David Gill
Doylestown
Summary
Results-driven financial services executive with expertise in SBA credit, underwriting, and risk governance. Demonstrated leadership in rebuilding credit functions and maintaining compliance, ensuring sound credit decisions and portfolio quality. Strong team builder adept at leading high-performing underwriting teams to support responsible growth.
Overview
28
28
years of professional experience
Work History
Senior SBA Underwriter
CB&T / Phoenix Lender Services
10.2024 - Current
- Underwrite complex SBA 7(a) loan transactions, ensuring compliance with SBA SOP and internal credit policy
- Analyzed borrower financials, global cash flow, collateral, and guarantor strength to evaluate and structure risk
- Identified credit risks and recommended mitigants to uphold portfolio quality and preserve SBA guaranty integrity
- Collaborated with originations, closing, and credit teams to streamline approval processes and ensure consistent deal flow
SVP, SBA Team Leader
Northfield Bank
Woodbridge
01.2023 - 01.2024
- Rebuilt SBA platform to enhance credit processes, policy compliance, and workflows per SBA SOP 50 10 7
- Partnered with Risk Management to complete and gain approval of SBA Risk Assessment
- Conducted comprehensive portfolio review to remediate deficiencies and protect SBA guarantees
- Oversaw servicing actions (327+), including modifications, disbursements, and collections
- Supported pipeline development while ensuring adherence to strong credit quality standards
- Woodbridge, NJ
Senior Vice President – SBA Leadership Roles
Hanover Community Bank / Savoy Bank
01.2019 - 01.2023
- SVP, National SBA Outreach Director (2023)
- Increased SBA production from $76MM to $141MM while maintaining strong credit discipline
- Built and led SBA team across underwriting, credit, closing, and originations to drive operational effectiveness
- Centralized SBA platform and scaled program nationally
- SVP, SBA Business Development Director (2021 – 2023)
- Led SBA originations while overseeing deal structuring and credit quality
- Managed BDO team and developed credit presentations for executive leadership to support informed decision-making
- Ensured proper structuring, eligibility, and adherence to SBA risk standards
- SVP, Chief Credit Officer (2019 – 2021)
- Led all SBA and conventional credit functions including underwriting, approvals, and portfolio management
- Managed team of underwriters, lenders, and closers; established strong credit culture and governance
- Enhanced policies and procedures to strengthen credit quality and ensure compliance with SBA SOP
- Approved and recommended loans to Loan Committee, balancing growth with risk management
- Managed regional activities in New York
President / Owner
RKW Partners Inc.
Philadelphia
01.2016 - 01.2019
- Advised financial institutions on SBA underwriting and credit risk management, enhancing portfolio performance
- Conducted loan reviews and provided recommendations to improve credit quality and compliance
- Guided lenders on SBA eligibility and structuring, resolving problem loans to maintain compliance
- Philadelphia, PA
SVP, Market Leader
Meridian Bank
Malvern
01.2015 - 01.2016
- Oversaw credit risk assessment, pricing strategies, and portfolio profitability to support business growth
- Managed credit lifecycle from origination to underwriting and approval presentation, ensuring alignment with strategic objectives
- Malvern, PA
Co-Founder, CEO, President (Acting Chief Credit Officer)
MileStone Bank
Doylestown
01.2006 - 01.2014
- Built and led full-service commercial bank with strong SBA lending platform, driving market competitiveness and client satisfaction
- Approved and structured loans as acting Chief Credit Officer, ensuring alignment with credit policy and risk management
- Established credit culture prioritizing quality underwriting and disciplined growth, enhancing overall lending standards
- Led bank to Top 10 SBA lender status in Pennsylvania
- Doylestown, PA
SVP, Private Client Services Group Manager
The Bancorp Bank
01.2004 - 01.2006
SVP, Regional Loan Production Manager
National Penn Bank / FirstService Bank
01.1998 - 01.2004
Education
BS - Political Science
University of Massachusetts
AmherstStonier National Graduate School of Banking - Honors
American Bankers Association
ABA Central Atlantic School of Commercial Lending -
Commercial Lending & Financial Statement Analysis -
RMA
Skills
- SBA underwriting
- SBA SOP compliance
- Deal structuring
- Collateral analysis
- CRE lending
- Global cash flow analysis
- Financial statement analysis
- Credit memo writing
- Pipeline management
- Cross-functional deal execution
Affiliations
- Past President & Board Member Emeritus – Lower Bucks YMCA
- Past President (2x) – Levittown-Fairless Hills Rotary
- Member – Vistage International
Timeline
Senior SBA Underwriter
CB&T / Phoenix Lender Services
10.2024 - Current
SVP, SBA Team Leader
Northfield Bank
01.2023 - 01.2024
Senior Vice President – SBA Leadership Roles
Hanover Community Bank / Savoy Bank
01.2019 - 01.2023
President / Owner
RKW Partners Inc.
01.2016 - 01.2019
SVP, Market Leader
Meridian Bank
01.2015 - 01.2016
Co-Founder, CEO, President (Acting Chief Credit Officer)
MileStone Bank
01.2006 - 01.2014
SVP, Private Client Services Group Manager
The Bancorp Bank
01.2004 - 01.2006
SVP, Regional Loan Production Manager
National Penn Bank / FirstService Bank
01.1998 - 01.2004
BS - Political Science
University of Massachusetts
Stonier National Graduate School of Banking - Honors
American Bankers Association
ABA Central Atlantic School of Commercial Lending -
Commercial Lending & Financial Statement Analysis -
RMA