Mr. Beck brings not only extensive knowledge and leadership skills to Oakworth Capital Bank, but also deep roots in the Central Carolinas market. Mr. Beck began his career in the financial services industry in 1988 as a commercial credit analyst with Bank of America (BoA), followed by positions as commercial relationship manager and private banking relationship manager. He has served as market senior lender for the former SouthTrust Bank; corporate lender and business services team leader for BB&T; market manager of home building finance and commercial real estate in North Carolina and South Carolina for First Horizon; regional lending executive for Silverton Bank senior asset manager for the FDIC’s department of receivership and resolution; and executive vice president and chief credit officer for Aquesta Bank. He also served as chairman of the Chief Credit Officers Peer Committee. Mr. Beck is a native of Greensboro.

Email Tim

Mr. Davidson has a detailed history and deeply rooted career in the Central Carolinas banking industry. Prior to Oakworth, he most recently served as Vice President, Middle Market Relationship Manager for Fifth Third Bank in Charlotte. There he managed a portfolio of large commercial relationships totaling $250 million in credit exposure consisting of C&I operating companies with revenues between $20 million and $1 billion. Other prior positions include vice president and commercial banker for First Citizens Bank in Charlotte and vice president and relationship manager for South State Bank, also in Charlotte. Mr. Davidson was a college athlete, playing basketball for both High Point University and Pfeiffer University.

Email Mike

Mr. Ray has a rich family history in banking and it comes as no surprise that he continues to successfully build his own career in the commercial banking space throughout the Central Carolinas. A Cincinnati native, Mr. Ray grew up in Naples, FL., earning his undergraduate and graduate degrees in Florida. He began his banking career at Fifth Third Bancorp in 2015. In the past eight years with Fifth Third, he worked as a retail personal banker, commercial credit analyst, associate relationship manager and, most recently, commercial relationship manager (assistant vice president). His roles with Fifth Third brought him to the Charlotte area in 2017 after serving relationships throughout Florida.

Mr. Ray serves as vice president for membership of the Charlotte Construction Financial Management Association and is an active member of the Gaston Business Association. In addition, he volunteers at Classroom Central and at Holy Angels, a nonprofit center for the differently-abled. He and wife Katy and son Brody live in Belmont, North Carolina with their two dogs, Boone and Abby. When out of the office, Mr. Ray enjoys spending time with family, bird hunting and being on the lake.

Email Patrick