Washington DC State of the Market

Mr. Miller founded WDC in 1967 and serves as its Chairman, Chief Executive Officer and Principal Stockholder. A graduate in Urban Planning from George Washington University, Mr. Miller's activities at WDC began with the development of six office buildings in Washington, DC from 1967 to 1985. During this time he guided the firm into retail development, taking the lead in developing twenty open-air neighborhood and community centers in eleven states from 1975 to 1987. Miller's on-going interest in his home town led back to Washington and a series of complex mixed-use projects: Georgetown Park, an award winning retail, office and residential project; Washington Harbour, the only privately developed project on the Potomac River; and Market Square, two mixed-use buildings with office space, retail space and residential units along Pennsylvania Avenue. Intrigued by the changes sweeping U.S. retail in the mid-1980s. Mr. Miller led WDC to create the Mills Concept — the value oriented super regional mall. Opened in 1985, Potomac Mills in Woodbridge, Va. was the prototype of this concept. By 1987, WDC focused its expertise in expanding the Mills concept to other major metropolitan areas, opening Franklin Mills (Philadelphia) in 1989; Sawgrass Mills (Ft. Lauderdale) in 1990 and Gurnee Mills (Chicago) in 1991. To further expand The Mills concept, Mr. Miller founded The Mills Corporation in 1993, capitalized at $1.3 billion through a NYSE public offering. Mr. Miller retired from The Mills Corporation in 1995 in order to pursue other development opportunities in his hometown of Washington DC. Between 1995 and 1996 Mr. Miller led the Mayor's Interactive Downtown Task Force, a 100-member committee charged with re-vitalizing Washington's central areas. Composed of over 100 key figures from the worlds of government, retail, entertainment, telecommunications, housing advocacy, and recreation, the Task Force identified the development opportunities and economic incentives essential to attract a critical mass of retail, housing, and entertainment to downtown. The Task Force's blue print has resulted in USS 6.21 billion in private and public expenditure including 5,242 new units of housing, 9 million square feet of office space, a new US$ 834 million Convention Center and new Museum of Washington DC within the old Carnegie Library. His involvement with the Downtown Task Force led him to develop Gallery Place, which combined equal portions of retail/entertainment, residential and office space on a site bridging the Verizon Center and Washington's Chinatown when it opened in the Spring of 2004. Mr. Miller is actively involved in civic affairs, including his memberships on the Boards of the Third Way and the Chesapeake Crescent, which he co-founded in 2007. In 2006, Mr. Miller was inducted into the Washington Business Hall of Fame.

John Germano is the Executive Managing Director of the Mid-Atlantic Region for CBRE, Inc., the leading provider of commercial real estate services globally. He is responsible for the strategic direction, performance and growth of the firm’s Greater Washington, D.C. regional offices. Under Germano’s oversight of the executive leadership team, the region has grown to include nearly 1,500 employees who manage more than 30 million square feet of commercial properties and annually complete more than 5,000 sale and lease transactions, 150+ financial consulting assignments and thousands of appraisals. With a dedication for collaboration in service delivery, Germano actively promotes the integration of multiple disciplines to ensure well-conceived, strategic solutions for complex client assignments. During his tenure, the company’s service offerings have expanded beyond traditional brokerage to become the market leader across the region in nearly every service line CBRE offers including: Asset Services Project Management Capital Markets Global Workplace Solutions Valuations & Appraisals and Real Estate Tax Consulting for all commercial product types Financial Consulting Services Workplace Strategy Consulting Services Loan Portfolio Sales Debt and Structured Finance Services With a diversified career that includes an extensive background in leasing, investment sales, and asset services, Germano has built a strong reputation based on providing superior client service. He continues to enhance the firm’s delivery of world-class real estate services to customers by creating diverse teams of high caliber professionals who are armed with the best support and technology in the industry. Germano has always been an active member of the community and is actively involved with the Board of Trade (Executive Committee and Board of Directors), Smithsonian Institution Libraries (Advisory Board), Washington Sports Alliance (Board of Directors), Federal City Council (Washington Trustee, Executive Committee, and Membership Committee), Economic Club of Washington, DC, District of Columbia Building Industry Association, Apartment and Office Building Association, and the Association for Corporate Growth (Board of Directors). He received his Bachelor of Science in Accounting from Bryant University and his Masters of Business Administration from The Graziadio School of Business and Management at Pepperdine University. Following his graduation from Bryant University, Germano achieved the rank of First Lieutenant in the U.S. Marine Corps.

Matt Bronfman is a Principal and the Chief Executive Officer of Jamestown. Mr. Bronfman joined the company in 1998 as General Counsel and in 2002 was named Managing Director and Chief Operating Officer. He became CEO in 2012, and is responsible for managing Jamestown’s global operations and overseeing corporate strategy and execution. Under Matt’s leadership, Jamestown has grown its portfolio of assets in the U.S. and expanded into Latin America and Europe. Mr. Bronfman has more than 25 years of experience in real estate and has led the acquisition, redevelopment and oversight for over $20 billion in projects, including Chelsea Market in New York City, Ponce City Market in Atlanta, Industry City in Brooklyn, the Innovation and Design Building in Boston, and Ghirardelli Square in San Francisco. Prior to joining Jamestown, Mr. Bronfman practiced law at Holland & Knight. He currently serves on the boards for the Atlanta BeltLine Partnership, the Metro Atlanta Chamber, the Jewish Federations of North America, and is Board Chair of the Jewish Federation of Greater Atlanta. Mr. Bronfman also serves as President of the board of Directors for the Jamestown Charitable Foundation, which supports nonprofits to help make cities more enjoyable places to live and work. He has been recognized as a leader in the industry and is a recipient of the Real Estate Roundtable President’s Circle Award; New York Observer’s 100 Most Powerful People in New York Real Estate in 2013 and 2014; Commercial Observer’s Top 100 Most Powerful People in Commercial Real Estate from 2015 to 2020; Atlanta Business Chronicle’s Most Admired CEO in 2017; 2019’s 100 Most Influential Georgians by Georgia Trend; and Atlanta Magazine’s Top 500 Most Powerful Leaders of 2019. Mr. Bronfman graduated Phi Beta Kappa and summa cum laude from Tufts University in Boston and attended law school at Northwestern University in Evanston, IL, graduating magna cum laude.

