Commercial Services

President & CEO

Ken Raymie provides executive oversight to all credit union lines of business and support departments. He brings more than 25 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 San Antonio Class 33, Leadership Lab and in 2005 was named a “40 Under 40” by the San Antonio Business Journal. He sits on the Board of Directors of the North San Antonio Chamber of Commerce, SAMMinistries and The 100 Club of San Antonio.

Vice President of Commercial Services

Mark Johnston serves as Vice President of Commercial Services for Generations. In this role, he manages the day-to-day operations of the Commercial Services Department, to include business development and loan/credit administration. 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. Mark earned his B.B.A. in Finance from Texas State University and is an active member of their Finance and Economics Advisory Board.

Senior Commercial Relationship Manager

Cassian Flores serves as 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, Cassian served as Commercial Loan Officer at Randolph-Brooks FCU and as Vice President, Relationship Manager at Chase. He brings over 15 years of experience in commercial lending to the credit union. Cassian earned his B.B.A. in Finance from The University of Texas Rio Grande Valley and is an avid volunteer for the Texas Ramp Project.

Commercial Loan Administration Manager

Joshua Roberts has served as Generations’ Commercial Loan Administration Manager since August of 2018. In his role with the credit union, Joshua oversees all commercial loan administration tasks, processes, procedures and reporting. He has more than 10 years of banking experience, previously holding roles in loan administration for Lone Star Capital Bank and TransPecos Banks, SSB. Joshua has also worked in consumer lending at Wells Fargo and call center management at Wachovia Bank. He holds an AA in Liberal Arts and General Studies from St. Philip’s College.

Commercial Loan Administration Associate

Jose Rangel joined the credit union in March of 2018 as Commercial Loan Administration Associate. He has more than 18 years of experience in loan operations, having worked for Allegiance Bank, Zions Bancorporation and Chase Bank previously. In his role with Generations, Jose manages all aspects of commercial loan booking, funding, collateral perfection, processing and closing. He works with members and the credit union to clear loan approval conditions, open title for real estate closings, order appraisals, order environmental and flood reports, conduct collateral tracking and process loan payments and payoffs. Jose volunteers with Habitat for Humanity and his church.

Commercial Portfolio Manager

Ernest Stephenson joined the credit union in October of 2019 as the Commercial Portfolio Manager. In his role, he is responsible for underwriting commercial loan applications and monitoring the commercial loan portfolio. Ernest was previously a Credit Analyst with Vantage Bank before joining Generations. He holds two BA degrees in Mathematics and Economics from Texas Lutheran University, as well as an MS in Finance from Texas A&M University. Ernest also sits on the board for the San Antonio chapter of RMA Young Professionals.

Commercial Credit Analyst

Juan Trejo has served as Commercial Credit Analyst for Generations since October of 2019. In this role, he reviews and analyzes commercial borrowers’ credit, to include financial statements, tax returns, historical operating performance and future plans, among other factors. Juan has been with Generations since 2012, serving in a number of consumer and commercial positions both in-branch and in support departments. He holds an AA in Accounting from San Antonio College and will graduate with a BBA in Accounting from the University of the Incarnate Word in December of 2019. Juan is also a regular volunteer with the San Antonio Food Bank.

Commercial Services Assistant

Stella White joined Generations as the Commercial Services Assistant in July of 2017. In her role, she is responsible for data input and document verification for loan closings, providing support for processing commercial loans, as well as ordering and reviewing title reports, flood reports and collateral documentation. Stella has more than 30 years of experience in loan service processing within commercial lending, operations support and document verification. Previously, she served as a Lending Assistant at Comerica Bank and as a Business Loan Processor at Randolph Brooks Federal Credit Union.