Meet Our Team

Leadership Team

Pioneer Bank President & CEO Ron Coben

Ron Coben
President / CEO

Pioneer Bank President & CEO Ron Coben

Ron Coben

President / CEO
Email
512.829.0295

Ron has more than 30 years’ experience providing banking services to customers across Texas.  He began his career at Texas Commerce Bank and later served 12 years as EVP Retail at Bank United, helping to grow it into the largest publicly traded bank in Texas with $18 billion and 155 locations.  Ron has provided strategic consulting to CEOs at banks of all sizes, from small community institutions to regional banks to London-based Barclays.  Prior to leading Pioneer, Ron served as COO and Director of First Community Bank.

Ron’s philosophy on success is simple. “Foster great ideas by surrounding yourself with people who are smarter than you and think differently.”  He also believes that bankers have a unique role to support the growth of great companies and the visionaries who lead them.

“Business is a puzzle. I love learning how companies work, what drives the people who make them successful, and how we, as bankers, can help.”

Outside Pioneer

Ron’s a family man whose greatest joy comes from making his wife and twins happy. He doesn’t play golf, hunt or fish, for which he apologizes.  Ron also serves on the advisory board of Undies for Everyone, a nonprofit that provides more than a million pairs of new underwear annually to disadvantaged school children and victims of disaster.

Pioneer Bank Chief Financial Officer Larry Lehman

Larry Lehman
Chief Financial Officer

Pioneer Bank Chief Financial Officer Larry Lehman

Larry Lehman

Chief Financial Officer
Email
512.829.1903

Larry has more than 34 years of banking experience. He has held multiple leadership roles including CFO at Allegiance Bank, corporate controller at Cadence Bancorporation and controller at Amegy Bancorporation. 

Throughout his career, Larry has specialized in a range of financial and strategic management disciplines. From corporate strategy and process improvement to mergers and acquisitions.

At Pioneer Bank, Larry leads the accounting, financing and investing functions. He serves on the Investing and Pricing Committee and the Asset/Liability Committee among others.

“I love leading the company’s financial function while simultaneously analyzing historical results and planning future strategies.”

Outside Pioneer

When he’s not busy being the world’s greatest dad at home, Larry is often out hunting or reeling in the catch of the day.

Larry resides on the board of directors for Open Door Mission, which runs a respected rehabilitation facility that supports the homeless and people in need throughout Houston.

He also servers on the advisory board of the Master of Science in Finance program at Texas A&M University – Mays Business School.

Larry is a certified public accountant (CPA) and a chartered global management accountant (CGMA). He has a BBA in Accounting from Texas A&M University.

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Larry has more than 34 years of banking experience. He has held multiple leadership roles including CFO at Allegiance Bank, corporate controller at Cadence Bancorporation and controller at Amegy and Amegy Bancorporation. 

Throughout his career, Larry has specialized in a range of financial and strategic management disciplines. From corporate strategy and process improvement to mergers and acquisitions.

At Pioneer Bank, Larry leads the accounting, financing and investing functions. He serves on the Investing and Pricing Committee and the Asset/Liability Committee among others.

“I love leading the company’s financial function while simultaneously analyzing historical results and planning future strategies.”

Outside Pioneer

When he’s not busy being the world’s greatest dad at home, Larry is often out hunting or reeling in the catch of the day.

Larry resides on the board of directors for Open Door Mission, which runs a respected rehabilitation facility that supports the homeless and people in need throughout Houston.

He also servers on the advisory board of the Master of Science in Finance program at Texas A&M University – Mays Business School.

Larry is a certified public accountant (CPA) and a chartered global management accountant (CGMA). He has a BBA in Accounting from Texas A&M University.

Pioneer Bank Chief Lending Officer Chris Harkrider

Chris Harkrider
Chief Lending Officer

Pioneer Bank Chief Lending Officer Chris Harkrider

Chris Harkrider

Chief Lending Officer
Email
512.347.3906

Chris has more than 35 years of lending experience, the majority of which has focused on Commercial Banking in the greater Austin market.

