Bank since 2013 and has held the position of SBA Loan Specialist.
p  904.321.2911
f  904.277.0167 
Lillie.Jenkins@cbcnationalbank.com
1891 South 14th Street,
Fernandina Beach, FL 32034

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