Executive Officers

George J. Guarini


Chief Executive Officer

George J. Guarini's vision of opening a bank that focuses on "best in class" offerings to match today's dynamic business climate became a reality on July 20, 2004. United Business Bank's CEO and President brings more than 30 years of experience in the banking industry. Mr. Guarini has held key executive and senior level management positions with national and regional financial institutions, including the turnaround of two financial institutions which had been operating under a "memorandum of understanding" in connection with credit quality issues. Prior to opening Bay Commercial Bank, Mr. Guarini was the Senior Vice President and Senior Lending Officer of Summit Bank, a community bank headquartered in Oakland, California. In addition to serving as the Senior Vice President and Senior Lending Officer of Summit Bank from 2000 to 2003, Mr. Guarini served as the bank's Acting President between August 2001 and August 2002.

From 1994 to 1999, Mr. Guarini enjoyed a career with Imperial Capital Bank based in Glendale, California, where he began as Senior Vice President and was charged with resolving significant loan portfolio weakness. In 1995, following a successful IPO, he was appointed the bank's Chief Lending Officer. In 1997 Mr. Guarini served as the founding Chief Executive Officer of ITLA Funding Corporation, a wholly owned subsidiary of ITLA Capital Corporation, the parent of Imperial Capital Bank. Prior to joining Imperial Capital Bank, Mr. Guarini held the position of Senior Vice President for California Republic Bank from 1991 to 1994. Mr. Guarini earned his Bachelor of Arts degree in Economics from Rutgers University.

Keary L. Colwell

Senior Executive Vice President

Chief Financial Officer

Keary L. Colwell has served as the Chief Financial Officer and Corporate Secretary of United Business Bank since inception in 2004. Ms. Colwell is a member of the executive management team and is responsible for all aspects of accounting and finance functions including financial reporting, asset liability management, and budget and financial planning. She also over sees the bank's risk management process. She has over 28 years in banking and finance. Prior to joining the bank, Ms. Colwell was employed by The San Francisco Company and Bank of San Francisco, where she served as the Executive Vice President and Chief Financial Officer from 1996 through the sale of the company in 2001. Ms. Colwell served as the Vice President/Senior Financial Management of First Nationwide Bank from 1988-1992. Prior to joining First Nationwide Bank, Ms. Colwell was the Vice President and Controller at Independence Savings and Loan Association. Ms. Colwell worked in public accounting after graduating from college. She obtained her Certified Public Accountants license in 1984. Ms. Colwell holds a B.S. degree from California State University, Chico.

Janet L. King

Senior Executive Vice President

Chief Operating Officer

Janet L. King has served as the Chief Operating Officer of the Bank since its inception in 2004. Ms. King is a member of the executive management team and has over 29 years of banking experience. Prior to joining the bank, Ms. King was employed by Circle Bank in Novato, California from 1999 - 2004 where she served as the Chief Branch Administrative Officer and was a member of the executive management team. She was responsible for all aspects of operations, including Branch Development, Human Resources, Information Technology and Compliance. Prior to this, Ms. King was the Vice President of Operations for Valencia Bank & Trust in Valencia, California from 1987 - 1998 where she was responsible for Branch Development, Centralized Operations, Information Technology and Deposit Compliance. Ms. King earned her B.S. degree in Business Administration from the University of Phoenix.

Dave Funkhouser

Executive Vice President

Chief Credit Officer

David Funkhouser has been serving the Bank in the capacity of Executive Vice President and Chief Credit Officer since June 2015. He has over 30 years of experience in banking. Mr. Funkhouser is responsible for the overall management of the Bank's Credit Quality including oversight of the Credit Administration Department, the underwriting and loan review analysis processes, all functions that provide lending support, direction, credit information, and loan policies, procedures and processes to ensure the overall quality of the Bank's loan portfolio. Prior to joining the Bank, Mr. Funkhouser served as President and CEO at Trans Pacific Bank. He was the founding CEO of Pinnacle Bank. Mr. Funkhouser holds a B.A. Degree from California State University, San Jose and completed the Pacific Coast Banking School's 3- year graduate level management education program.