For the last eight years, Chris has managed all Commercial Banking, SBA and Mortgage activities across Pioneer Bank.

Chris has a BBA in Finance from the University of Texas at Austin, and is also a graduate of the Southwestern School of Banking at SMU.

“I love the business due to the ability to serve and learn about different industries, business owners and people in the communities where I have operated. I love being able to say I bank that company or someone simply being introduced as ‘my banker’.” 

Outside Pioneer

Chris and his wife of 14 years have one daughter living at home and delight in watching her grow up so quickly. He also has two adult children who are both married and living in Austin, each pursuing their dreams. Chris enjoys traveling with his family and hunting in the Texas Hill Country, in particular chasing the elusive wild turkey in the spring each year.

Pioneer Bank Chief Credit Officer Will Bowles

Will Bowles
Chief Credit Officer

Pioneer Bank Chief Credit Officer Will Bowles

Will Bowles

Chief Credit Officer
Email
512.829.1909

Pioneer Bank Chief Operations Officer Cathy Williams

Cathy Williams
Chief Operations Officer

Pioneer Bank Chief Operations Officer Cathy Williams

Cathy Williams

Chief Operations Officer
Email
512.829.2248

Cathy has more than 25 years of experience in banking operations. She has worked in notable institutions including the FDIC, Bank United, Washington Mutual, Encore Bank, Cadence Bank and Reverse Mortgage Solutions.

At Pioneer Bank, Cathy oversees all loan operations, branch/deposit operations and treasury management services. She is also responsible for the consumer loan center, which includes consumer and 1st mortgage loan processing, pre-post-closing loan activities, retail collections, vendor management and project management.

“Nothing excites me more than to see a happy customer – one that has confidence and trust in what we do. Mentoring staff is my second passion, teaching and helping them bring out their best qualities and strengths, getting them ready for the next level.”

Outside Pioneer

 Cathy loves spending time with her family – whether it’s going to the movies and indulging in the cinematic experience or playing a game of golf.

Pioneer Bank Chief Administrative Officer Joni Phariss

Joni Phariss
Chief Administrative Officer

Pioneer Bank Chief Administrative Officer Joni Phariss

Joni Phariss

Chief Administrative Officer
Email
281.632.1431

Joni has more than 20 years of human resources management, including more than eight years in executive management.

Joni took on the role of Chief Human Resources Officer upon joining Pioneer Bank, overseeing all aspects of the HR function including payroll for more than 250 employees across 23 locations within Texas.

In her current position, Joni provides executive oversight of human resources, compliance and information technology. She is actively engaged in strategic initiatives while managing day to day functional activities at Pioneer Bank.

Joni has a BBA in Marketing from Lamar University. She is also a certified Senior Professional in Human Resources (SPHR).

“I have the opportunity to positively impact the success of individuals and the organization by providing infrastructure, structure and support every day.”

Lenders

Austin

Pioneer Bank Central TX Regional President Chris Bourne

Chris Bourne
Regional President, Central Texas

Pioneer Bank Central TX Regional President Chris Bourne

Chris Bourne

Regional President, Central Texas
Email
512.829.0283

Chris leads Pioneer Bank’s team of commercial lenders in Central Texas. During his 20-year plus banking career in Austin, Chris has held numerous key leadership positions including Chief Lending Officer at Anthem Bank, Market President at Colonial Bank, First Vice President at IBC Bank and Senior Vice President at Citibank. He joined Pioneer Bank from American Bank where he served as Senior Commercial Lending Manager since 2011.

A native of Dallas, Texas, Bourne earned his undergraduate degree from the University of Texas at Austin and an MBA from the University of Texas at Dallas School of Management. In addition, he attended the SW Graduate School of Banking.

 “Pioneer is currently the largest locally headquartered bank in Austin, which to me means we are from here and want to serve our community. I enjoy working for a bank our size the most because we are able to provide sizable loans while providing a high level of customer service that only a community bank can provide. In a way, we are a “super community bank”.

