Executive Management

Hands On. All Howard Bank Employees Are Empowered to Help You.

Mary Ann Scully

Mary Ann Scully

Chairman, Chief Executive Officer

Mary Ann Scully is the President and Chief Executive Officer of Howard Bank and chairs the bank’s board of directors. She is a lifelong banker with over 30 years of varied executive experiences in the Maryland marketplace. In 2003, she headed the organizing team for Howard Bank. Howard Bank serves small and medium sized businesses in Greater Baltimore – Anne Arundel County, Baltimore County, Harford and Cecil Counties and Howard County from its birthplace in Ellicott City and thirteen branch offices. The bank also serves home buyers through mortgage offices in Baltimore, Anne Arundel, Harford and Howard County. Mary Ann has successfully led the company through 7 equity raises and SEC Act 34 registration as well as four business combinations.

Mary Ann is Past Chair of the Maryland Bankers Association and Past Chair of the Community Foundation of Howard County. Mary Ann is presently a trustee and President of the board of Associated Catholic Charities, a trustee and corporate campaign co -chair of Kennedy Krieger Institute, a board member of the Greater Baltimore Committee and a trustee of Mount St Joseph College/High School. She is a trustee for the Community Foundation of Howard County Real Estate board and a member of the UMBC Board of Visitors. She also serves as a board member of the Baltimore Federal Reserve and a Community Advisory board member for the FDIC. She has served as a member of the Maryland Economic Development and Business Climate Commission. She is an active member of St. Louis Parish in Clarksville, Maryland. She is a 2007 graduate of Leadership Maryland.

In 2007, Mary Ann was recognized as an honoree in the Howard County Women’s Hall of Fame; she was named Entrepreneur of the Year by the Howard County Chamber of Commerce. She received the Howard County “Good Scout” award from the Baltimore Area Council of the Boy Scouts of America in 2011. In 2002, 2005 and 2007, Mary Ann was recognized as one of Maryland’s Top 100 Women by The Daily Record, was a 2008, 2012 and 2016 Daily Record Influential Marylander, a 2012, 2015 and 2016 Most Admired CEO and was a winner of a 2012 Trailblazer Award presented by the Baltimore Center Club. She is a Loyola University Alumni laureate and a Seton Hill University Distinguished Alumna. She was named one of the Top 25 Women to Watch in Banking by the American Banker in 2016.

Robert A. Altieri

Robert A. Altieri

Executive Vice President, President Of The Mortgage Division, Head Of Specialty Lending

Mr. Altieri serves as Executive Vice President of the Bancorp, and Executive Vice President, President of the Mortgage Division and Chief Specialty Lending Officer of Howard Bank. He has held these positions since April 2013.

Prior to joining Howard Bank, Mr. Altieri was most recently the Chief Executive Officer and President of Carrollton Bancorp, Carrollton Bank, Carrollton Mortgage Services, Inc. and Carrollton Community Development Corporation where he served in that capacity for nearly 12 years. Prior to that, he served as a Senior Vice President and Chief Lending Officer for Carrollton Bank.

Mr. Altieri is active in the community through various organizations. He currently serves as a Director for Junior Achievement and was recently appointed to the Maryland Home Improvement Commission. He is a past director of the House of Good Sheppard, Howard Hospital Foundation, Independent College Fund (IFUND) and HC Drug Free plus numerous other non-profit organization. Mr. Altieri was also the past director and treasurer for the Columbia Youth Hockey Club, Inc. and past president and director of the Glenelg Hockey Club. Mr. Altieri has over 31 years of experience in the commercial banking industry.

Updated 07/19/16

Charles E. Schwabe

Charles E. Schwabe

Executive Vice President, Chief Risk Officer, Secretary

Charlie serves as Executive Vice President and Secretary of the Bancorp, and Executive Vice President, Chief Strategic Risk Officer and Secretary of Howard Bank. Mr. Schwabe has served as Executive Vice President and Secretary of the Company since December 2005 and as Executive Vice President and Secretary of Howard Bank since the founding of Howard Bank in 2004 and was appointed Chief Strategic Risk Officer in December 2014. He previously served as Chief Administrative Officer, Chief Information Officer, Information Security Officer, Compliance Officer and Chief Operational Risk Officer of the Bank from the founding of the Bank in 2004 until December 2014. Mr. Schwabe provides leadership for the assessment and management of enterprise risk which encompasses asset quality, compliance and operational risk, cyber and physical security risk. The Chief Credit Officer, Chief Compliance Officer and Chief Security Officer report to Mr. Schwabe.