Rick Pak

Executive Vice President

Chief Lending Officer

Rick Pak joined United Business Bank in September 2016 as Senior Vice President and SBA Manager and was promoted to Executive Vice President and Chief Lending Officer in January 2019. As a member of the executive management team, he is responsible for overall organic loan growth in Commercial Real Estate, Commercial and Industrial lending, and various government guaranteed programs including the SBA 7(a), SBA 504, USDA, Agricultural and Northern California FDC program. Mr. Pak has been in the banking industry for over 30 years with his first start at Wells Fargo as a teller. He has worked in many aspects of banking including retail management, consumer mortgage, commercial middle market, and government guaranteed programs. He has also worked at financial institutions of distinct sizes, including Wells Fargo, Bank of America, CitiBank, Bank of the West, Credit Unions, and Community Banks that served the SBA community such as Open Bank, Wilshire State and Nara Bank. Mr. Pak holds a B.A. Degree from Bethany University and attended the Pacific Coast Banking School's graduate level management program.

Charles Yun

Executive Vice President

Chief Marketing Officer

Charles Yun has been in the banking industry for over 25 years and is currently serving United Business Bank as its Executive Vice President and Chief Marketing Officer. Mr. Yun is responsible for the development and the execution of the bank's marketing strategy while cultivating sales opportunities across various markets. Mr. Yun has also served as its Chief Lending Officer where he was responsible for the growth and maintenance of the Bank's commercial lending portfolio. Prior to joining United Business Bank, he served as a Senior Vice President at Umpqua Bank responsible for the middle market production group in the Bay Area. He also served as the Division Vice President at Stanford Federal Credit Union in charge of the credit union's National Commercial Banking program. Mr. Yun's experiences also extend to various positions with Comerica Bank, Silicon Valley Bank, and Heritage Bank. Mr. Yun holds a BS Degree in Finance from San Jose State University and an MBA in Strategy from Pepperdine University.

Izabella L. Zhu

Executive Vice President

Chief Risk Officer

Izabella L. Zhu joined United Business Bank as Chief Risk Officer and a member of the executive management team in September 2013. Ms. Zhu is responsible for developing, coordinating, and maintaining forward looking enterprise risk management framework and programs as the bank pursues various growth strategies. Prior to joining the bank, Ms. Zhu was a Senior Financial Institutions Examiner and a founding and inaugural member of the Examiner Council at the California Department of Business Oversight. She has served as Examiner-in-Charge of various large banks, troubled financial institutions, and trust departments. Prior to that Ms. Zhu was a financial advisor at Morgan Stanley. Ms. Zhu earned a Master's degree in Public Administration in International Development from the Kennedy School at Harvard University and a Bachelor's degree in International Economics from Peking University. Ms. Zhu is also a Certified Fiduciary Investment Risk Specialist.

Terry Curley

Executive Vice President

Director of Labor Service Division

Terry Curley joined United Business Bank as EVP/Director of Labor Service Division when Bay Commercial Bank acquired United Business Bank, FSB in April 2017. Labor Service Division is a newly formed business unit devoted to serving the Labor Communities. At the prior bank, United Business Bank, FSB, Ms. Curley has served as EVP/Chief Credit Officer (2012-2017), SVP/Credit Administrator (2009-2012), Credit Card Administrator (2008-2009), SVP/Regional Sales Manager (2005-2009), VP/Branch Manager (2000-2005) and Business Development Officer (1995-2000). In 1992, Ms. Curley received a BA in Political, Legal and Economic Analysis from Mills College, Oakland, CA. In 2005, she earned a graduate certificate from the Pacific Coast Banking School at University of Washington, Seattle, WA.