Prior to his tenure with Ridley Capital, Mr. Kramer was CEO and President of Ohio Legacy Corporation, a bank holding company based in Wooster, Ohio. During his five-year tenure, he led a Board and management reorganization, executed a credit turnaround strategy and balance sheet transformation, which resulted in the recapitalization of the company by Excel Bancorp.
From 1999 to 2004 he was Chief Operating Officer and Chief Technology Officer at Evansville, Indiana-based Integra Bank Corporation, where he led a team that transformed operating, technology and product platforms. His teams built the bank’s Treasury Management, Electronic Banking and Mortgage Banking businesses.
Among other career highlights, Mr. Kramer led the correspondent banking practice at Cincinnati-based Star Bank, N.A. (kna as US bank), building the practice into the second largest correspondent bank in Kentucky and Ohio, was a member of the Strategic Advisory Board for Fiserv/CBS from 2001 to 2004 and led various key initiatives with Deluxe Corporation, a Fortune 500 financial services company.
Denise Cobb, EVP and Chief Administrative Officer
Ms. Cobb will serve as EVP and Chief Administrative Officer for First Security Group and FSGBank. Ms. Cobb has served FSG as EVP and Chief Risk Officer since February 2010. Ms. Cobb was appointed as Chief Risk Officer in May 2009 and the role was elevated to an executive position in February 2010. Ms. Cobb began her tenure with First Security as Corporate Controller and Principal Accounting Officer. She has also served FSG as the Director of Internal Audit. She is a certified public accountant and has also worked for Arthur Anderson, Ernst & Young and KPMG during her career.
As Chief Administrative Officer, all operational departments will report to Ms. Cobb. Certain risk functions with continue to report to Ms. Cobb while others will transition to Mr. Tietz.
“We believe that every member of our organization has a client. For our lenders and branch personnel, the client is our customers. For our operational personnel, their client is our front-line personnel. In order to provide first-class products and services, we must have operational personnel that understand providing superior customer service starts with them,” said CEO Michael Kramer. “Denise is a natural leader who takes great pride in successfully managing projects and initiatives. This transition to CAO will allow Denise to expand her influence to new areas of the Bank. We are confident that Denise will deliver strong results in her new role.”