Commercial Services Team

Our commercial services team has the local expertise and knowledge to meet the needs of your business and help it grow.

Meet Our Team


Ken RaymieKen Raymie, Chief Risk Officer
As Chief Risk Officer, Ken Raymie provides executive oversight for Generations’ risk management, compliance, vendor management, commercial credit administration and problem asset management divisions. He has more than 20 years of experience, previously serving as Executive Vice President/Commercial Banking Manager and Executive Vice President/Chief Revenue Officer at other financial institutions. Ken is a graduate of Leadership SA Class 33, Leadership Lab, and in 2005 was named a “40 Under 40” by the SA Business Journal. He sits on the Board of Directors of the North SA Chamber of Commerce, the SA Hispanic Chamber of Commerce and SAMMinistries. He holds a BA in Economics from Boston University and an MBA from Northwestern University.


Mark JohnstonMark Johnston, Vice President, Senior Commercial Relationship Manager
Mark Johnston serves as Vice President, Senior Commercial Relationship Manager for Generations. In this role, he is responsible for developing and expanding commercial relationships for the credit union. Prior to joining GFCU, Mark served as Vice President, Relationship Manager at Chase and as Vice President of Corporate Lending at TransPecos Banks. He brings 10 years of experience in commercial lending to the credit union, as well as expertise in credit administration and business development. Mark earned his B.B.A. in Finance from Texas State University and is an active member of their Finance and Economics Advisory Board.


Elvia BaraElvia I. Bara, Assistant Vice President of Commercial Loan Administration
As a member of the Generations Commercial Services team, Elvia ensures smooth management of the commercial loan administration process. Elvia is a member of the 2015 class of the Alex Briseño Leadership Development Program with the San Antonio Hispanic Chamber of Commerce and serves on the 2016 ABLDP steering committee. Additionally, she is an active volunteer in the City of San Antonio’s Volunteer Income Tax Assistance Program (VITA). Elvia earned her B.B.A. in Management from the University of the Incarnate Word. Prior to Generations, she was the Underwriting Director for the Large Loan Division at LiftFund (formerly ACCION Texas) and held various positions at Broadway National Bank.


Adrian BrettAdrian Brett, Commercial Portfolio Manager
Adrian Brett joined the Generations Commercial Services Team in April 2015 as a Commercial Portfolio Manager. In this role, Adrian manages existing commercial relationships and facilitates the development of new business relationships. Prior to joining Generations, he served as a Small Business Banker for Bank of America and a Business Relationship Manager for Allied Irish Bank in London. A native of Ireland, Brett earned an Advanced Diploma in Commercial Lending through the Credit Skills Development Program, and is a founding Board member of the San Antonio Gaelic Athletics Club.


Ismael GarciaIsmael Garcia-Quintanilla, Senior Commercial Credit Analyst
Ismael Garcia joined the credit union in November 2016 as a Senior Commercial Credit Analyst. He is responsible for underwriting complex commercial loan transactions by preparing an in-depth analysis through the examination and interpretation of financial statements and related information. He previously worked at Broadway National Bank for more than 9 years where he held the roles of Consumer Underwriter, Consumer and Business Banking Underwriter, Commercial Credit Analyst I and Commercial Credit Analyst II. He began his banking career at USAA Federal Savings Bank as a Bank Origination Associate. Ismael holds an M.B.A. in Finance from Our Lady of the Lake University and a B.A. from Baylor University.


Leticia GonzalesLeticia Gonzales, Commercial Business Development Officer
Leticia Gonzales joined Generations as the Commercial Business Development Officer in October 2015. She is responsible for developing commercial loan and deposit relationships for the credit union and brings more than 19 years of experience in business development. Prior to joining Generations, Leticia served as a Lender Marketing Representative for Trinity Title, a Business Development Officer for Crockett National Bank and was also an Assistant Vice President – Premier Banking & Investments Client Manager for Bank of America. A graduate of Texas A&M University Kingsville, Leticia is a member of the SA Hispanic Chamber of Commerce and served on their Membership Committee and has volunteered with Meals on Wheels for more than a decade.


Alma SaldanaAlma Saldana, Commercial Credit Analyst
Alma Saldana currently serves as the Commercial Credit Analyst for Generations and has been with the credit union since 2001. In her role, she serves as a subject matter expert on all commercial lending issues and is responsible for analyzing all aspects of commercial loans. Alma brings more than 20 years of experience in financial services to our members. While at Generations, she has served as Consumer Sales Coach, Operations Training and Development Specialist, and a Consumer Lending Performance Coach. She is also an active Habitat for Humanity volunteer. Alma is currently pursuing a Bachelor of Business degree in Finance from Texas A&M University – San Antonio.


Contact our Commercial Lending Team today at 210-767-5202.