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Lenders

Jo Nelson

Market Area 

Seneca Market

What is your niche or expertise? 

Consumer loans/vehicle, Home Equity Loans, Boats, Personal Loans

Banking Experience

Jo joined the CFB team over 10 years ago as a teller and quickly became a Customer Service specialist at the Walhalla & Westminster Branches. Gaining years of experience within our bank has afforded Jo the opportunity to not only learn and help our customers and our community but learn the skills it takes to run a successful branch. As of 2017, Jo has been the Branch Manager for the South Seneca location. She’s a recognized local that enjoys being able to help her customers with their financial options.

Skills, Accomplishments, and Awards

One of the top in lending among CFB Branch Managers for the last 2 years

Personal Interests and Community Involvement

Former member of the Walhalla Pilot Club for 3 years – Secretary for 1 of those

Member of North Walhalla Church of God – leading organizer in the yearly Vacation Bible School for the local children, the Fall Festival and the Easter Egg Hunt

Jo loves to spend time out and with her grandchildren. During her spare time she likes to invest her time reading a good book or hiking.

“Try not to become a person of success, but rather try to become a person of value” Albert Einstein 

Categories
Lenders

Scot Frith

Market Area 

I am located at the Clemson Boulevard office in Anderson and work the Anderson County market, primarily.

What is your niche or expertise?

I specialize in commercial and consumer real estate and construction loans as well as equipment financing for small businesses.

Banking Experience

Scot began his banking career at an Anderson savings and loan in 1994. He joined CFB in 2002 as the branch manager of the Clemson Boulevard office in Anderson. Recently, Scot has accepted the position of small business banker and will continue to serve the people of Anderson Country from the same office.

Certifications and Education  

Clemson University B. S. 1991

Skills, Accomplishments, and Awards

2019 Community First Bank Employee of the Year

2019 Consumer Lender of the Year

2020 Consumer Lender of the Year

Personal Interests and Community Involvement

Scot spends a big part of his free time following his daughter as she pursues her interests and activities. He is a big fan of old-time radio and an avid lover of college football. In addition, he is actively involved in leadership positions at his church.

“It is not from the benevolence of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their own interests” -Adam Smith  

Categories
Lenders

Luke Adams

Market Area

Luke’s primary market area is Walhalla, SC., and the surrounding Oconee County area.

What is your niche or expertise?

Luke specializes in personal and business account openings as well as debit card and online banking assistance. He also specializes in loans for consumers – Auto, boat, HELOC, and more.

Banking Experience

Luke began his banking career in May 2017 as an intern for Community First Bank. While serving in that role he visited a variety of different departments within the bank and learned how each operated. After graduating from Clemson University, Luke began work at CFB in January 2018 as a full-time Customer Service Representative at the Walhalla Branch. That role allowed Luke to serve clients directly and help with a variety of needs. Now, in 2021, Luke has taken on a new challenge as a Consumer Loan Officer.

Education

Clemson University – Bachelor’s degree in Accounting

Skills, Accomplishments, and Awards

Luke’s goal is to assist consumers and businesses alike with all their banking needs. He works quickly and efficiently for all of his clients, achieving objectives together.

Personal Interests and Community Involvement

Luke enjoys exercising and spending time with family in his free time.

Categories
Lenders

Linda Willis

Market Area

Elizabethton, Tennessee, Carter County, and the surrounding areas

What is your niche or expertise?

Linda will be assisting customers with personal, home, and auto loans.

Banking Experience

Linda has been in banking for 38 years, starting her career as a customer service representative.  She is currently the Branch Administrator for the Elizabethton offices and has recently trained for lending.

Categories
Lenders

Jennifer N. Lee

Market area 

Oconee County

What is your niche or expertise?

Consumer loans (vehicles, motorcycles, tractors, campers, ect…)

Banking experience

Jennifer started her banking career as a teller in 2002 and joined the CFB team in 2003. Jennifer continued to work her way from a teller to a CSR and then to a bank manager in 2016 at the Westminster location. Jennifer is fully vested in her community and takes pride in being able to help the people among which she lives.

Certifications and education  

Completed 2 years of South Carolinas Bankers School – 2021 Graduate

Skills, accomplishments, and awards

Consumer Lending School Certification in 2018
Chosen as CFB representative to undertake new software rollout and training

Personal Interests and Community Involvement

Member of Westminster Rotary Club – a group where professionals with diverse backgrounds could exchange ideas, form meaningful, lifelong friendships, and give back to their communities.

Jennifer enjoys spending her time in the arts by crafting, creating different home projects for holidays and special events and painting.

“Climb high, climb far…your goal is the sky – your aim, the stars”

Categories
Lenders

Michael Corcione

Market Area 

Charlotte North Carolina and the surrounding areas

What is your niche or expertise?

