Chief Executive Officer
George J. Guarini's vision of opening a bank that focuses on "best in class" offerings to match today's dynamic business climate became a reality on July 20, 2004. Bay Commercial Bank's CEO and President brings more than 30 years of experience in the banking industry. Mr. Guarini has held key executive and senior level management positions with national and regional financial institutions, including the turnaround of two financial institutions which had been operating under a "memorandum of understanding" in connection with credit quality issues. Prior to opening Bay Commercial Bank, Mr. Guarini was the Senior Vice President and Senior Lending Officer of Summit Bank, a community bank headquartered in Oakland, California. In addition to serving as the Senior Vice President and Senior Lending Officer of Summit Bank from 2000 to 2003, Mr. Guarini served as the bank's Acting President between August 2001 and August 2002.
From 1994 to 1999, Mr. Guarini enjoyed a career with Imperial Capital Bank based in Glendale, California, where he began as Senior Vice President and was charged with resolving significant loan portfolio weakness. In 1995, following a successful IPO, he was appointed the bank's Chief Lending Officer. In 1997 Mr. Guarini served as the founding Chief Executive Officer of ITLA Funding Corporation, a wholly owned subsidiary of ITLA Capital Corporation, the parent of Imperial Capital Bank. Prior to joining Imperial Capital Bank, Mr. Guarini held the position of Senior Vice President for California Republic Bank from 1991 to 1994. Mr. Guarini earned his Bachelor of Arts degree in Economics from Rutgers University.
Executive Vice President
Chief Financial Officer
Keary L. Colwell has served as the Chief Financial Officer and Corporate Secretary of Bay Commercial Bank since inception in 2004. Ms. Colwell is a member of the executive management team and is responsible for all aspects of accounting and finance functions including financial reporting, asset liability management, and budget and financial planning. She also over sees the bank's risk management process. She has over 28 years in banking and finance. Prior to joining the bank, Ms. Colwell was employed by The San Francisco Company and Bank of San Francisco, where she served as the Executive Vice President and Chief Financial Officer from 1996 through the sale of the company in 2001. Ms. Colwell served as the Vice President/Senior Financial Management of First Nationwide Bank from 1988-1992. Prior to joining First Nationwide Bank, Ms. Colwell was the Vice President and Controller at Independence Savings and Loan Association. Ms. Colwell worked in public accounting after graduating from college. She obtained her Certified Public Accountants license in 1984. Ms. Colwell holds a B.S. degree from California State University, Chico.
Executive Vice President
Chief Operating Officer
Janet L. King has served as the Chief Operating Officer of the Bank since its inception in 2004. Ms. King is a member of the executive management team and has over 29 years of banking experience. Prior to joining the bank, Ms. King was employed by Circle Bank in Novato, California from 1999 - 2004 where she served as the Chief Branch Administrative Officer and was a member of the executive management team. She was responsible for all aspects of operations, including Branch Development, Human Resources, Information Technology and Compliance. Prior to this, Ms. King was the Vice President of Operations for Valencia Bank & Trust in Valencia, California from 1987 - 1998 where she was responsible for Branch Development, Centralized Operations, Information Technology and Deposit Compliance. Ms. King earned her B.S. degree in Business Administration from the University of Phoenix.
Executive Vice President
Chief Banking Officer
Vernon R. Padgett joined Bay Commercial Bank in June 2013 and has been in the banking industry since 1977. Prior to joining Bay Commercial Bank, he was a founding organizer of Presidio Bank, served as Executive Vice President / East Bay Market President. Previous to that he was with Mechanics Bank as Senior Vice President managing various departments. Mr. Padgett is a graduate of the School of Management at University of Virginia, Darden, Pacific Coast Banking School, and the University of California, Davis. Mr. Padgett has always exhibited a deep rooted commitment to his clients. He also has worked extensively in the community, involved in many activities such as: Member, Urban Land Institute; Member, International Council of Shopping Centers; Co-Chairman / Co-Founder, Score-fore-Kids Golf Committee; Board Member, First Tee Oakland and Board Member, Business & Arts Networking Circle – Oakland (BANC).
Senior Vice President
Chief Risk Officer
Izabella L. Zhu joined Bay Commercial Bank as Chief Risk Officer and a member of the executive management team in September 2013. Ms. Zhu is responsible for developing, coordinating, and maintaining forward looking enterprise risk management framework and programs as the bank pursues various growth strategies. Prior to joining the bank, Ms. Zhu was a Senior Financial Institutions Examiner and a founding and inaugural member of the Examiner Council at the California Department of Business Oversight. She has served as Examiner-in-Charge of various large banks, troubled financial institutions, and trust departments. Prior to that Ms. Zhu was a financial advisor at Morgan Stanley. Ms. Zhu earned a Master's degree in Public Administration in International Development from the Kennedy School at Harvard University and a Bachelor's degree in International Economics from Peking University. Ms. Zhu is also a Certified Fiduciary Investment Risk Specialist.