 Outside Pioneer

 Chris enjoys working out, spending time with his family and exploring the outdoors with his Labrador, Colt. He also moonlights as a DYI expert at home.

Pioneer Bank Senior Vice President of Commercial Lending Donna Day

Donna Day
Senior Commercial Loan Officer

Pioneer Bank Senior Vice President of Commercial Lending Donna Day

Donna Day

Senior Commercial Loan Officer
Email
512.829.0283

Donna began her finance career in 1988 in Dallas, Texas. Less than a year later, she moved to Austin. And to this day, she remains a dedicated banking professional in the state’s capital.

Donna has worked as a commercial lender at Chase, Comerica, Regions Bank, Northern Trust and American Bank. She has helped and managed clients across different industries, closing transactions ranging from $50,000 to $250,000,000.

Now at Pioneer, Donna develops new client relationships and maintains existing ones, helping produce loans while bringing in deposits.

 She has a BBA in Finance from Texas Tech University and an MBA from Southern Methodist University.

 “I’m passionate about helping Austin companies grow and be successful. Being a banker has allowed me to meet and help so many interesting people. I love the ability to bring creative solutions to the table.”

Outside Pioneer

Kids and sports make up most of Donna’s life beyond Pioneer. She is a proud mother of three teenagers, actively supporting them in cross country, track and softball. She loves to play tennis and attend Camp Gladiator workouts.

Pioneer Bank Commercial Loan Officer Kyle Bubela

Kyle Bubela
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Kyle Bubela

Kyle Bubela

Commercial Loan Officer
Email
512.829.1920

Kyle has nine years of commercial banking experience. He worked at JPMorgan Chase & Co. for six years in relationship management, underwriting and middle-market lending.

At Pioneer, Kyle works closely with clients to help them turn big ideas into big achievements for their businesses. He uses his innate curiosity to find out where they want to go and then guides them through the lending process.

But securing loans is only half of the equation for Kyle. He actively finds different ways to support clients before, during and after closing. Creating meaningful, long-term relationships so they can explore more as their businesses grow.

“Helping clients find and secure the right business loan is one thing. Guiding them to new opportunities and enabling them to thrive in their community – now that’s where the magic happens. I strive to take care of my clients every step of the way to help them achieve their goals and then create new ones.”

Outside Pioneer

Always one for a culinary experience, Kyle enjoys eating delicious food from a range of cultures. He is also an avid outdoorsman, traveler and boating enthusiast. Most of all, he loves spending time with his family and their furry canine companion.

 

Pioneer Bank SBA Loan Officer Tim Legg

Tim Legg
SBA Loan Officer

Pioneer Bank SBA Loan Officer Tim Legg

Tim Legg

SBA Loan Officer
Email
512.829.0328

Timothy has worked in banking for more than 31 years, 18 of which are focused on SBA lending. He started his career in Houston and spent the last seven years serving the Austin community. Timothy has previously worked as a relationships manager at Regions Bank and Chase Bank.

At Pioneer Bank, Timothy specializes in the SBA 7(a) and 504 loan programs. He helps small business owners start, acquire or expand their business when conventional financing is either unavailable or SBA provides the best option.

“I really enjoy helping entrepreneurs follow their dreams of starting their own business. I also like helping existing business owners take their business to the next level through expansion and acquisition.”

Tim has a Diploma in Commercial Lending from the Center for Financial Training, run by the American Institute of Banking (AIB).

Outside Pioneer

Tim is an avid soccer player and plays in the Austin Men’s Soccer Association (AMSA) league. He also enjoys traveling and visiting new places.

