Our Team

Calvin Coady President / CEO Serving BBOK customers since 1998

Resilience is one of Calvin's unique talents, one that has carried him through three decades of financial industry turmoil and triumphs. As one of the youngest of seven kids, Calvin cultivated the fine art of adaptability from an early age. Today, he uses it to coach his work family as they craft solutions for bank customers. Through service on regional and national financial boards and committees, Calvin serves as a voice for Kansas banks across all segments -- ultimately benefiting customers, employees and the banking industry.

Calvin doesn't know a stranger and values his time spent with his wife, Angie, family and friends. Even his solitary motorcycle rides across Kansas become social occasions, often concluding with a meeting of the minds at a Mainstreet watering hole.

Craig Ellis Executive Vice President Serving BBOK customers since 2002

Craig's lending experience spans nearly four decades and numerous specialties. Building successful relationships that have positive results keeps him motivated to do what he does each day. Outside of BBOK he loves to spoil his grandchildren, play golf and start a house project with no intent of finishing it.

Teri Ginther Executive Vice President
Chief Operating Officer Serving BBOK customers since 2020

Scanning checks in the basement of a Western Kansas community bank, young Teri Ginther would venture upstairs to witness long lines of antsy customers. She was convinced that a little lobby rearranging and someone to be a first point of contact for customers would exponentially improve the customer experience. Her idea received lukewarm reception but Teri was unfazed, spending the following weekend moving lobby furniture to better demonstrate her grand plan. Throughout her banking career, Teri has sought unconventional solutions to shift culture, embracing change as an opportunity to create the best iteration of the bank for employees and customers.

Michael Ray Chief Financial Officer Serving BBOK customers since 1992

Ethical and faithful are two words that epitomize Mike Ray. He interprets and analyzes the financial data at BBOK, collaborating with every department to project performance and secure BBOK's position as a solid investment for Kansas banks. In addition to some pastoral duties outside the bank, Mike spends as much time as possible with his grandchildren, passing down the values he exudes.

Tim Binns Senior Vice President
Senior Lending Officer Serving BBOK customers since 2009

As senior lending officer, Tim has financed opportunities for BBOK banks and their customers. Tim's vast banking experience before BBOK focused on commercial real estate and agribusiness. Tim says he's glad to be working alongside a dedicated team that shares the same ethics, values and passion to deliver unwavering customer service. Tim still believes in Santa Claus, especially the ones he handcarves in his spare time.

Jen Caughron Senior Vice President
Bank Card Manager Serving BBOK customers since 2021

As a young child Jen’s curious mind had her constantly questioning why things were done a certain way. Her natural ability to evaluate the answers on a root level has translated into a successful career in operations, marketing and sales. Jen appreciates customers who provide actionable feedback. She believes direct communication coupled with employee and customer collaboration manifest the best outcomes.

Peg Baldwin Senior Vice President
Enterprise Risk Manager Serving BBOK customers since 1997

Peg's assiduous nature keeps her turning the pages of good thriller novels. It also drives her to scrutinize the latest industry regulations. Giving BBOK customers confidence that their correspondent bank is current on compliance, drives Peg to continue studying, asking questions and implementing new procedures.

Alison Clutter Vice President
Lending Serving BBOK customers since 2019

Alison believes in supporting the community that you live in and growing up in rural Oklahoma, she learned how banks can fill this important role. Supporting banks as they invest in their communities and seeing businesses succeed is what makes her position as a relationship manager and lender for BBOK rewarding. To relax, Alison and her family enjoy drinking coffee and watching the sun rise from the dock of their cabin.

Scott Fowler Vice President
IT Manager Serving BBOK customers since 2011

In the fast-paced world of bank technology, Scott knows the importance of 24/7 system availability and function. Scott is a problem-solver, not resting until issues are resolved. His experience in developing and implementing programs helps him direct his team in supporting BBOK systems like ABIL. Scott’s calm and focused demeanor turns adventurous when he steps outside the technical world. He enjoys traveling with his wife and taking on activities like net freefall, bungee jumping and indoor sky diving.

Carol Koehn Vice President
Controller Serving BBOK customers since 1995

Since 1995, Carol has helped BBOK customers with their correspondent banking and investment needs. She meticulously deciphers financial and regulatory reporting, and interprets customer's portfolio accounting to ensure accurate reporting information. Discovery is Carol's passion at work, and during her off-time when she's hiking or traveling.

