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Tony Ross

Executive Vice President & Chief Credit Officer Woodforest
National Bank

Tony Ross’ thirty-two (32) year career in banking has included general management, new business development, credit analysis, credit administration, and capital markets experience. Concurrently, Tony held a succession of increasingly more responsible positions within the Florida Army National Guard and the U.S. Army Reserve retiring in 2012 at the rank of Lieutenant Colonel, Infantry. He is a veteran of Operation Iraqi Freedom. 

Mr. Ross joined Woodforest National Bank in 2016 in The Woodlands (Houston) as Chief Credit Officer where he is responsible for effective, sound, and consistent underwriting and management within the bank’s loan portfolio and the achievement of business goals related to loans and deposits, fee growth, profitability, client retention, and credit quality. Tony leads commercial, small business, and consumer underwriting, credit risk, real estate risk, loan review, and credit policy. He serves on many of the bank’s committees including credit, ALCO, compliance, BSA, IT, and business continuity. Tony is also a past Chairman of the Risk Management Association (RMA) Gulf Coast Chapter, past President of RMA’s Texas Chapter, and is RMA-Credit Risk Certified. Additionally, Mr. Ross served on the faculty of the Consumer Bankers Association Executive Banking School. 

Prior to joining Woodforest, Tony was Executive Vice President and Senior Credit Officer for Iberiabank where he was responsible for reviewing and approving loans to Texas corporate, commercial and commercial real estate, healthcare, private banking, oil and gas exploration & production, and energy service businesses along with maintaining overall portfolio quality.  

During his career, Mr. Ross has served in Credit Officer roles for Capital One, Wachovia, Regions, and Washington Mutual where he was responsible for reviewing and approving loans to corporate, commercial, energy service, and oil and gas  businesses along with maintaining overall portfolio quality. 

Prior to entering credit risk management, Tony began his banking career with SunTrust Banks where he held corporate/investment banking and management positions in Ag Commodities/ Food banking, Corporate Banking, and Business Banking divisions covering Florida and the Western United States. In addition to Ag Commodities/Food, Mr. Ross’ industry expertise included insurance, rail roads, utilities, and media/telecommunications.  

A native of Houston, Texas, Tony was graduated from Washington & Lee University in 1983 with a B.S. in Geology and received his M.B.A. with honors from the Crummer Graduate School of Business at Rollins College in 1988. He is married to the former Janet Lee Bragin of Clearwater, Florida. Tony and Janet along with their daughter, Tova (age 18), and son, Avi (age 15), reside in the Memorial area where they enjoy golf, tennis, and fine wine.