Pioneer Bank Mortgage Loan Officer Tom Sauceda

Tom Sauceda
Mortgage Loan Officer

Pioneer Bank Mortgage Loan Officer Tom Sauceda

Tom Sauceda

Mortgage Loan Officer
Email
512.829.3523

At Pioneer Bank, Tom is responsible for new residential mortgage loans. He brings 27 years of residential lending experience in origination and training. He has worked as a mortgage specialist for financial institutions including BancorpSouth, Colonial National Mortgage and Bank of America.

“I get the honor of assisting families purchase their dream home.  Whether it’s their first or last, each client gets me excited to come to work in the morning and get to fulfill those dreams.”

Tom holds a Bachelor of Science from the University of Texas at Austin and is a member of the Theta Xi Fraternity.

Outside Pioneer

Tom is not only a sports aficionado but also a passionate mentor. He coaches youth baseball and volunteers as a track and field official – supporting his local community in fine Texan form.

Dripping Springs 

Pioneer Bank Commercial Loan Officer Steven Bourland

Steven Bourland
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Steven Bourland

Steven Bourland

Commercial Loan Officer
Email
512.829.2268

Steven has worked in the banking industry for more than 30 years, and even ventured out as an entrepreneur having owned his own CPA practice. He has served in various roles in banking including federal bank examiner, chief lending officer, compliance officer, auditor, loan review specialist and senior credit analyst. However, the majority of Steven’s career has focused on commercial lending.

At Pioneer Bank, Steven is responsible for several lending avenues such as construction and permanent financing for commercial real estate projects. He also addresses industrial lending including working capital and capital equipment related financing.

Steven’s philosophy is to learn as much as possible about his clients and their businesses so as to better serve them and build strong relationships. In doing so, he can present the right financing solutions and ensure both a smooth and efficient implementation from application to close.

“It’s really great to have a role in seeing such successful business people become even more successful. I enjoy building relationships with my clients. I also enjoy learning about their businesses. It’s a very educational job because I have the privilege of addressing so many different types of businesses and real estate related projects.”

Outside Pioneer

Steven enjoys spending time with his family and traveling. He also sings and plays the guitar in his spare time.

Pioneer Bank Mortgage Loan Officer Philip Granger

Philip Granger
Mortgage Loan Officer

Pioneer Bank Mortgage Loan Officer Philip Granger

Philip Granger

Mortgage Loan Officer
Email
512.829.2233

Phillip has more than 27 years of banking experience with several mortgage brokers as well as national regional and community banks. With a proven track record of success in mortgage lending, he has managed people, budgets, forecasting and data analysis.

At Pioneer Bank, Phillip has established long-term relationships with members of the community by exploring opportunities and finding the right solutions to realize their visions. His lending responsibilities extend across all residential real estate including purchase, construction, lots and refinancing. 

“I enjoy helping families with what is, for most folks, the biggest investment or purchase they will ever make for their family.”

Outside Pioneer

Phillip is an avid skier and horseman, and pursues many activities with family and friends – all while living the dream in Dripping Springs, Texas.

A member of the Dripping Springs Chamber of Commerce 2018 Leadership class, Phillip devotes a good deal of his time working with the organization. He is also actively involved in many local community projects.

San Marcos

Pioneer Bank Commercial Loan Officer Michael Prince

Michael Prince
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Michael Prince

Michael Prince

Commercial Loan Officer
Email
512.829.2238

At Pioneer Bank, Michael manages commercial lending activities for San Marcos and surrounding areas. With more than 16 years of experience, he has acquired a wide range of banking knowledge across commercial real estate and development, company acquisitions and financing.

He worked as a credit analyst, auditor and lender before landing managerial roles and becoming an SVP. Businesses large and small have looked to Michael for their financial needs – from small startup capital to major expansion funds.

Michael has a Bachelor’s degree in Finance from Oklahoma State University. He also attended the SW Graduate School of Banking.

“I’m passionate about helping local business owners. I enjoy helping them develop financial solutions that target their specific needs and help them achieve their goals.”

Outside Pioneer

Michael’s pursuits range from trout fishing and traveling to exploring Austin and wine vineyards in the Hill Country. He is also an avid college football fan.

