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NCB Appoints Howard C. Spencer as Assistant Vice President of Risk Management in Hillsboro, Ohio

Hillsboro, Ohio (November 5, 2007)
— NCB, a leading community bank in southwestern Ohio, has named Howard C. Spencer as Assistant Vice President of Risk Management working out of the Bank’s  Hillsboro, Ohio office.

“We are pleased to have an executive with Howard’s experience in collections and lending join NCB’s Ohio team,” said Debra Shoemaker, Co-President of NCB Ohio “With more than two decades of practice, we’re confident he will be an excellent asset and make valuable contributions to the Risk Management team.”

As Assistant Vice President of Risk Management, Mr. Spencer is responsible for monitoring NCB’s assets, mitigating losses, collecting delinquent loan accounts, establishing repayment schedules and maintaining customer confidence. The Risk Management group oversees the collection of a delinquent loan, from the start of a process all the way through to settling the account, by working closely with the Bank’s many departments to resolve issues in a timely manner.  

Prior to taking this position, Ms. Spencer served as a Collections Manager-Officer for Sky Bank located in New Castle, Pennsylvania.  In this capacity he oversaw the daily activities of a $3 billion portfolio, maintained all collection policies, prepared daily, weekly and monthly statistical reports, supervised the workflow of over 30 employees and was responsible for the liquidation of repossessed consumer assets.  Mr. Spencer, who was with Sky Bank for 21 years, also held the position of Team Leader-Supervisor and was one of 100 chosen for the 2006 Sky Bank employee All-Star Team.

Mr. Spencer holds a Bachelors of Science degree in Applied Science from Youngstown State University in Youngstown, Ohio.  He has also completed Ohio Banker’s Association School of Consumer Credit at Kent State University and the American Institutes of Banking class on Problem Loans.  He served as a Board Member and Coach of the Vienna Athletic Club and a Member of the Queen of the Holy Rosary Chapel Men’s Choir. Mr. Spencer resides in Vienna, Ohio.

According to the independent research firm, R.S. Carmichael & Co, in a recently completed Customer Satisfaction Service Quality report, NCB ranks among the highest banks in superior service. A sampling of the results indicates 93 percent of the Bank’s Ohio customers were “highly satisfied” with the Bank and feel that their NCB relationship is “highly-valuable” and would be “highly likely to recommend” the Bank.  These positive comments, among others, are just some of the many reasons NCB has experienced such great success in Ohio and on a national basis.

The Bank has grown significantly in Ohio over the past 11 years, increasing both its deposits and loan market share and implementing a long-term growth strategy to become a leading community bank in the state.  The Bank offers commercial and personal banking services to NCB’s customers nationwide.  NCB utilizes its deposit base to fund loan products, resulting in more competitive pricing for customers.  Its primary focus is on mortgage banking services, merchant services, cash management and a wide variety of consumer products and services.


NCB is dedicated to strengthening communities nationwide through the delivery of banking and financial services, complemented by a special focus on cooperative expansion and economic development. Headquartered in Washington, DC, NCB also has offices in Alaska, California, New York and Virginia. In addition, NCB has a growing community banking network in southwestern Ohio. To learn more about NCB, visit www.ncb.coop.