JT is a Commercial Banking Officer who focuses on operating companies and has real estate development experience. JT holds a degree in finance from James Madison University and is a graduate of the Virginia Banker’s Association School of Bank Management. He has more than 2 decades of banking industry experience, and he joined TowneBank in 1999. JT volunteers with the Virginia Aquarium and is the former president of the Russell House at CHKD. “My passion is studying all facets of finance to help my members.”