Leadership Team

Mike-Amon-WebManaging Director, Small Business Finance
Office: 704-280-8933



Michael Amon is leading the charge as our Managing Director of FNB Small Business Finance. An innovative, collaborative business executive, Michael has a proven record of successfully optimizing commercial lending, SBA lending, and credit delivery. He has broad-based experience with both large and small banks positioning organizations for growth, expanding volume, delivering millions of dollars of cost savings, and increasing returns. He utilizes his experience in SBA lending to build cohesive working relationships between sales and credit that speeds up execution end-to-end, benefitting both internal and external relationships.

Michael’s accomplishments include building credit departments from scratch, orchestrating comprehensive improvement initiatives, and successfully merging organizations. His strategies are growth-oriented to consistently deliver greater efficiency, are customer-centric, and scalable for long-term success. He knows firsthand the importance of crafting solutions to fit the uniqueness of SBA lending to benefit both the client and the bank, with the ultimate goal of long-term sustainable and profitable growth.

Dave PhillipsVP and Sales Manager 
Mobile: 804.513.7700
Fax: 804.823.2709



Dave Phillips is recognized as a skilled Sales Leader, Team Builder, and Creative Deal-Maker. He has a wealth of experience in SBA lending, and uses his expertise to build highly successful team members. In his career, he has closed over $200MM in SBA 7(a), 504, and SBA Express loans for hundreds of business owners in a wide variety of industries. A thorough knowledge of the SBA lending programs enables Dave to structure financing solutions to maximize flexibility of operations to any business owner, which is often the differential advantage that leads to increased revenues and profitability.

In this role at First National Bank Small Business Finance, Dave has achieved numerous successes, such as: creating a state-of-the-art marketing program designed to build brand awareness, developing and implementing an extensive sales and operations training program, and recruiting and retaining our talented SBA lending team.

As a former business owner himself, Dave has a clear perspective on the needs of business owners and is dedicated to helping them be more successful. Utilizing the SBA financing tools, Dave is able to create flexible financing packages designed to maximize cash flow and get your business on an upward path. Through working closely with business owners and their advisors, Dave knows how to ensure the timely closing of proposed transactions. The bottom line is getting the deal done.

brenda bowersVP, Government Guaranteed Lending
Office: 704.280.8932



Brenda Bowers is Vice President and Production Manager for the Government Guaranteed Lending Division at First National Bank. Brenda is responsible for 32 employees on the bank's Production Team. Brenda and her team are focused on underwriting, closing, and servicing of SBA and USDA B&I Loans originated by First National Bank's GGL BDOs.

Originally from Orlando Florida, and leveraging 36 years of Banking experience, Brenda has specialized specifically in SBA Lending for the past 25 years. Prior to joining First National Bank, Brenda was The Southeast Regional Sales Manager for Popular Small Business Capital. One of five regions within PSBC, The Southeast Regional Team consisted of 15 business development officers who produced a third or 33% of the Bank’s SBA Lending Volume. Brenda was part of the leadership team that brought PSBC from #11 in the Nation for SBA Lending to #4 within the first 4 years.

Prior to her leadership role within Banco Popular North America / Popular Small Business Capital, Brenda was a Regional Account Manager for CIT’s Central Florida Market. Prior to this CIT Business Development role, Brenda was responsible for three start-up SBA Lending Departments for some Small Community Banks in Orlando, Florida. These positions afforded Brenda the opportunity to perform every single function of the SBA Lending Process.