Prior to joining the organizing group for Howard Bank, he was employed by Allfirst Bank (now M&T Bank) from 1988 through April 2003. He served as Senior Vice President and Manager for the Customer Relationship Management Program as well as the Strategy and Planning Director for the Technology, eCommerce and Operations Division. At Allfirst Bank, he was also Vice President of Strategic Planning for the Mergers and Acquisitions Division and Vice President and Group Marketing Head for small business and retail product development and management. Prior to working at Allfirst Bank, he was a consultant and senior manager for a marketing firm that specialized in the health care and financial services industries. Mr. Schwabe has over 27 years of banking management experience and another seven years as a marketing strategy consultant to the banking, retail and business services industries.

Charlie is a Trustee of Center Stage, the nationally recognized State Theater of Maryland located in Baltimore, serving on the finance, marketing and major gifts committees, and he is currently the Chair of Center Stage’s Corporate Committee. Charlie serves on the Board of Directors of Maryland Bank Services, Inc., a subsidiary of the Maryland Bankers Association, and was Chairman of the Board from 2013 to 2015. Mr. Schwabe also serves on the Community Reinvestment Act (CRA) Advisory Board for CRA Partners (a division of Senior Housing Crime Prevention Foundation) based in Memphis, Tennessee, the Columbia Festival of the Arts Investment Committee and the Safe Systems Advisory Board. He has served as President and Chairman of the Columbia Festival of the Arts Board of Trustees, President of the Baltimore Chapter of the American Marketing Association, and Chair of Catholic Charities of Baltimore’s Our Daily Bread Employment Center Gala Committee.
 
 

George Coffman

George Coffman

Executive Vice President, Chief Financial Officer, Chief Investment Officer

George serves as Treasurer, Executive Vice President and Chief Financial Officer of the Bancorp and Treasurer, Executive Vice President, Chief Financial Officer and Chief Investment Officer of the Bank. He has held these positions since the opening of the Bank in 2004 and since December 2005 with respect to Howard Bancorp. Mr. Coffman also serves as Chief Interest Rate and Liquidity Risk Officer of Howard Bank. Mr. Coffman provides leadership for the financial management and investment operations of Howard Bank. In this role, he directly manages all of the corporate accounting functions, management and regulatory reporting preparation, and compliance with accounting principles and disclosure requirements. Mr. Coffman also is responsible for the management of interest rate risk, budgeting and financial planning, and tax planning and reporting. Other duties include directing the investment portfolio, as well as overall funds management, and investor relations. Mr. Coffman is a Certified Public Accountant. He also serves as the Bank’s Chief Investment Officer.

Prior to joining the organizing group of Howard Bank, Mr. Coffman held several senior financial management positions at Maryland-based financial institutions, including Mercantile Bank in Baltimore (now PNC Bank), Farmers & Mechanics Bank in Frederick (now PNC Bank), Sequoia Bank in Bethesda (now United Bank), and Citizens Bank of Maryland in Laurel (now SunTrust Bank). Mr. Coffman has more than 26 years of experience in the operations, accounting, investment and finance areas of commercial banks in the central Maryland area.

James D. Witty

James D. Witty

Executive Vice President and Chief Commercial Banking Officer

Mr. Witty Joined Howard Bank as Executive Vice President and Chief Commercial Banking Officer in May of 2016. He is responsible for all commercial business development and relationship management in the Howard Bank footprint. A seasoned executive, Jim has over twenty-seven years of banking experience. Most recently, Jim served as the Maryland Regional President for BB&T. While at BB&T, Jim was responsible for managing the commercial and retail operations for the Maryland Region including small business lending, commercial real estate, commercial and industrial lending and 98 retail locations. Jim played a key role in the integration of Susquehanna Bank into the BB&T organization. Prior to the integration with BB&T, Jim served as the Regional President for the greater Baltimore region of Susquehanna Bank. Jim’s previous experience includes Commercial Banking Unit Manager for PNC in Baltimore and various roles for Mercantile including manager of the Asset Based Lending Department, Commercial and Industrial Unit Banking manager, Commercial Relationship Manager and Credit Analyst.

