Chief Executive Officer
Gary Cady is CEO of Torrey Pines Bank and is responsible for the overall strategic direction and safety & soundness of the bank. Mr. Cady’s oversight includes direct reports with responsibilities for accounting, asset quality, branch operations, compliance, marketing and recruitment. Mr. Cady sits on the Audit and Asset Liability committees with reporting accountability to the Board of Directors.
Gary is a long-time San Diego resident who has built a distinguished 30-year career in banking. He spent much of his career with prominent and successful financial institutions, where he held senior management positions across various disciplines.
Mr. Cady holds a M.B.A. in Financial Management and a BS degree in Finance. He is active in the community, serving a variety of local organizations including the San Diego Regional Chamber of Commerce, San Diego Symphony and Continuous Quality Insurance Corporation.
Mr. Cady is an avid supporter of youth sports, serving as a coach and board member on several local Little League baseball teams and basketball leagues.
President and Chief Operating Officer
John Maguire is the President and Chief Operating Officer for Torrey Pines Bank. As one of the founding Officers of Torrey Pines Bank he was asked to join Robert Sarver and Gary Cady in organizing the Bank in 2003. He served as manager of the La Mesa Office until his promotion to Executive Vice President in 2007, and was further asked to accept the position of President and COO in March, 2009.
John has been involved in the San Diego banking community since 1985 when he started his career at Bank of America. Subsequently, he spent fourteen years at Grossmont Bank / California Bank and Trust building local market knowledge and experience.
John is a member of the East County YMCA Board of Directors. He also served on the Board of the Grossmont Hospital Foundation and is a former member of the La Mesa Rotary Club.
John earned a Bachelor's degree from University of San Diego, in Business Administration. He is also a graduate of Pacific Coast Banking School, in Seattle, Washington.
Chief Financial Officer
Phil Fowler was promoted to Executive Vice President in 2008. Mr. Fowler is responsible for the management of the Bank's financial records, monitoring and reporting. His responsibilities also include managing the Bank's daily cash position, preparing monthly internal financial statements, accounts payable and prepaid expenses. Mr. Fowler is also responsible for the management of the Bank's investment portfolio, asset and liability exposure, the budgeting process and deposit rate setting. Mr. Fowler is the primary liaison to financial statement auditors and regulators.
Having strong competencies with computerized online general ledger systems, including M & I and Computer Associates, Mr. Fowler looks forward to bringing a new level of Accounting sophistication to the Bank. Mr. Fowler believes that there is ample room for professional growth while having the ability to leave an imprint with his current role. In lieu of being removed from projects, Mr. Fowler prefers the hands-on environment that Torrey Pines Bank provides; for example, developing new accounting systems to accommodate the new products and services. Mr. Fowler has accountability for aspects outside of Accounting including Media and Investor Relations.
Mr. Fowler earned a Bachelor of Science degree in Accounting from San Diego State University. He serves on the Board of Directors for San Diego Junior Theatre and Torrey Pines Christian Church.
Chief Credit Officer
John P. Massab is the Executive Vice President and Chief Credit Officer for Torrey Pines Bank. Mr. Massab has been managing commercial credits for most of his professional career and draws from a strong background of over 25 years experience in banking and is a special asset to Torrey Pines Bank because nearly all of those years have been advising San Diego businesses and business owners.
John is responsible for advising the Bank's Executive Management team on its asset and credit portfolio. John's primary objective is to oversee the Bank's credit culture and bring sophisticated credit measurement and control systems to an expanding banking franchise. As such, John chairs the Bank's Management Loan Committee and serves on the Bank's asset liability committee. Additionally, John evaluates the Bank's credit delivery systems and provides workflow enhancements that help improve client satisfaction.
Mr. Massab received his Bachelor of Arts degree in Economics and Management from Albion College. Located in Albion, Michigan, the school is known for the prestigious President Gerald R. Ford Institute for Public Policy & Service. He also holds a Graduate degree from Pacific Coast Banking School, University of Washington, Seattle, WA in 2002.
