|Business First National Bank|
Online Banking/Business Accounts
Online Banking/Personal Accounts
Joanne E. Funari
Ms. Funari, a founding member of Business First National Bank, has more than 23 years of experience in all facets of banking, including lending, marketing, sales administration, and management. As President, Ms. Funari is responsible for the Lending, Credit Administration, Operations, Business Development, and Marketing divisions of the bank.
Prior to joining Business First National Bank, Ms. Funari was Senior Vice President of Santa Barbara Bank & Trust. Before working at Santa Barbara Bank & Trust, she was Vice President-Corporate Lending Officer with City Commerce Bank in Santa Barbara and Vice President and Manager of Credit Administration at the Bank of New York. Ms. Funari's education includes graduating from the Pacific Coast Banking School with honors and exceptional performance in Asset Liability Management and Finance; University of California, Los Angeles; and Central City College in Syracuse, New York.
Ms. Funari is avidly involved in the Santa Barbara community as board member, co-chair of Fundraising and Event Committee, and past President of the American Lung Association of Santa Barbara and Ventura Counties; board member of Old Spanish Days; and chairperson of the Fiesta Party/Activity Planning Committee. She is also an active supporter of United Way Programs: Fun in the Sun, Day of Caring, and the Annual Campaign.
Senior Loan Officer
Since 1977, Mr. Duncan has been an active Commercial Lending Officer servicing small- to medium-sized businesses in the Santa Barbara area. As a creative and responsive lender who takes great pride in developing custom loan structures, Mr. Duncan helps local businesses and investors attain their financial goals. Prior to joining Business First, Mr. Duncan was Vice President/Senior Commercial Loan Officer of Santa Barbara Bank & Trust. Mr. Duncan is a graduate of Pacific Coast Banking School, and holds a Masters Degree in Business Administration from Golden Gate University and a Bachelors Degree in Business Administration from Pepperdine University. Active in the local community, Mr. Duncan is a board member of Sanctuary Psychiatric Centers of Santa Barbara.
Senior Vice President and Branch Administrator
Ms. Kavanagh has over 26 years of local community banking experience. As Senior Vice President and Branch Administrator, Ms. Kavanagh is responsible for overseeing the growth and development of Business First's retail banking system. Prior to joining Business First, Ms. Kavanagh worked for Santa Barbara Bank and Trust's retail banking system, and managed the Goleta office. Ms. Kavanagh is a graduate of Western States Banking School and holds a degree in Banking and Finance. In addition to her banking career, Ms. Kavanagh serves on the boards of Leadership Santa Barbara County and Goleta Valley Historical Society Development Committee.
Financial Relationship Specialist
Everyone with a Business First account is familiar with the vivacious Bibi Moezzi, Financial Relationship Specialist at Business First National Bank. Her upbeat personality and intellect aren't the only things that have gotten Ms. Moezzi where she is today. After receiving her Chemical Engineering Degree from Azad University, a private University in Tehran, Iran, Ms. Moezzi headed to the United States where she worked in the loan department of another Santa Barbara banking organization. In March 2003, Ms. Moezzi was recognized with an Extra Step Award from Congresswoman Lois Capps and the Santa Barbara Police Department for going above and beyond the call of duty. Actively involved in the Santa Barbara Community, Ms. Moezzi is on the Board of Directors for Santa Barbara's favorite celebration -- Old Spanish Days Fiesta.
T. Joseph Stronks
SVP, Product Development & Central Operations Manager
Mr. Stronks brings over 16 years of local community banking experience to BFNB. As Senior Vice President of Product Development & Central Operations, Mr. Stronks is responsible for overseeing the growth, integration and development of Business Firstís deposit product suite and general back-office services. Prior to joining Business First, Mr. Stronks worked for Pacific Capital Bancorp (parent company of Santa Barbara Bank and Trust), beginning as a part-time teller and serving as Assistant Central Operations Manager, Manager of Electronic Delivery Services (ATM, ACH, Online Banking, Document Imaging), IT Project Manager, and most recently as Manager of Enterprise Application Services. Mr. Stronks is a graduate of the University of California at Santa Barbara and holds a degree in Russian Language & Literature and International Political Science. He has studied Russian, French, Spanish, and German. In addition to his banking career, Mr. Stronks serves as Treasurer of the Buellton PTSA and lives in the Santa Ynez Valley with his wife and two boys.
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