Leadership Team

Chris KwiatkowskiSVP, Head of Government Guaranteed Lending
Office: 704.280.8933
Fax: 704.754.4175



Chris is senior vice president, creator and head of the Government Guaranteed Lending division at First National Bank. Chris is responsible for the bank’s strategic leadership in SBA and USDA B&I Lending. He oversees a team of 45 SBA focused personnel including Sales, Credit, Closing and Servicing. Chris has over 20 years of experience in SBA Lending. With Chris’ leadership, First National Bank has been the top SBA Lender in NC for the past two years and has climbed to 26 nationally in SBA Lending.

Prior to joining First National Bank, Chris was SVP and SBA Division Manager of Popular Small Business Capital. While at PSBC Chris oversaw 50 SBA Business Development Officers located across the U.S. and the Operational staff that supported them. He and his team contributed to the Bank’s national expansion effort and helped Banco Popular North America achieve 4th place ranking among all national U.S. SBA lenders with $453,254,890 million in guaranteed loan approvals.

Prior to his joining Banco Popular North America’s Popular Small Business Capital division, Chris was a regional sales vice president with CIT Small Business Lending Corporation, responsible for SBA and conventional sales production for 20 Regional Account Managers. While in this position, he advanced underwriting guidelines, operational efficiencies, E-Commerce initiatives, sales orientation and profitability goals. He served in other positions including regional account manager for the Southeast, where he targeted new SBA and conventional loan business.

Chris was also business banking team leader NationsBank, N.A. in North Carolina. As team leader, he managed and lead the Business Banking Lending Unit in achieving sales goals, overseeing and negotiating loan products, and ensuring credit quality, profitability, and compliance.

He began his specialization in small business lending as a loan specialist with the U.S. Small Business Administration in Charlotte, NC, where he assumed the top producer position and was recognized by lenders for exceptional performance. Chris was also an employee development specialist for the Washington, D.C. office of the U.S. SBA.

He is frequently invited to participate in SBA related functions.

Chris holds a B.S. in Management from the University of North Carolina, Asheville.

Dave PhillipsVP and Sales Manager 
Office: 804.378.7501
Mobile: 804.513.7700
Fax: 804.823.2709



Dave is a recognized creative deal maker, working with business owners and their advisors - including CPAs, Attorneys, Brokers, Business Consultants and others - to provide flexible finance solutions for every step in their business life cycle. As a former business owner, Dave understands how companies operate and knows how to help them be more successful. With the experience of closing over $200MM in SBA 7(a), 504, and SBA Express loans for hundreds of business owners in a wide variety of industries, he is often able to bring talented specialists with a sense of urgency to facilitate the transaction, understanding that time is of the essence in every deal. 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.

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.