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Howard Ross is an experienced finance executive currently serving as Executive Vice President and Member of the Advisory Board at BHI since June 2018. Prior to this role, Howard held the position of Executive Vice President and Chief Credit Officer at Bank Hapoalim USA from September 2011 to June 2018, and served as Chief Credit Officer for a new DeNovo Bank from October 2009 to October 2011. Additionally, Howard spent nearly two decades at HSBC, culminating in the role of EVP Senior Deputy Chief Credit Officer, where responsibilities included credit approvals for various sectors. Howard's educational background includes an MBA in Management from St. John's University and a BBA in Marketing Management from Pace University.