Pioneer Bank Commercial Loan Officer Doug Olson

Doug Olson
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Doug Olson

Doug Olson

Commercial Loan Officer
Email
512.829.2237

Doug specializes in commercial lending for the San Marcos community. His local knowledge helps him explore opportunities with his clients that specifically meet the needs of their markets.

 With 12 years of experience, he has worked in many banking capacities serving Texas businesses and local communities. Before joining Pioneer Bank, he worked at The Bank and Trust of Bryan/College Station.

 Doug has a BBA in Finance from McCoy College of Business Administration at Texas State University.

 “I enjoy working in a smaller community like San Marcos, with local businesses and helping them grow to full potential.”

Outside Pioneer

 Aside from spending time with friends and family, Doug pursues a range of seasonal outdoor activities. In summer, he likes to hang out at Canyon Lake, go scuba diving and camping. When winter comes around, Doug enjoys riding all-terrain vehicles.

Houston

Pioneer Bank Houston Regional President David Webster

David Webster
Regional President, Houston

Pioneer Bank Houston Regional President David Webster

David Webster

Regional President, Houston
Email
281.632.1408

Bringing 40+ years of banking experience, David is responsible for building the Pioneer Bank’s commercial lending team and presence throughout Houston.

 He joined Pioneer Bank from Texas Capital Bank where he managed an eight-person team, as well as loan and deposit portfolios of nearly half a billion dollars each. With more than 35 years of commercial and industrial lending experience, David also has worked for Encore Bank, Wells Fargo, Coastal Bank, First Heights/ Prime Bank, and First City during his career.

He holds both a BBA and an MBA from the University of Houston.

 “I love to help people succeed not only with their business but with their lives.  When you care and work hard, wonderful things happen.”

 Outside Pioneer

 A family man and avid traveler, David relishes every chance he gets to explore new places with his wife and hang out with his kids. He also enjoys taking his clubs out for a swing at the golf course and mowing the grass in the name of home maintenance.

 He currently serves on the Board of Trustees for the Goodwill Industries of Houston and the Board of Directors for Vecino Health Centers, which provides healthcare to underserved citizens in the Denver Harbor, Airline and Aldine communities.

Pioneer Bank Ft. Bend Market President Tim Stubenrouch

Tim Stubenrouch
Commercial Market President, Sugar Land

Pioneer Bank Ft. Bend Market President Tim Stubenrouch

Tim Stubenrouch

Commercial Market President, Sugar Land
Email
281.632.1407

Tim has more than 25 years of banking experience in C&I, CRE and E&P lending. He has worked in businesses ranging from small community banks to large financial institutions.

Tim is responsible for commercial lending in Fort Bend County and Sugar Land.

“I enjoy working with small to large businesses to find financing solutions catered to their needs.”

Outside Pioneer

Tim enjoys spending time with his family and traveling. He is also an avid golfer.

Pioneer Bank Director of Commercial Real Estate Rick McKinnerney

Rick McKinnerney
Commercial Real Estate Director

Pioneer Bank Director of Commercial Real Estate Rick McKinnerney

Rick McKinnerney

Commercial Real Estate Director
Email
281.632.1426

With 36 years of banking experience, Rick has worked for a variety of institutions in Houston, Boston and Washington D.C. He has held roles across credit analysis, commercial lending, portfolio management, loan work-outs/foreclosures and credit risk management.

Rick has originated more than $2 billion of CRE loans throughout his career including more than $1.5 billion secured by CRE projects in Texas alone. At Pioneer Bank, Rick specializes in financing commercial real estate properties mainly in the Greater Houston area. 

“I’m passionate about building longstanding customer relationships and enjoy seeing projects that were once only a vision become a reality. It’s all about helping customers succeed, even in the face of unforeseen difficulties and unanticipated obstacles.”

