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

Bill
William C. “Bill” Wiedel, Jr

CEO & President, Director

William C. “Bill” Wiedel, Jr

CEO & President, Director

With over 41 years of banking and finance experience, Bill Wiedel has a broad range of financial expertise, including serving as CFO of a public community bank, holding multiple finance roles at a regional bank and serving as a manager at Ernst & Young.

 

Throughout Bill’s tenure at CFG Bank, he has led the company through year-over-year profitability increases and built a talented senior management team that exudes company values and embraces a whatever-it-takes attitude to accomplish goals. Bill has also led restructuring efforts to best align business support areas with sales propositions and to support cross sales efforts between CFG’s commercial banking and healthcare divisions. Recently, Bill spearheaded a project team that upgraded CFG’s online and mobile banking platform and created the Commercial Center, which provides businesses new tools and technology to support their needs, while still ensuring the CFG Bank personalized level of care.

 

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

Dan
Daniel Baird

Chief Operating Officer, Capital Funding Group, Inc.

Daniel Baird

Chief Operating Officer, Capital Funding Group, Inc.

Chris C
Chris Chick

Chief Operating Officer & Chief Lending Officer

Chris Chick

Chief Operating Officer & 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.

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. 

Mike
Mike Hoehn

Chief Credit Officer - Commercial Bank

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 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.

Meet the Commercial Banking Team

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

Chris Chick

Chief Operating Officer & Chief Lending Officer

Chris Chick

Chief Operating Officer & 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.

Erik M. Chick

Market Executive

Erik M. Chick

Market Executive

Nicole Donegan

Strategic Planning Director

Nicole Donegan

Strategic Planning Director

Grace Doyle

Vice President, Capital Markets Group

Grace Doyle

Vice President, Capital Markets Group

Tracy Hall

Vice President, Commercial Relationship Manager

Tracy Hall

Vice President, Commercial Relationship Manager

Josh Plemmons

Vice President, Commercial Relationship Manager

Josh Plemmons

Vice President, Commercial Relationship Manager

Dan Wernecke

Senior Vice President, Commercial Relationship Manager

Dan Wernecke

Senior Vice President, Commercial 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, Capital Markets Group

Richard Yoskey

Vice President, Capital Markets Group

Chris Zoeller

Vice President, Commercial Relationship Manager

Chris Zoeller

Vice President, Commercial Relationship Manager

Rod Morrison

Vice President, Portfolio Manager

Rod Morrison

Vice President, Portfolio Manager

Alex Liberatore

Portfolio Manager

Alex Liberatore

Portfolio Manager

Meet the Cash Management Team

Amanda Brown

Vice President, Cash Management

Amanda Brown

Vice President, Cash Management

April Haley

Cash Management Specialist

April Haley

Cash Management Specialist

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

Sandeep Kaur
Sandeep Kaur

VP Branch Manager, Lutherville Branch

Sandeep Kaur

VP Branch Manager, Lutherville Branch

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.

Suhas Shah

Director

Suhas Shah is the Managing Partner and founder of Intyllus Advisors, LLC and BPS & Associates, LLC. With over thirty-five years of experience, the companies provide auditing, accounting, tax and business advisory services to a broad range of clients engaged in a variety of industries, including healthcare, construction, information technology, government contracting, manufacturing, and legal services.

 

Suhas has extensive experience in accounting, tax and business consulting, litigation support, strategic planning, negotiating mergers and acquisitions, succession planning, advising clients in international tax implications, process improvement and organizational change, financial/tax planning and analysis, estate planning, computer applications and accounting systems design and implementation.

 

Throughout his career, he has conducted accounting and analysis engagements for publicly and privately held companies in connection with contractor claims, shareholder disputes, contract review, and other forms of litigation. Suhas has successfully managed numerous mergers and acquisitions and related due diligence matters including transactions ranging from $5 million to $667 million.

 

Suhas received his B.S. in Accounting & Economics from the University of Bombay, India and obtained his Certified Public Accountant license in 1990. In addition to being a Certified Public Accountant (CPA), Suhas is also a Certified Construction Industry Financial Professional (CCIFP) and Chartered Global Management Accountant (CGMA).

 

Suhas is a member of several professional organizations including the American Institute of Certified Public Accountants (AICPA), Maryland Association of Certified Public Accountants (MACPA), Construction Financial Management Association (CFMA), The Alliance of Merger & Acquisition Advisors (AM&AA).

 

Suhas has authored several books which were taught in undergraduate studies relating to accounting, finance, cash flows & ratio analysis. His article, “Certain Issues on Consolidation of Parent/Subsidiary Companies,” was published in the winter of 1983, in the Journal of Chartered Accountancy in India.

