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Tom Horninger has a varied work experience in the banking and finance industry. Tom started their career with Key Equipment Finance in 2001 as a Leasing Manager and worked there for a year. In 2002, they joined Key Bank, N.A. as a Loan Officer Middle Market, where they stayed until 2007. In 2007, Tom joined FCN Bank, N.A. where they held the position of Chief Lending Officer until 2016. In January 2017, they were promoted to the role of President & Chief Executive Officer, which they currently hold.

Tom Horninger attended Xavier University from 1978 to 1982, where they obtained a Bachelor of Science in Business Administration (BSBA) with a focus on Economics. Later, from 1986 to 1988, they attended Bowling Green State University, but no degree or field of study information was provided for this period.