Michelle Nichols

Howard joined TowneBank in 2022 and offers over 20 years of financial industry experience. As a commercial lender, he excels at building relationships with business members by providing tailored financial solutions. He enjoys connecting with local entrepreneurs to understand their goals and see them succeed in their industry and community. Howard received his bachelor's degree in business administration with a concentration in finance from the University of Richmond's Robins School of Business. He is also a graduate of the Virginia Bankers School of Bank Management. "I enjoy helping local businesses succeed by providing the financial support they need to grow and thrive."

Kathy specializes in loan origination for commercial real estate investors and contractors, though her portfolio includes a wide array of businesses. She enjoys managing her members’ full relationship to include deposit, treasury, and other Towne services. She has 2 decades of banking industry experience and joined TowneBank in 2008. Kathy studied at Old Dominion University and is a graduate of the Wake Forest University commercial business School. She serves on the board of Downtown Norfolk Council and Norfolk Preservation Collective. “I am dedicated to the success and well-being of my members!”

Chonise has over twenty years of experience in the financial services industry. She joined TowneBank in 2021 as an Inside Treasury Sales Officer for the Virginia and North Carolina Outer Banks markets. Chonise partners with bankers to bring Treasury Services to small business members. An expert in her industry, she can help small business owners understand the value of cash management services to include expediting payments, collections, and the importance of fraud prevention. Chonise has a BA in Business Management, as well as, an Associate’s degree focused on Legal Assisting. She is active in her community as a regular volunteer for Habitat for Humanity, United Way of South Hampton Roads, and The Children’s Hospital of the Kings Daughters. “I am passionate about developing and growing strong partnerships with my peers, business members, and volunteering in the local the community.”