Jim is well known and well respected as a leader in the banking community. Throughout his banking career across the Greater Baltimore market, Jim has been successful in building his reputation as a banker’s banker with a long track record for developing differentiated team potential, proactive market leadership, sustainable business development and committed relationship management. Jim graduated from Lehigh University in 1988 with a degree in Finance. Jim also serves on several local boards and committees demonstrating his commitment to volunteer leadership in our communities.

Steven M. Poynot

Steven M. Poynot

Executive Vice President, Chief Administrative Officer

A banker for his entire career, Steve currently serves as an Executive Vice President and Credit Administrative Officer for Howard Bank. Before moving into the CAO role, he was the Chief Credit Officer for the bank and spent a period of time building out the commercial banking infrastructure for Howard Bank with the creation of the Credit department as well as the Client Services Support Team. Prior to moving into a Senior Management role at Howard Bank, Steve was a Relationship Manager focused on growing the commercial customer portfolio with a mix of commercial businesses as well as commercial real estate clients. Prior to joining Howard Bank, he was a member of the Commercial Real Estate Lending group for Mercantile-Safe Deposit & Trust Company (Now PNC Bank), located in Baltimore, MD.

Since joining Howard Bank in 2005, and moving into the Howard County community in 2006, Steve has been involved in a number of community organizations. He currently serves on the Board of the House of Ruth. He served for ten years on the Board of The Howard County Arts Council (President & Treasurer), a Board member of The Bright Minds Foundation (the educational foundation for the Howard County Public Schools), he is a past member of various committees for Leadership Howard County, as well as a member of the Howard County Spending Affordability Committee from 2012 - 2018. A 2011 graduate of Leadership Howard County, he has been recognized as a Next Leader in Banking from the MBA, Howard County’s Finest 39 under 39 from the Cystic Fibrosis Foundation, and the Baltimore Business Journals 40 under 40. He graduated from the University of Baltimore with a Bachelor’s Degree and from Loyola University of Maryland with his MBA.

Steve and his wife live in Ellicott City with their three children.

Robert D. Kunisch, Jr.

Robert D. Kunisch, Jr.

President

Robert Kunisch has spent his entire banking career in Maryland, beginning in 1990 at Mercantile-Safe Deposit and Trust Company and later its acquirer, PNC Bank. After holding several management positions, he turned down the opportunity to serve as president of PNC’s greater Baltimore market in 2007. Preferring to work for a smaller community bank, Kunisch joined Wilmington Trust FSB in 2008. When M&T Bancorp acquired the bank in 2011, he again pursued his desire to work at a community bank by joining 1st Mariner Bank as a consultant to the board. He led a group of local Baltimore investors who acquired 1st Mariner Bank in 2014, whereas he assumed the role of President. Kunisch took over as 1st Mariner Bank's Chief Executive Officer in July of 2017. After 1st Mariner Bank was acquired by Howard Bank in January 2018, Kunisch took over as President of Howard Bank.

Kunisch holds an MBA from the Sellinger School of Business and Management, Loyola University Maryland and a BA from Providence College, Providence Rhode Island. Kunisch is currently the Chairman of Saint Ignatius Loyola Academy, a tuition free school for 6th-8th grade boys in Baltimore City. His past community involvement includes the United Way and the Independent College Fund.

Randy Jones

Randy Jones

Executive Vice President, Chief Credit Officer

Thomas (Randy) Jones has over 26 years of commercial banking experience in Maryland. He began his career as a Credit Analyst for Mercantile-Safe Deposit and Trust Company, and he now holds the position of Chief Credit Officer at Howard Bank. During the course of his career he has held positions in Credit, Commercial Lending and Loan Review. After the acquisition of Mercantile Bankshares by PNC in 2006, he served as the Maryland Market Credit Executive of PNC for seven years before joining 1st Mariner Bank in 2014 as Chief Credit Officer. Mr. Jones earned his Bachelor of Science from Wake Forest University and his Masters of Science from Johns Hopkins University.

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