Gregory Sacks Vice President
Finance Serving BBOK customers since 2021

The lessons learned by participating in childhood sports are so crucial to life beyond that Greg spends nearly all his free time at sports related activities for his five children. Following structure, overcoming challenges, learning from mistakes, and playing honestly are just a few skills Greg took from sports to his accounting profession. While he is a self-proclaimed numbers lover, what truly motivates him to excel in his career is the opportunity to coach up others along the way.

Amanda Williams Vice President
Marketing and Brand Director Serving BBOK customers since 2007

Creating a memorable customer experience is Amanda’s specialty. She is responsible for ensuring every interaction is meaningful and targeted. Amanda is an assertive multi-tasker who keeps projects and people moving toward common goals. Her optimistic, warm demeanor is contagious – keeping those around her focused and calm. After hours, Amanda transfers her seemingly endless energy to chasing after her two young children and husband.

Cathy Gaines Assistant Vice President
Credit Administration Officer Serving BBOK customers since 2000

Accurately putting a loan together comes second nature to Cathy who's been in banking for nearly 35 years. Fast-paced and quick on her feet, Cathy can evaluate a lending operations dilemma and resolve it in record time. And she delivers the results with a customer-first attitude and genuine laugh.

Nicki Gray Assistant Vice President
Bank Card Operations Manager Serving BBOK customers since 2015

Nicki spent hours as a kid pretending to be the office manager of her dad’s business. But it was a logics class in college, and traits like curiosity and resourcefulness, that ultimately led Nicki to her 20+ year career in management operations. The nuances of improving processes to gain efficiencies excites Nicki. She’s a detail oriented leader with a passion for helping people learn and grow. When she’s not managing BBOK’s bank card operations, she’s handling the logistics of getting her two active children to their numerous extracurricular activities.

Candice Jackson Assistant Vice President
Electronic Banking Serving BBOK customers since 2001

Candice has made her way around the BBOK electronic banking department at all levels. She began in the wire room, working with wire transfers and ACH before becoming manager of the department. Candice is the first to fill in the gaps where needed. Spend enough time with Candice and you'll see her quiet demeanor dissolve into a quick wit and instinctive smile.

Ann Sathngam Assistant Vice President
Finance Operations Serving BBOK customers since 1999

As a long-time accounting professional for BBOK, Ann enjoys applying her analytical prowess with numbers to ensure the customer’s information is accurate and readily available. Her positions in various departments throughout her career lend her knowledge and expertise to develop innovative and efficient accounting processes. She is also an Accredited ACH Professional. When Ann is not using her detailed mindset to analyze data, she is happy cultivating a variety of flowers in her garden and singing karaoke with her husband.

Karen Schultz Assistant Vice President
Bank Card Risk Manager Serving BBOK customers since 2008

Karen Schultz has spent the greater portion of her professional career in the credit card industry. From identifying potential risky behaviors to determining credit worthiness, her attention to detail has helped shape a robust portfolio. Her adaptability matters most in an industry evolving daily. A calculated risk-taker, Karen is always weighing potential results of decisions made before taking the leap. Her foresight helps the BBOK credit card department minimize risk, and helps banks maximize portfolio performance. Karen attends to what she values most in her off-time – her family and friends.

Todd Schoenhofer Manager
Credit Review Services Serving BBOK customers since 2003

Competitively wired, Todd knows that to play at the top of your game you have to analyze your strengths and weaknesses, address problem areas and craft a winning strategy. He approaches his job in the same manner, ultimately delivering a plan for lending success.

Andrew Smarsh Loan Review Officer Serving BBOK customers since 2017

Andrew’s ingrained fondness for numbers led to the start of his tenured banking career. With his diligent and contemplative demeanor, he correlates a solid analysis to strong lending practices. He uses his analytical skill set to deliver sound, practical advice.

Outside of crunching numbers, Andrew looks forward to “Family Movie Night” every Friday with his wife and children.

Berin Lacevic Relationship Manager
Merchant Processing Serving BBOK customers since 2020

Knowledge seeking is Berin Lacevic’s superpower. He learned to speak English at age 13, when he was adopted by a family in Salina, KS after losing both parents to a civil war in Sarajevo, Bosnia. He learned the banking industry and importance of connecting with the community from his brother, Tom Wilbur. And he discovered the best way to deliver great customer care – take accountability, address needs head on and ultimately find a solution that solves problems – from his professional journey through banking, cybertechnology, prosthetics and payment solutions. Berin promises to use his superpower, in tandem with transparency and reliability, for the good of Kansas banks.