Outside Pioneer

Rick has a list of hobbies as long as the distance from Boston to Houston. He enjoys family activities with his wife and three kids, traveling, gardening, snow skiing, golfing, sporting clay shooting and freshwater fishing. Rick also plays the fiddle and bass guitar, and volunteers for church and community-related activities and missions.

Rick has a BA and majored in Finance at the University of Texas at Austin. He is both a graduate and graduate instructor at Dale Carnegie, and retains memberships with the NAIOP and ICSC.

Pioneer Bank Galleria/Uptown Market President Rose Chen

Rose Chen
Commercial Market President, Galleria/Uptown

Pioneer Bank Galleria/Uptown Market President Rose Chen

Rose Chen

Commercial Market President, Galleria/Uptown
Email
281.632.1420

Rose has 26 years of commercial banking experience at several local banks including Sterling Bank, Encore Bank and most recently, she served as senior vice president at Texas Capital Bank.

Rose brings a unique knowledge of the different communities within the Houston business market for Pioneer to serve a diverse customer base throughout Houston.

She has a Bachelor’s degree in International Economics with a minor in finance from Texas Tech University.

“I enjoy seeing business grow and being the liaison between business and the bank.”

Outside Pioneer

Rose is an avid runner and enjoys stretching out while finding her balance through hot yoga. She is also involved in numerous charity and community organizations.

Rose has served on the Board of Directors of Asian American Family Services (AAFS), the Asian Chamber of Commerce, Asian Pacific American Heritage Association (APAHA) and is involved in a number of other organizations including the Greater Houston Women Chamber of Commerce, the National Association of Women Business Owners (NAWBO) and the Asia Society Texas Center.

Pioneer Bank North Houston Market President Danny Schroder

Danny Schroder
Commercial Market President, The Woodlands

Pioneer Bank North Houston Market President Danny Schroder

Danny Schroder

Commercial Market President, The Woodlands
Email
832.813.0703

Danny has more than 35 years of banking and private equity experience in large national institutions and local community banks.

 At Pioneer Bank, he is responsible for sourcing commercial business including loans and deposits across The Woodlands, Tomball and wider North Houston area.

 Danny has a BA in Finance from Louisiana State University and an MBA in Finance from Capella University. He is also the former chairman for The Woodlands Chamber of Commerce.

 “Helping people achieve their goals and encouraging others’ success is rewarding to me.”

 Outside Pioneer

 With three daughters, Danny Schroder is constantly on the go. But when the opportunity presents itself, he will readily pack some clubs and head to the golf course for a game or two. He also enjoys traveling with his family and exploring new places.

Pioneer Bank Commercial Loan Officer Susan Brooks

Susan Brooks
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Susan Brooks

Susan Brooks

Commercial Loan Officer
Email
281.632.1453

Susan has 18 years of commercial banking experience. She started her career at a call center where she analyzed credit card transactions for fraud. Since then, she has worked as a loan processor, underwriter, servicer and portfolio manager.

Now a lender on the residential and corporate real estate (CRE) side, Susan grows and manages Pioneer’s Builder Finance and CRE portfolio.

She has a Bachelor of Science in Economics from Arizona State University and a Certificate of Accounting from University of Houston.

“I love seeing a client present an idea to me for financing and seeing it being created. It’s fun to see an undeveloped piece of land go to a master planned community with schools, walking trails, parks and vibrant growing families. It gives me a great feeling of satisfaction that I am a part of it.”

Outside Pioneer

Much of Susan’s world revolves around her five-year-old daughter, Molly, and her husband, Buddy. As a family, they enjoy traveling and hanging out with friends every chance they get. Susan also likes to keep fit, having recently signed up for her second half marathon.

Pioneer Bank Director of Government Lending Barry Anderson

Barry Anderson
Government Lending Director

Pioneer Bank Director of Government Lending Barry Anderson

Barry Anderson

Government Lending Director
Email
281.632.1464

Barry has more than 36 years of banking experience. He specializes in SBA lending working with customers throughout Texas and managing all aspects of government guaranteed lending. He manages the Pioneer Bank SBA/USDA Lending team.

