Commercial Banking

Tell Us Your Story, and Let’s Grow Your Business

A consultative approach to commercial banking

Atlantic Coast Bank is the premier community bank in Northeast Florida and Southeast Georgia – we do business where you do business.

What makes us the “premier community bank” for business?

  • Our financial solutions are as robust as the biggest banks, while we still provide the benefits of a local relationship for convenience, service, decision-making and delivery.
  • We listen, so we can better understand your business and your needs. Then, we’ll work together to customize the solutions that help make your business more efficient, reviewing your working capital needs and helping to accelerate cash flow.

We don’t look for business transactions, we look for business relationships. We’re committed to long-term partnerships with all types and sizes of businesses, including professional services firms, manufacturing firms and distribution companies and with our SBA Group, franchise financing and the agricultural industry. And, because we seek to build and support our communities, we offer the same level of commitment to nonprofits and other community organizations.

Whatever stage you’re at in your business story, we can play a role in your success. Let’s start the conversation:


Meet our Business Bankers


Orlando, FL Group

Joe Losch
Joe Losch is a Senior Vice President and Market President of Central Florida. Joe joined the bank in 2015 and is responsible for building the Business Banking presence in Central Florida. He has over thirty years of experience in the banking and finance industry and has held numerous leadership positions with large regional banks. Joe has a Bachelors in Business Management from Ottawa University and a masters in Business Administration from University of Florida

Contact Information
Cell: 407-704-9450

Don Adams
Don Adams is Senior Vice President, Senior Lender. Don joined the bank in 2015 and specializes in USDA and SBA loans. He has over 40 years of experience in the banking industry and has held numerous leadership positions. Don has a Bachelors degree from University of West Florida and also attended the Florida School of Banking at the University of Florida.

Contact Information
Cell: 352-317-3049

Christopher Ascolese

Christopher Ascolese is Vice President USDA/SBA Lending, Relationship Manager for Central Florida. He joined the bank in 2015 and has over 18 years of experience in the banking industry. Throughout his career he has worked at community banks in various lending, investment, and business roles. He has a Bachelors of Science from William Patterson University.

Contact Information
Cell: 352.250.4797

Douglas Kingera

Douglas M. Kingera is Senior Vice President of Commercial Lending for the Central Florida Market. He joined the bank in 2016 and is responsible for growing and expanding our commercial banking relationships in this market.  Doug has more than 19 years of banking experience, specializing in lending and credit activities. Throughout his career, he has held positions in corporate banking, real estate, business banking and retail banking. Doug attended The Ohio State University where he studied business and finance.

Contact Information
Cell: 407-310-0441

Ryan Vandenburgh
Ryan Vandenburgh is Vice President Commercial Lending, Relationship Manager. Ryan joined the bank in 2015 and is playing a key role in generating new business relationships in Central Florida. He has 8 years of banking experience and has served in several lending positions over the course of his career. Ryan has a Bachelor’s degree from Massachusetts Springfield College.

Contact Information
Cell: 518-210-8171

Jacksonville, FL Group

Matthew Greene
Matt Greene is Senior Vice President and Area Executive for North Florida and Georgia.  Matt joined the bank in 2015 and is responsible for managing and growing the commercial banking presence in these markets.  Matt has 30 years of banking experience and has held numerous bank leadership positions.   Matt received his undergraduate degree and MBA from University of Central Florida.

Contact Information
Office: 904-998-5500
Cell: 904-868-4293

Bill Wendell
Bill Wendell is Senior Vice President, Professional Services Group. He is an 18-year veteran in the banking and financial services industry and joined Atlantic Coast Bank in 2006. Bill began his career at Merrill Lynch and also served as the Vice President of Private Client Services at Compass Bank. Bill has extensive experience working with small business owners, finding the right solutions for their banking needs and providing personalized service.

Contact Information
Office: 904-903-2704
Cell: 904-476-1008

Holly Rosenbloom
Holly Rosenbloom is a Vice President in our Business Banking group, handling commercial and private lending and banking. She started with Atlantic Coast Bank in 2014. With ten years of experience, her previous work includes commercial lending and commercial credit underwriting for a community bank in Jacksonville. Holly earned an undergraduate degree from the University of Florida and an MBA from Mississippi State University.

Contact information
Office: 904-903-2701
Cell: 904-386-6436

Tampa, FL Group

Susan Maurer 
Susan Maurer is Senior Vice President and West Coast Florida Market President. Susan joined the bank in 2016 and is responsible for building the business banking presence on the West Coast of Florida. She has been in the banking and finance industry for over 35 years and has held several leadership roles during that time. She got her degree from National University in San Diego and is very involved in several Tampa organizations.

Contact information
Cell: 239-233-0025
Office: 813-490-6619


Nick Satel

Nick Satel is Vice President Commercial Relationship Manager for Tampa Bay area. He joined the bank in 2017 and has over 15 years of experience in the banking and finance industry. Throughout his career he has held leadership positions at various financial companies. He graduated from the University of Florida with a degree in business.

Contact Information
Cell: 813.340.1310

Georgia Group

Adam Smith
Adam Smith is a Regional Business Banking Executive for Southeast Georgia in our Business Banking group. Adam started with Atlantic Coast Bank in 2014, and handles standard and specialized commercial lending, commercial deposit acquisition, and all associated non-credit services. With 13 years of experience, Adam previously worked at BB&T Bank as an investment counselor and commercial lender. Adam is a graduate of Valdosta State University and also attended the Risk Management Association-East Carolina University (RMA-ECU) financial institution management and advanced commercial lending school.

Contact information
Cell: 912-309-1663
Fax: 912-384-7043

Kerri Carr NMLS #1559769

Atlantic Coast Bank routing number: 261271717

Lost or stolen cards
During business hours: Call 1-800-342-2824; option 5
After hours: Call 1-800-342-2824; option 3, then option 1

©2016 Atlantic Coast Bank