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One of Southwest Florida’s leading business bankers, Todd joined Charlotte State Bank & Trust in March of 2019. He has experience in all aspects of the banking industry, earning a reputation for providing exceptional service to his clients.

Todd started his banking career in 1978 while still in high school in Cape Coral, working part time as a high school cooperative education student while attending school full time. His positions have ranged from branch manager to senior vice president and senior lending officer. He has a thorough working knowledge of lending fundamentals, credit analysis, interest rate risk, and financial regulatory management and reporting.

Todd graduated from the Florida School of Banking at the University of Florida in Gainesville in 1991 and the Graduate School of Banking at the University of Colorado in Boulder in 1997. He earned a bachelor’s degree in business management at Barry University in Miami Shores, Florida, in 1999.

A former chairman of the Cape Coral Chamber of Commerce, Todd serves as scholarship director for the Southwest Florida Junior Golf Association. He has been a board member of the Rotary Club of Cape Coral and a Big Brothers/Big Sisters of Southwest Florida volunteer.