LOAN DEPARTMENT SECONDARY MARKET

CUSTOMER SERVICE

OPERATIONS

SUPPORT STAFF

John Manning President & CEO

John N. Manning came to BL&D Bank in 1993. Over his 50+ years in the community, he has accumulated 32+ years of banking experience. His background includes a BA degree from Western KY University, and becoming a graduate of Kentucky School of Banking as well as School of Banking of the South. When he is not operating the bank or making Business and Commercial Loans, John serves the community by being a member of the Bedford Rotary Club.

CONTACT ME FOR A BUSINESS OR COMMERCIAL LOAN!

LOAN DEPARTMENT

Our Loan Department consists of eleven full-time employees between our three locations.  Included in the mix, are eight loan officers, specializing from all types of real estate loans to specific consumer loans.  You may contact a loan officer at any location or talk to an administrative assistant or receptionist to make an appointment.  With a combined total of over 128 years of banking experience, we are eager to make your acquaintance  RIGHT NOW!

Doug Carlisle BEDFORD Installment Mortgage Agricultural

Jon Dunlap BEDFORD Mortgage Installment

Besides being a loan officer, Doug is a charter member of the Carrollton Lions Club. He has 20+ years of banking experience and has been with BL&D Bank for 10+ years. Doug has a BS degree from Eastern KY University.   CONTACT ME FOR INFORMATION!

Jon is a lifelong resident of Trimble County as well as a Bedford Rotary Club member. He is Senior Vice President of BL&D Bank with 20 years of banking experience. Jon graduated with a BS degree in Marketing from U of K.   CONTACT ME FOR INFORMATION!

Judy Coffman LAGRANGE Commercial HELOC Business Development

Delcie Powell BEDFORD Installment Mortgage Secondary Market

Judy came to BL&D Bank in 2007.  She has 30 years experience in Lending and Business Development. Her education includes various AIB, Consumer Lending and Accounting courses.  She is Director of Crestwood Merchants Assoc. CONTACT ME FOR A LOAN!

Delcie has been with BL&D Bank since 1978.  She has had education with the Kentucky School of Banking.  With her 30+ years of banking experience, her area of expertise is loans.  Delcie is also a lifelong resident of the Trimble/Henry area.  CONTACT ME!

Scott Stark BEDFORD Installment Mortgage

Pam Watson PENDLETON Installment Mortgage HELOC

Scott began his career with BL&D Bank in 2002 after receiving a BS degree in Marketing from Northern KY University. He has also attended KY School of Banking and has acquired experience in Consumer Lending.   CONTACT ME FOR INFORMATION!

While also being a branch manager, Pam also serves as a CSR. She has 30 years banking experience, 24 being with BL&D Bank. Pam has attended KY School of Banking and serves on Oldham Co. Advisory Board for Big Brothers & Big Sisters.   CONTACT ME!

SECONDARY MARKET DIVISION

Tom Marr LAGRANGE Secondary Market

Bart Leet PENDLETON Construction & Secondary Market

J. Thomas Marr, Jr. has 35+ years experience in Mortgage Banking and has been with us for 5+ years. Tom has served on the Boards of YMCA and United Way. He has a post grad education in Accounting and Finance.   CONTACT ME FOR INFORMATION!

K C Barton Leet lives in Oldham Co. where he is a YMCA coach and a Jr. Achievement teacher. He has been with us for 5+ years with 21 years experience. Bart is a U of K grad and attended Graduate School of Banking at LSU.   CONTACT ME FOR A LOAN!

LOAN SUPPORT STAFF

Jennifer Dick LAGRANGE Loan Processor		April Craig BEDFORD Loan Processor		Cari Beverly-Phelps BEDFORD Loan Clerk
SINCE 2003		SINCE 2000		SINCE 2002

CONTACT JENNIFER for an appointment at LaGrange! CONTACT PAM for an appointment at Pendleton! CONTACT APRIL for an appointment at Bedford!

CUSTOMER SERVICE REPRESENTATIVES

You can reach a Customer Service Representative (CSR) at each of our three locations.  We have several tellers cross-trained to tend to customer service needs as well.  Whether you need to open a new deposit account, invest in a Certificate of Deposit, rollover an existing Individual Retirement Account, or simply ask a general question, contact a Customer Service Representative today!  We are backed by 50+ years of experience.

Marilyn O'Day BEDFORD		Lisa Coghill LAGRANGE		Cheryl Bibelhauser PENDLETON
SINCE 1978		SINCE 2002		SINCE 2005

OPERATIONS

The Operations Department of Bedford Loan and Deposit Bank houses the "behind-the-scenes" network complexity of the banking industry.  Without this department, deposits would not be posted, CDs and IRAs would not earn compounded interest, customers could not access their account at an ATM, or payments to vendors would not get paid, just to name a few situations.  There are a total of four full-time employees with over 65 combined years of banking experience.  The Operations Department is housed at the main office in Bedford, Ky.

Deanna Ralston Vice President and DATA PROCESSING & OPERATIONS SUPERVISOR SINCE 1972		Tina Roberts Website Development and IB AND BP&P ADMINISTRATOR SINCE 2001
Deanna's duties include Operations Manager, Security, Information Technology and customer relations.  She has been with the bank for 35 years.  In this time she has raised a family and been involved in numerous community activities.  She is now a member of the Trimble County Arts Council and is the Trimble County Chairperson for the Salvation Army.		Tina has six years of banking experience and is "well-rounded" when it comes to operational tasks. She holds Associates degrees in Accounting and Business Management. Tina is also a graduate of KBA Banking Schools and is certified in Internet Banking and Bill Payment & Presentment. While serving as the Online Banking Manager, Tina is also the Human Resources Manager.

CONTACT DEANNA with OPERATIONAL concerns! CONTACT TINA with ONLINE BANKING concerns!

SUPPORT STAFF

CUSTOMER SERVICE    and TELLERS	Helen Vessels Barbara Bowman Trina Fox Latasha Sullivan Allison Tingle Lisa Coghill Carol Jones Dawn McDonald Maria Skees Cheryl Bibelhauser Diane Gregory Jacqulyn Koebel	Head Teller Teller Teller Teller Drive-Thru Teller Branch Manager Teller/CSR Teller Drive-Thru Teller Teller Teller Teller	BEDFORD BEDFORD BEDFORD BEDFORD BEDFORD LAGRANGE LAGRANGE LAGRANGE LAGRANGE PENDLETON PENDLETON PENDLETON	SINCE 2002 SINCE 2007 SINCE 2005 SINCE 2006 SINCE 2007 SINCE 2002 SINCE 2005 SINCE 2007 SINCE 2002 SINCE 2005 SINCE 2007 SINCE 2007
OPERATIONS	Laquitta Fugate Tyvonne Tilley Robin Welty	Bookkeeper Bookkeeper Bookkeeper	BEDFORD BEDFORD BEDFORD	SINCE 1999 SINCE 1992 SINCE 2000
HUMAN RESOURCES	Tina Roberts	HR Administrator	BEDFORD	SINCE 2001