“Working with our customers, I learn something new every day. Whether it’s an industry that I did not know existed or a new way to produce or deliver products and services.”

Outside Pioneer

When Barry isn’t guiding and supporting Pioneer customers, the outdoor beckons. An adventure is always around the corner – whether it’s fishing or exploring.

Pioneer Bank SBA Loan Officer Jon Sullivan

Jon Sullivan
SBA Loan Officer

Pioneer Bank SBA Loan Officer Jon Sullivan

Jon Sullivan

SBA Loan Officer
Email
281.632.1465

Jon has 12 years of SBA financing experience, serving customers in a variety of roles including closing coordinator, funding processor and loan production.

He specializes in exploring the best path for customers to grow their businesses while entertaining both SBA 504 and SBA 7A loan structures.

Jon holds a BBA from Texas A&M-Corpus Christi.

“I enjoy most when an existing customer calls me back and asks for another loan request without thinking of calling another bank. Customer service and responsiveness – these are my two most valuable qualities.”

Outside Pioneer

Jon’s daily training regimen consists of following two toddlers around, threatening them to behave every 10-15 minutes. He also enjoys playing golf and embarking on the occasional ski trip. 

Pioneer Bank Mortgage Loan Officer Dyna Mote

Dyna Mote
Mortgage Loan Officer

Pioneer Bank Mortgage Loan Officer Dyna Mote

Dyna Mote

Mortgage Loan Officer
Email
281.632.1512

Dyna has 26 years of banking and mortgage experience. She is a licensed mortgage loan originator and has been affiliated with many successful builder joint ventures. In 2007, Dyna received the Top Producer Award for her work.

 Responsible for loan origination, Dyna prequalifies and helps customers decide on the best product and program for the origination of a mortgage.

 “I love helping others get into new homes, saving money on their current mortgages and creating a lasting positive experience with myself and the mortgage lending department.”

Outside Pioneer

 With a penchant for travel, Dyna is drawn to the allure of visiting new cultures and learning everything about them. She also enjoys attending wine tastings, musicals and plays.

 Dyna’s four-year-old grandson is a source of constant joy for her, cherishing every moment she gets to play with him and watch him grow.

San Antonio

Pioneer Bank Commercial Market President John Danielson

John Danielson
Commercial Market President

Pioneer Bank Commercial Market President John Danielson

John Danielson

Commercial Market President
Email
210.821.1349

John brings more than 30 years of commercial and retail banking experience to help Texas businesses grow and thrive.

He most recently served as the chief banking officer for a publicly traded regional bank before joining Pioneer Bank. He currently leads the team’s commercial banking efforts in the greater San Antonio area.

John has a BBA in Finance and an MBA from the University of Florida.

“I enjoy relationship building with prospects and clients, and then helping them achieve financial and business success while pursuing their goals for their companies.”

Outside Pioneer

John and his wife have been married for nearly 30 years. They love traveling, saltwater fishing and cheering on the Florida Gators.

Pioneer Bank Commercial Loan Officer Billie Galvin

Billie Galvin
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Billie Galvin

Billie Galvin

Commercial Loan Officer
Email
210.403.1733

Billie has more than 35 years of experience in all aspects of the banking industry. This includes 10 years of executive level credit management for a global manufacturing conglomerate. She has extensive knowledge of financial analysis, commercial and commercial real estate lending.

Billie is a current board member and past secretary of the Texas Chapter of RMA, and a current Board member and past president of the San Antonio Chapter of RMA.

At Pioneer Bank, Billie manages a commercial loan portfolio and is also responsible for growth through business development. She provides commercial credit services to customers and prospects according to specific lending limits and approved Bank Policy.

“I’m passionate about working with business clients and being a partner with them in the growth and success of their business. I love to make commercial construction loans for a client’s new office building or retail shopping center, and take pride in the fact that our bank provided the financing on that project.”

