Kathy A. Howe, CRCP, CTFA, AIFA ®

Executive Vice President

The American National Bank of Texas
Director of Wealth Management
Registered Principal, OSJ:
FINRA Licenses – Series 7, 24, 63 & 65

Kathy has worked in the securities industry for 28 years, 8 years for international banks and governmental agencies mainly in Europe. She managed third party retail investment programs for community banks located in Oklahoma and owned several independent investment offices. Kathy has served on the advisory board for Nationwide Financial. She is a regular presenter at Linsco Private Ledger's national conference, and has authored numerous articles for trade magazines.

She was an instructor for the Intermediate School of Banking at Oklahoma State University. Kathy attended the University of Oklahoma, and Wharton School of Business, Executive Education Program at the University of Pennsylvania. Kathy is an OSJ Officer, a Compliance Professional holding the CRCP Designation through the FINRA, and has completed the FINRA Arbitrator Training program, she is a Certified Trust Financial Advisor, CTFA, and has completed Cannon Financial Institute's Trust School  Level I, II, and III, and holds the AIFA® Accredited Investment Fiduciary Auditor designation.

Robert D. Roten, CPA, CTFA

Senior Vice President, Retirement Group & Regional Trust Manager

FINRA Licenses – Series 7 & 63

Bob specializes in serving as Trustee of various types of personal trusts and employee benefit plans. Mr. Roten completed his Bachelor of Business Administration degree with a Major in Accounting at the University of Oklahoma, where he graduated "with special distinction". He has been a Certified Public Accountant since 1977 and is certified in Oklahoma and Texas. Bob has also completed the Graduate School of Banking and the Graduate School of Bank Investments and Financial Management, both at the University of Colorado. Additionally, Bob completed the National Graduate Trust School at Northwestern University and is a Certified Trust and Financial Advisor. He is a member of the American Institute of Certified Public Accountants, Texas Society of Certified Public Accountants, National ESOP association, and member and past president of the Tarrant County ERISA Group.

Lou Johnson, CFP®

Vice President, Trust Officer

FINRA Licenses – Series 7, 63, & 65

Lou is a Certified Financial Planner™ and a Trust Officer for American National Bank of Texas. She is a current director for the Rockwall Area Chamber board (having served as both treasurer and past board chair) and is a member of the Noon Rotary Club. Lou has a BBA in Accounting from the University of Texas at Arlington and has been FINRA registered since 1998. Lou is able to combine her accounting experience and her knowledge as a financial consultant to work with individuals providing comprehensive financial planning and extensive estate planning.

Suzan Wooten

Trust Officer and Estate Administrator

Suzan joined ANB in 1991 from an attorney's office where she handled estate planning and probate related matter for nine years. She is a graduate of the Texas Bankers Association Personal Trust School. Suzan specializes in estate planning, probate and personal trust relationships, while also handling living trusts, insurance trusts and court appointed trusts and guardianships.

Francis "Rob" Borowy, Jr.

Vice President and Trust Officer

Rob has been a Trust Officer since 1990.  He graduated from Texas Christian University with a Bachelor of Business Administration degree and has completed Texas Trust School I and II. Rob has extensive training and experience in ERISA and focuses on 401(k) Plans, Employee Stock Ownership Plans, retirement plans for small businesses, and rollover IRAs.

David Head

Vice President, Employee Benefit Administration

FINRA Licenses – Series 6 & 63

David Head is a Retirement Services Professional and Trust Officer for American National Bank of Texas. David has a BBA in Finance from the University of Texas and has twenty five years of experience in working with Retirement Plans and Personal Trusts. David is currently a CRSP and CEBS candidate. David also actively participates in the Juvenile Diabetes Foundation.

Vickie Gutierrez

AVP, Trust Operations Supervisor

Vickie joined the Bank in 1991 with 13 years of prior Trust operations experience. She is a graduate of the Texas Bankers Association Personal Trust School. Vickie is responsible for all aspects of trust operations, security transactions and custodial arrangements.

Bonnie Peery

Trust Operations Officer

Bonnie attended Texas Wesleyan College, Fort Worth, and graduated with a Bachelor of Business Administration degree. She has 14 years of trust experience.

Ginny McGinty

Trust Administration

Ginny joined ANB in 2004 after returning to the area from Colorado. She received her degree in Psychology in 2000 from Texas A&M University. Ginny started with the Trust Department as an Operations Clerk and is now a Trust Administrator handling various trust, estate and custody accounts.

Jeff Atwell

Senior Vice President, Trust Retirement Business Development Manager

Jeff has worked in the Retirement Plan marketplace for 30 years; He owned and operated a successful third party administration firm in Midland for 16 years and spent the past 14 years with Nationwide Financial as a Regional Vice President. In 2009 Jeff won Nationwide’s Regional VP of the year award for production, and is known industry wide for his knowledge and work with qualified retirement plans. Jeff brings a wealth of knowledge, contacts and relationships to the Wealth Management Group. Jeff is a native Texan, and attended Texas Tech. He is married to Lori, has one daughter and 2 grandchildren, and resides in Desoto.