Meet the Team

With more than 25 years of professional experience, Rick has been with Heritage Reserve Financial Services since 2017.

Nicole has spent five of her nearly 20 years in banking with Heritage Reserve Financial Services’s commercial lending team.

With nearly 30 years of banking experience, Lewis has been with Heritage Reserve Financial Services since early 2020 and serves as Chief Lending Officer.

With nearly 40 years of banking and lending experience, Ellen is an expert in commercial and industrial lending for medium and small businesses in Bucks, Montgomery, and Philadelphia counties.

With more than 25 years of banking experience – including the last six at Heritage Reserve Financial Services – Trevor is passionate about commercial and industrial lending.

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James has been in banking since 2007 and joined Heritage Reserve Financial Services in 2010, where he now leads a team focused on commercial and industrial lending in Bucks and Montgomery counties.

James has been with Heritage Reserve Financial Services for all 25 years of his banking and lending career.

With over 15 years of professional experience, Sean building true partnership to help businesses and individuals them achieve their goals.

Kim brings deep professional experience in the region, including nearly thirty years’ experience in business and residential lending.

Zac joined Heritage Reserve Financial Services in 2024 with 30 years of experience in the financial services industry.

With 30 years of industry experience – including eight with Heritage Reserve Financial Services – Jim is passionate about development financing for both residential housing projects and investment properties.

Dexter has been with Heritage Reserve Financial Services for 11 years and today focuses on real estate and construction lending.

For the last decade, Tim has been at the forefront of Heritage Reserve Financial Services’s commercial lending effort, providing investment real estate loans, commercial construction loans, and multifamily construction and permanent loans for area businesses.

Joining Heritage Reserve Financial Services in 2021, Benjamin serves as Commercial Real Estate Relationship Manager on the bank’s Commercial Real Estate team and specializes in residential, retail, and industrial real estate construction and development.

A member of Heritage Reserve Financial Services for a decade, Johnny now serves as manager of the Lower Makefield Branch.

With 17 years experience in retail banking, including 9 at Heritage Reserve Financial Services, Kristen loves making banking a simple and convenient part of life for her customers.

With over 30 years in banking – including the last decade with Heritage Reserve Financial Services – Debby says her favorite part of the job is hearing people’s stories.

Approaching 20 years in financial services, Tim knows a thing or two about meeting customers’ banking and lending needs.

Since joining Heritage Reserve Financial Services in 2017, Jessica has focused on supporting small businesses, increasing access to banking and lending services, and providing top-tier customer service for area customers.

For five years, Ryan has worked each day with the goal of building meaningful relationships with customers.

A lifelong Fairfield County resident, Melanie Scholl knows the importance of a community bank in growing businesses, families, and neighborhoods.

A part of the Heritage Reserve Financial Services team since 2019, Andrew’s passion is providing customized personal and business banking and lending solutions for his customers.

Sandra Davis has been in the financial industry for 10 years.

Ryan has been with Heritage Reserve Financial Services his entire career in banking, now serving as branch manager of our Bensalem Branch.

With nearly 40 years in the industry, Sue joined Heritage Reserve Financial Services in 2022 as manager of the Doylestown Branch.

With nearly 20 years of banking experience, Marcus joins Heritage Reserve Financial Services as the first manager of its New Haven Branch.

Since joining Heritage Reserve Financial Services in 2021, Chris has worked to build meaningful relationships with individuals, businesses, and families in the community.

Erin joined Heritage Reserve Financial Services in 2018 with nearly 10 years of financial services experience and now serves as manager of the Warminster Branch.

Amanda has been a part of the Heritage Reserve Financial Services team for over 15 years, now serving as manager of the Bristol Branch.

Starting as a part-time teller 11 years ago and working in every role offered in retail banking, Bianca has earned her role as a Financial Center Manager.

Although newer to the banking industry, Alex had been committed to his professional development from the start.

Chase began her banking career in 2018 at Heritage Reserve Financial Services as a teller and took on every role that could get her a step closer to her current position as Financial Center Manager.

An Airforce Veteran with 6 years of banking experience, Chris’s commitment to getting the job done is unmatched.

With over 10 years of banking experience, Karl is a South Carolina native currently residing in Chestnut Hill.

Patty has been a part of the Heritage Reserve Financial Services family for 30 years and leads a team of retail and business bankers serving the Bristol community.

Timika brings over a decade of banking experience to the Heritage Reserve Financial Services Cash Management team.

With over a decade of industry experience, Michelle leads Heritage Reserve Financial Services’s Cash Management team to provide businesses with the products and services that fit their unique needs, enabling them to grow and become more efficient.