Joel Ross

BDO Sales

Office: 251.463.1596 joel@zghduv.com

Contact: Joel Ross, BDO
Office: 251.463.1596  Fax: 855.631.4322
Email: joel@zghduv.com
Counties Served: Escambia, Okaloosa, and Santa Rosa.

Joel serves as a Business Development Officer for the Southwest Alabama and Northwest Florida area and is based in Saraland, AL. He has more than 15 years of experience in commercial lending and banking. Joel serves Baldwin, Butler, Clarke, Conecuh, Covington, Monroe and Washington counties in Alabama and Escambia, Okaloosa, Santa Rosa and Walton in Florida.

Marsha Asbury-Turner

BDO Sales

Office: 850.566.6152 marsha@zghduv.com

Contact: Marsha Asbury-Turner, BDO
Office: 850.566.6152  Fax: 855.777.3590
Email: marsha@zghduv.com
Counties Served: Bay, Calhoun, Dixie, Franklin, Gadsden, Gulf, Hamilton,  Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, Walton, and Washington.

Marsha serves as a Business Development Officer for North Florida & Panhandle and South Georgia and is based in Tallahassee. Marsha joined Florida First Capital in 2018 and has nearly 20 years of banking experience on both the commercial and retail side. She is a native of Tallahassee and provides comprehensive service throughout the SBA loan process. Prior to joining the company, Marsha served as commercial lender with Prime Meridian Bank, where she worked closely with borrowers in both commercial and consumer lending. She received a B.S. in Finance & Real Estate from Florida State University. Marsha has been involved with her local Rotary Club since 2014, and has served on other local boards throughout her career. Marsha is responsible for the following North Florida & Panhandle counties: Bay, Calhoun, Dixie, Franklin, Gadsden, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, Walton and Washington. In South Georgia, Marsha covers the following counties: Atkinson, Baker, Berrien, Brooks, Clay, Clinch, Coffee, Colquitt, Cook, Crisp, Decatur, Dougherty, Early, Echols, Grady, Irwin, Lanier, Lee, Lowndes, Miller, Mitchell, Seminole, Terrell, Thomas, Tift, Turner, Ware and Worth.

Kristen Tackett

VP Sales

Office: 904.861.2270 kristen@zghduv.com

Contact: Kristen Tackett, VP & BDO
Office: 904.861.2270  Fax: 321.415.0288
Email: kristen@zghduv.com
Counties Served: Alachua, Baker, Bradford, Clay,
Columbia, Duval, Flagler, Gilchrist, Nassau, Putnam, St. Johns,
and Union.

For nearly 20 years, Kristen has served as a Vice President and Business Development Officer for the Northeast Florida territory and is based in Jacksonville. During her time with the company, Kristen has put together more than 1000 deals resulting in hundreds of millions of dollars in SBA 504 loans and has consistently been one of the industry’s top producers. Prior to joining Florida First Capital, she earned a B.A. in Business Administration and a B.A. in Marketing from the University of North Florida. Kristen has successfully completed various banking courses through the Risk Management Association and the National Association of Development Companies. 504 lending is her passion and her many years of industry experience and her tenacious ‘never quit’ approach to lending makes her an excellent partner to both businesses and lenders. Kristen is responsible for 12 Northeast Florida counties, including: Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Gilchrist, Nassau, Putnam, St. Johns, and Union.

John Hanrahan

VP Sales

Office: 407.276.4961 john@zghduv.com

Contact: John Hanrahan, VP & BDO
Office: 407.276.4961  Fax: 407.650.3315
Email: john@zghduv.com
Counties Served: Citrus, Lake, Levy, Marion,
Orange, Osceola, Seminole, Sumter, and Volusia.

John serves as a Vice President and Business Development Officer for the Central Florida area and is based in Orlando. He has more than 16 years of experience in finance and marketing. Prior to joining the company, he was Vice President and Account Executive for GE Commercial Finance in Orlando. John also served as a Credit Manager for Wells Fargo. He received an M.B.A from Rollins College. John is responsible for 9 Central Florida counties: Citrus, Lake, Levy, Marion, Orange, Osceola, Seminole, Sumter and Volusia.

Scott Radway

VP Sales

Office: 727.871.8033 scott@zghduv.com

Contact: Scott Radway, VP & BDO
Office: 727.871.8033  Fax: 855.742.6233
Email: scott@zghduv.com
Counties Served: Hernando, Hillsborough, Pasco, Pinellas, and Polk.

Scott serves as a Vice President and Business Development Officer for the Tampa Bay Area and is based in Tampa. He has over 30 years of commercial banking experience. Prior to joining the company, Scott was the Business Banking Sales Manager in Hillsborough County for Wells Fargo. He also was the Business Banking Sales Manager for Regions Bank from 1998 to 2011 and was responsible for Broward and Palm Beach Counties. He received a B.S. in Finance from Florida State University. Scott is responsible for 5 counties in the Tampa Bay Area: Hernando, Hillsborough, Pasco, Pinellas and Polk.

Laurel McNamara

BDO Sales

Office: 561.764.4881 laurel@zghduv.com

Contact: Laurel McNamara, BDO
Office: 561.764.4881
Email: laurel@zghduv.com
Counties Served: Palm Beach.

Laurel serves as a Business Development Officer for Palm Beach County, Florida. Laurel earned her B.S. in Biological Sciences from Arizona State University. She has over 10 years of nationwide SBA-related lending experience and is active on many National SBA Association Committees and the Risk Management Association of South Florida Board.