 

Suhas currently serves as a member of the board and audit committee of CFG Bank. Previously, he served on the Board of Directors of Integra Connect, LLC, a multi-national healthcare technology and services company. In addition, he was a member of the board and chairman of audit committee of Old Line Bank, a publicly held FDIC regulated Maryland bank.

William C. “Bill” Wiedel, Jr

CEO & President, Director

William C. “Bill” Wiedel, Jr

CEO & President, Director

With over 41 years of banking and finance experience, Bill Wiedel has a broad range of financial expertise, including serving as CFO of a public community bank, holding multiple finance roles at a regional bank and serving as a manager at Ernst & Young.

 

Throughout Bill’s tenure at CFG Bank, he has led the company through year-over-year profitability increases and built a talented senior management team that exudes company values and embraces a whatever-it-takes attitude to accomplish goals. Bill has also led restructuring efforts to best align business support areas with sales propositions and to support cross sales efforts between CFG’s commercial banking and healthcare divisions. Recently, Bill spearheaded a project team that upgraded CFG’s online and mobile banking platform and created the Commercial Center, which provides businesses new tools and technology to support their needs, while still ensuring the CFG Bank personalized level of care.

 

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

 

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

Barb Clapp

Director

Barb Clapp is the Founder and CEO of Clapp Communications, a full-service international marketing and public relations firm headquartered in Baltimore since 2001. She sold the agency December 2019. Barb is a C-Level Advisor for the Emerging Technology Centers and a sought after speaker on leadership, overcoming challenges and business strategy. She is also a Director of CFG Bank Board of Directors. A graduate of Loyola University, Barb has received awards and recognition for her CEO leadership over the years which include, most recently, Public Relations Society of America’s Lifetime Achievement Award, The Daily Record’s Most Influential Marylander, Most Admired CEO, Top 100 Women, and induction into both the Circle of Leadership and Circle of Excellence.

 

Barb also serves on the boards of the Baltimore Public Markets Corporation, Signal 13 Foundation and Maryland SPCA. A committed community advocate, she has served on The Humane Society of the United States Humane Policy Leaders, as Chair of the Maryland SPCA's March for the Animals, sponsored American Diabetes Association CEOs for Stopping Diabetes and was a 2016 Alzheimer’s Association Memory Ball dancer.

Jeff Cherry

Director

Jeff Cherry is a seasoned CEO, entrepreneur, corporate executive, startup advisor, venture and wall street investor, speaker and writer with a track record of strategic execution and innovation. Over the last 35 years he has built award winning companies in engineering, design, strategic consulting and investment management. He has been a trusted advisor to Fortune 500 executives, government agencies and startups, with a focus on helping teams understand customers and build dynamic, high-performing organizational cultures.

 

Jeff has a unique combination of C-Suite experience and a startup entrepreneur's DNA. In his capacity as general partner of the Conscious Venture Fund he has advised, invested in and helped launch more than 100 early-stage venture backed companies. He has worked with corporate venture programs and has acted as an advisor to a Vatican based startup studio.

 

He brings corporate governance and strategic guidance experience through his work on corporate boards, as a long-time management consultant, and investment manager. He currently sits on the board of McKean Defense Group, a $100MM engineering services company where he advises the company on organizational culture and technology trends and serves on the Compensation Committee. He also sits on the board of Hungry Harvest, LLC, a food delivery startup where he recently assisted with the closing of their $13.7MM Series A financing. He advises the company on fund raising, strategic execution and M&A strategies.

 

Jeff founded his first venture in 1985 as a 25-year-old graduate student at the Catholic University of America, where he earned a Bachelors and Masters degree in Architecture. That first company was named one of the fastest growing companies in America by Inc. Magazine in 1997 and was the foundation for the launching of 5 other ventures.

 

He is regarded as a leading authority on the ideas of organizational culture and design, stakeholder management and innovation. He has written articles on organizational culture and stakeholder management for Conscious Company Magazine and the Huffington Post and has been profiled on Forbes.com as well as in the Baltimore Sun. He has been honored as one of the top 10 people in technology in Baltimore by the Baltimore Business Journal. In 2018 he was awarded the inaugural Laudato Si Challenge Impact award at the Vatican for entrepreneurs who are leading the charge to change the relationship between business and society. More recently, the tech journal Technical.ly named Jeff their 2020 Baltimore Impact Leader of the Year. The Conscious Venture Lab accelerator which he founded in 2013 was named one of the 10 greatest social impact programs in the world in 2019.

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