Outside Pioneer

Aside from being the world’s greatest grandmother to her two granddaughters, Billie enjoys gardening and walking and playing with her three dogs.

Pioneer Bank SBA Loan Officer Margo Harding

Margo Harding
SBA Loan Officer

Pioneer Bank SBA Loan Officer Margo Harding

Margo Harding

SBA Loan Officer
Email
210.738.9520

Margo has more than 25 years of banking experience specializing in SBA financing, including six years as an SBA underwriter and eighteen years as an SBA loan officer.

She works with entrepreneurs to determine the right financing solution for small business expansions, start-ups and franchise projects to name a few. She focuses on SBA financing project structuring, underwriting and closing, utilizing both the SBA 7(a) and 504 loan programs. 

Margo is a certified public accountant and holds an MBA from the University of Texas at Austin.

“I strive to identify the right financing solution, which is more than just being a ‘loan officer’. Rather, it is being an advocate for entrepreneurs to pursue the American Dream. It is very satisfying to work with individuals making the exciting and challenging leap to the entrepreneur world, as well as work with small businesses to take the next step.”

Outside Pioneer

A dog training and competition enthusiast, Margo has participated in the annual AKC National Agility Championship three times with her canine companion Bullitt.

Dallas

Pioneer Bank Commercial Loan Officer Frank Pecorino

Frank Pecorino
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Frank Pecorino

Frank Pecorino

Commercial Loan Officer
Email
972.470.4013

Frank has worked in banking for two decades, spending 11 years in a credit underwriting role and more than five years as a commercial lender.

 He serves the Dallas-Fort Worth market, assisting local businesses to secure financing for real estate, equipment and working capital needs.

Frank has a BBA in Finance from Lamar University in Beaumont.

 “I like meeting with people and hearing their life experiences on how they became successful business owners. It feels great to connect with them and be a trusted partner with their financial needs.”

Outside Pioneer

 Frank loves spending time with his wife and two boys, participating in activities ranging from kids’ sports to hunting and fishing.

 He also serves on the Finance Committee and the Capital Campaign Committee of his local church.

Pioneer Bank SBA Loan Officer Jacob Kim

Jacob Kim
SBA Loan Officer

Pioneer Bank SBA Loan Officer Jacob Kim

Jacob Kim

SBA Loan Officer
Email
972.470.4015

Jacob has worked in banking for eight years, starting his career as an underwriter in New York before becoming an SBA lender. He is responsible for business development within Pioneer Bank’s SBA lending portfolio.

Curious by nature, Jacob takes the time to learn about each customer’s business situation. He diligently examines every aspect of their operation, talks with them about their goals and guides them to financial solutions that help them go farther.

“I enjoy helping small business owners reach their dreams.” 

 Outside Pioneer

 Jacob enjoys taking his clubs out for a drive and teeing off among the hills and bunkers of the golf course. He also takes every opportunity to go off-grid and camp with friends.

East Texas

Pioneer Bank Commercial Loan Officer Melinda Gardner

Melinda Gardner
Commercial Loan Officer

Pioneer Bank Commercial Loan Officer Melinda Gardner

Melinda Gardner

Commercial Loan Officer
Email
936.544.5625

Melinda began working for Pioneer Bank, formally First National Bank of Crockett and First Community Bank, in 1987. She has held multiple roles across operations, lending and real estate.

With more than 30 years at the bank, she has developed lasting relationships with her co-workers and customers – many of whom are neighbors, friends and family.

Melinda is currently responsible for the bank’s local business and agriculture loan portfolio.

“I work to establish long-term with my customers. They have been loyal to me and Pioneer Bank, and have adapted to many changes along the way. I enjoy my job of helping them expand and grow their businesses.”

Outside Pioneer

Melinda and her husband spend most of their time with their children. She is also involved with the Crockett Athletic Booster Club at Crockett High School serving as the Treasurer for several years.

She is also part of the fundraising committee of The Michelle Lynn Holsey Foundation, helping with the annual concert and auction.