Consumer Banking, Personal, and Consumer Lending 

Banking Experience

Michael has over twenty years of management and leadership experience in the banking industry, and has worked in a variety of roles.  These include customer service, financial center management, and customer engagement.  Michael has developed and managed banking relationships with both consumers and businesses by identifying and satisfying their financial needs, and is available to assist you in the greater Charlotte NC area.

Certifications and Education 

Center for the Media Arts

Comsewogue HS

Skills, Accomplishments, and Awards

Strong sales and superior customer service skills

Proven ability to lead individuals and teams

Highly organized

Business planning

Communications

Categories
Lenders

Harold Hayes

Market Area

Upper East TN ( Primary Counties of Carter, Washington, Sullivan, Johnson, and Unicoi)

What is your niche or expertise?

Harold’s lending background includes residential, small and large-scale commercial, agricultural lending, construction (residential and commercial), and consumer ( HELOCS and vehicles).

Harold’s niche is the ability to work with a variety of different requests and the ability to deal with all generations — from baby boomers, to millennials, and Gen X-Y-Zs. Harold has the ability and skill set to accommodate each client in their way of doing business.

Banking Experience

Harold’s customer service career started in 1987 and his Lending career began in 1996.

Certifications and Education

Bachelor of Business Administration from East TN State University

Major in Marketing, Finance, Accounting; Graduated with Honors 1991

David Crockett High School, Jonesborough TN; Graduated with Honors 1983

Personal Interests and Community Involvement

Past Member Kiwanis, Chamber of Commerce, Home Builders Association, NE TN Realtor Association, Mortgage Bankers Association

Personal Interests include Farming, Family activities, Church activities, and Sporting activities

Married to wife Sheila for almost 26 years. Two children.

Grew up in nearby Jonesborough –Tennessee’s oldest town. Currently, resides in Johnson City.

Categories
Lenders

Efrem M. Lipscomb

Market Area 

Located in East Anderson off HWY 81, near AnMed North and TL Hanna High School – we look to service all of Anderson County and neighboring counties as well!

What is your niche or expertise?

Along with checking and savings account options, we specialize in consumer lending from home loans, auto loans, and lines of credit to small business lending as well!

Banking Experience 

Efrem started his banking career as a teller in 2018 and quickly worked his way up to the sales and finance department. It was there that CFB recognized that he had the skills and communication to become the Branch Manager of the Anderson Hwy 81 location in 2020. It is here where he now specializes in consumer lending and customer relations.

Certifications and Education  

I am currently completing my bachelors degree in Business Finance at Western Governors University.

Skills, Accomplishments, and Awards

Efrem has a passion for not only helping individuals achieve their financing needs but also helping to increase financial awareness and education throughout the community. By helping people under the concepts of interest rates, equity, and other financial terms he organically grows local businesses for local people. Reinvesting in the community he serves is important for Efrem. In his first year, he was able to close almost $1 million in new consumer loans all while growing the exposure of the Hwy 81 branch. In the future, he hopes to hold seminars to help educate the community on their financial options.

Personal Interests and Community Involvement

He is a member of the Anderson Chamber of Commerce, BNI Strategic Alliance (a business networking group in Anderson), as well as member and trustee at Evergreen Baptist Church in Anderson, SC.

In his free time, he enjoys spending quality time with his wife and son, watching Clemson football, playing basketball, and working in his yard at home. In the future, he plans to start investing in real estate, and working towards his family becoming debt free.

“Why chose mediocrity…when excellence is an option?”

Categories
Lenders

Donna Cabaniss

Niche or Expertise

Donna’s expertise is excellent Customer Service.  She is knowledgeable about most financial products including demand deposit accounts, Consumer lending and Home loans.

Banking experience

Donna has 28 years in the Banking industry. Most of these years were spent communicating with customers to find out the best way to service their financial needs. Donna was recently promoted into the role of Branch Manager at the Williamston office and will specialize in lending.

Certifications and Education

Notary from the State of SC

Banking Continuing Education

Skills, Accomplishments, and Awards

Donna takes pride in serving customers in the community where she was born and raised. Helping those with questions and concerns related to their personal or business needs makes her banking career rewarding.

Personal Interests and Community Involvement

Donna enjoys traveling, exercising, and spending time with her family.

Categories
Lenders

Diane Hughes

Market Area

Elizabethton, Tennessee, Carter County, and the surrounding areas

What is your niche or expertise?

Personal lending

Banking Experience

Diane began her banking career in 1995 as a Customer Service Representative. In 2006 she was promoted to Branch Manager and has recently added lending to her skillset.

Personal Interests and Community Involvement

Diane enjoys wildlife, animals, and gardening. Her favorite community group is the local Animal Shelter.