Mr. Umbaugh joined T Bank as President of the SBA division in 2012. He is a seasoned banker with over 30 years of bank strategic and management experience. Mr. Umbaugh has spent the last 15 years as founder and President of successful national Small Business Administration divisions. For the 10 years prior, Mr. Umbaugh worked in correspondent banking covering several states including facilitating stock lending and analysis for bank acquisitions and mergers. He entered the SBA industry in 1995, and after a few years as a business development officer, he founded and managed a new SBA business line for a multi-billion publicly traded bank. A Colorado native, Mr. Umbaugh is a graduate of Colorado State University in Fort Collins, Colorado, with dual degrees in Accounting and Finance.