John has lived in San Diego for the past 28 years. He commits his time as a Board Member of the Downtown YMCA, helping the organization expand programming and reach. He is active in the Rancho Bernardo community, having served youth baseball programs for 15 years.
Chief Real Estate Officer
William A. McLennan joined Torrey Pines Bank in 2003 and is the Chief Real Estate Officer of Real Estate department. Mr. McLennan is responsible for loan production and the strategic direction of the real estate division including project underwriting, streamlining loan processing, administration and client communications.
With 25 years of Real Estate banking and lending experience in both interim and term financing areas across the Western United States, Mr. McLennan brings skills to Torrey Pines Bank that are unmatched in the region. His specialties include advising his team on structuring residential real estate, commercial, office and industrial projects. He brings a wealth of experience having provided financing for a broad spectrum of projects, in term of size and dollars.
Mr. McLennan's lending experience has helped Torrey Pines Bank to differentiate itself from other large and de novo lenders in its ability to respond quickly to customer's financing requests.
Mr. McLennan has a Bachelor's in Arts from the University of California, San Diego and is actively involved with industry related service organizations.
A sense of urgency and responsiveness to the real estate loan approval process is the attribute that Mr. McLennan provides to Torrey Pines Bank and the Real Estate team.
Senior Credit Administrator for Los Angeles and Orange County
Kristine has been in banking for over 30 plus years and has built a distinguished career as a disciplined leader responsible for the oversight and administration of the bank's credit activities. She has held the position of Chief Credit Officer at both Torrey Pines Bank and Bank of Nevada as well as senior management positions with several other banks. During her lengthy career she is known for developing a strong credit culture that enable organizations to grow assets and expand market positioning safely. Kristine completed her undergraduate work at San Diego State University with a B.A. in Economics. She also holds a graduate degree from Pacific Coast Banking School, University of Washington, Seattle, WA and is a past director of the national bank educational organization called the Risk Management Association. In her assignment at the bank's Los Angeles and Orange County regions she is charged with overseeing the growth of a high quality credit portfolio in these very large and diverse markets.
Regional President for San Francisco Bay Area Market
Larry Fountain joined Torrey Pines Bank in 2012 as Executive Vice President and Regional President for the San Francisco Bay Area market. In his role, Larry is responsible for the growth and profitability of the bank's Northern California operation as well as developing and executing upon a market and client strategy to expand the bank's reputation and increase market share.
Drawing on 25 years of diverse commercial banking experience including senior leadership roles in international banking, commercial lending, and relationship management, Larry and the Bay Area leadership team will focus on strategic initiatives in the areas of credit delivery, risk management and business development.
Larry has a proven track record of success in building strong commercial banking teams with local market expertise and insights to deliver comprehensive solutions for companies ranging from early stage technology companies to private and public firms.
He obtained his MBA in finance from Golden Gate University and a Bachelor of Science degree in agricultural economics and business management from The University of California, Davis. He is also a graduate of Pacific Coast Banking School at University of Washington. He and his family commit personal time to many local business and civic organizations.
||Paul L. Donaldson
Regional President for Los Angeles and Orange County
Paul L. Donaldson is the Executive Vice President and Regional President for Torrey Pines Bank. Over the past 25 years, Mr. Donaldson has lent his extensive bank management, commercial lending and deposit experience to the local community.
Throughout his career, Mr. Donaldson has held management positions with major financial institutions and has played an integral role working with downtown headquartered businesses, as well as with a large bank branch network extending throughout the diverse Southern California market place. He is an instrumental partner in leading the expansion of Torrey Pines Bank.
Mr. Donaldson studied at Brigham Young University in Provo, Utah (known for producing outstanding professionals with the highest standards of integrity) and received his MBA before launching into a career in banking.
Mr. Donaldson is a member of the Southern California Leadership Network, a productive network of exemplary and diverse leaders in the business, government and community sectors who are capable of addressing the critical challenges facing the Southern California region.