William Wilson, CFP®, CCIM

VP Sales

Office: 239.691.4249 william@zghduv.com

Contact: William Wilson, CFP®, CCIM – VP & BDO 
Office: 239.691.4249  Fax: 833.219.8017
Email: william@zghduv.com
Counties Served: Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Highlands, Lee, Manatee, and Sarasota.

William serves as a Vice President and Business Development Officer for the Southwest Florida Region and is based in Ft. Myers. He has been in banking, commercial and small business lending since 1995 and has financed tens of millions of dollars of projects in Chicago, Las Vegas and Northern California before joining Florida First Capital. William provides hands on involvement with our banking partners, commercial realtors and economic development organizations. He is active in numerous organizations, including the Realtor’s Association of Sarasota and Manatee and the CCIM Chapter of Florida. William received an undergraduate degree from Purdue University and an MBA from Keller Graduate School of Management. He is a Certified Financial Planner®, holds the prestigious Certified Commercial Investment Member designation and is an honorably discharged Army Reserve Officer. William is responsible for 10 counties in the Southwest Region: Manatee, Sarasota, Hardee, De Soto, Highlands, Charlotte, Glades, Lee, Hendry and Collier. 

Mark Kruse

Executive Vice President & General Counsel

Office: 800.504.LOAN (5626) or 850-681-3601 mark@zghduv.com

Contact: Mark Kruse, EVP and General Counsel
Office: 800.504.LOAN (5626)  or 850-681-3601
Email: mark@zghduv.com
Counties Served: Broward.

Mark serves as Executive Vice President and General Counsel and is based in Tallahassee. Mark’s extensive resume includes serving as Senior Advisor on Government Relations for Buchanan Ingersoll & Rooney – one of the largest law firms in the nation. He also has deep experience in Florida state government having worked as Director of Legislative Affairs and Policy Coordinator for Transportation and Economic Development for Governors Rick Scott and Ron DeSantis as well as having held several staff positions in the Florida Senate and the Florida House of Representatives. Previously, Mark served as the Director of Closing and Assistant General Counsel for Florida First Capital.

Alejandro Buitrago

VP Sales

Office: 786.229.4688 alejandro@zghduv.com

Contact: Alejandro Buitrago, VP & BDO
Office: 786.229.4688 Fax: 877.835.1854
Email: alejandro@zghduv.com
Counties Served: Miami-Dade and Monroe.

Alejandro serves as a Vice President and Business Development Officer for the Miami-Dade Area and is based in Miami. Alejandro has more than eight years of experience in business management and development. Prior to joining the company, he was a support consultant with Tier I, a division of Windstream Corp., where he conducted business operations with the largest Latin American telecom client in Colombia. Alejandro also previously served as President of a family-owned manufacturing business where he focused on establishing strategic partnerships with industry leaders. He received a B.A. in Marketing from the University of Miami and reads, writes and speaks fluent Spanish. Alejandro is responsible for two South Florida counties: Miami-Dade and Monroe.

Brenda Marvin

BDO Sales

Office: 321.831.9147 brenda@zghduv.com

Contact: Brenda Marvin, BDO
Office: 321.831.9147 Fax: 833.477.0573
Email: brenda@zghduv.com
Counties Served: Brevard, Indian River, Martin, Okeechobee,
and St. Lucie.

Brenda serves as a Business Development Officer for the Space & Treasure Coasts and is based in Melbourne. She has over 30 years of banking and finance experience. Prior to joining the company, Brenda was a Vice President of Small Business Development Officer serving the Space & Treasure Coasts for BB&T, now Trust. Throughout her career, she has obtained diplomas in financial banking, consumer lending, residential mortgage lending and commercial lending from the Center for Financial Training. Brenda is responsible for 5 Florida counties: Brevard, Indian River, Martin, Okeechobee and St. Lucie.

Gayle Hoshstrasser

Regional Sales Manager

Office: 205.962.9137 or 800.504.LOAN (5626) gayle@zghduv.com

Contact: Gayle Hoshstrasser, Regional Sales Manager
Alabama & Georgia
Office: 205.962.9137 or 800.504.LOAN (5626) 
Email: gayle@zghduv.com
Counties Served: All other Georgia counties.

Gayle has more than 25 years of experience in the banking industry, specializing in commercial banking. As a top producer helping businesses realize their dreams of real estate ownership, she became enamored with the SBA 504 program and took the full leap into SBA lending as a Business Development Officer/SBA Specialist for JP Morgan Chase Bank and then Regions Bank. In 2020, Gayle joined the FCF/FFC team as an underwriter and now serves as Regional Sales Manager, facilitating the company’s expansion into Alabama and Georgia. From 2019-2022, she served on the Florida Association of Government Guaranteed Lenders (FLAGGL) Board and is active with other non-profits, including weVenture which ignites the power of women entrepreneurs.

Marsha Asbury-Turner

BDO Sales

Office: 850.566.6152 marsha@zghduv.com

Contact: Marsha Asbury-Turner, BDO
Office: 850.566.6152  Fax: 855.777.3590
Email: marsha@zghduv.com
Counties Served: Atkinson, Baker, Berrien, Brooks, Calhoun, Clay, Clinch, Coffee, Colquitt, Cook, Crisp, Decatur, Dougherty, Early, Echols, Grady, Irwin, Lanier, Lee, Lowndes, Miller, Mitchell, Seminole, Terrell, Thomas, Tift, Turner, Ware, and Worth.