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Joe Hoytal is a retired Vice President Commercial Lender with extensive experience at Capitol Federal® Savings Bank and Capital City Bank Topeka. Throughout their career, Joe has held various roles in the banking industry, culminating in their position as Executive Vice President Commercial Lender. Joe has a Certificate in Banking from the Colorado Graduate School of Banking, a Bachelor of Science in Business Administration from the University of Saint Mary, and an Associates in Arts from Donnelly College.