Anthony Lanier founded EastBanc in 1987 and remains its President and majority shareholder. In his capacity as President, Anthony is involved in all development decisions and strategic direction of the firm. Over the course of his career Anthony has co-developed over four million sf. of mixed use commercial Real Estate in multiple countries, with a transaction volume in excess of three billion dollars. He believes in urban revitalization, long-term values and superior quality paired with forward looking design in all aspects of re-development. Coupled with that philosophy he aims for long-term aggregation of assets and real estate as a complete business environment.

Drew Johnson is a Managing Director with Alvarez & Marsal Taxand in Washington, D.C., with more than 12 years of experience advising clients in a variety of industries, including professional sports, real estate and private equity. His experience includes planning for complex transactions and providing a full range of tax services that encompass initial planning through implementation and the preparation of the related tax returns. In particular, Mr. Johnson has worked with large companies regarding partnership tax issues, tax accounting methods, captive insurance issues and accounting for income taxes. He also has experience in responding to Internal Revenue Service (IRS) audits. Before joining A&M, Mr. Johnson spent seven years with Covington & Burling as a member of its tax and insurance practice groups. At Covington, his tax practice included representing a professional sports league and its marketing partnership in IRS examinations, representing professional sports clubs in IRS appeals regarding stadium financing and bonus deductions, and also litigation and arbitration relating to tax issues. His insurance experience at Covington included representing a bankrupt, former Fortune 500 steel company in negotiations that successfully settled its environmental coverage claims against many of its insurers. Earlier, Mr. Johnson was a law clerk for the Honorable Emilio M. Garza of the U.S. Court of Appeals for the Fifth Circuit. Before attending law school, he spent three years with the real estate and financial services tax practice of Arthur Andersen. Mr. Johnson earned his bachelor's degree in business administration, summa cum laude, with concentrations in accounting and economics, from the College of William & Mary. He earned his law degree from the University of Virginia where he was an Articles Editor of the Virginia Law Review and a member of the Order of the Coif. He also earned an Executive LL.M. in taxation from NYU School of Law. He is a Certified Public Accountant (CPA) in Virginia and a member of the Virginia Society of Certified Public Accountants and the American Institutes of Certified Public Accountants. He is also a member of the Virginia State Bar, the District of Columbia Bar and the American Bar Association. NOTE: Alvarez & Marsal employs CPAs but is not a licensed CPA firm.

Asheel Shah joined Kettler in 2007 and is President of the Multifamily Development division of the company. Mr. Shah has over 20 years of experience in the Washington DC real estate market and 14 years of experience dedicated to real estate acquisitions and development. He is responsible for the (i) company’s investment strategy, (ii) new business development activities, (iii) equity capital raising as well as (iv) building and maintaining partner relationships. Additionally, Mr. Shah serves on the Kettler Investment Committee and is principally responsible for making recommendations to the committee. Mr. Shah earned a bachelor’s degree in finance from St. Joseph’s University in Philadelphia, PA., and a master’s of business administration from the University of North Carolina, Chapel Hill. Prior to joining Kettler, Mr. Shah worked at Monument Realty, CarrAmerica Realty Corp. and Arthur Andersen LLP. He is an active member of the Urban Land Institute, serving on the Washington District Executive Committee and as a mentor for young leaders.

Christopher Doerr, managing director, joined Walker & Dunlop Investment Sales group in November 2015. Mr. Doerr will be responsible for the origination and execution of investment sales and equity capital raise for multifamily assets in the Mid-Atlantic and will be based out of the Bethesda, Maryland office. Prior to joining Walker & Dunlop, Mr. Doerr served as a senior managing director for five years at Cushman & Wakefield where he worked with the owners of institutional real estate providing disposition services for multifamily properties and land in the Washington, D.C. area as well as joint venture structuring, recapitalization, and equity placement. Before Cushman & Wakefield, Mr. Doerr was vice president of multifamily investments for Grubb & Ellis. Mr. Doerr holds a juris doctorate/MBA from the University of Richmond and a BBA from James Madison University. Beyond the Company, Mr. Doerr is a member of the DC Real Estate Group, Urban Land Institute, National Multi-Housing Council, and the Virginia Bar Association.

Stephanie Williams, President of Bozzuto Management Company and Operating Partner of The Bozzuto Group, has remained focused on providing extraordinary experiences to residents, clients, partners and employees of the company since joining the company in 2004. She directs the operations and an array of specialized initiatives for an apartment portfolio of 77,000 units across over 265 properties in the Northeast, Mid-Atlantic, Midwest and Southern regions. In 2017, Stephanie earned the Multi-Housing News Excellence Award for Executive of the Year, was named Minority Business Leader by Washington Business Journal and was honored as a member of Baltimore Business Journal’s Top 40 Under 40. In 2018, under Stephanie’s leadership, Bozzuto Management Company was awarded #1 Property Management Company by the National Association of Home Builders. Stephanie is Board member of the Real Estate Executive Council and an active member of the Urban Land Institute, and the District of Columbia Building Industry Association.

Roger D. Winston is leader of the firm’s Mixed-Use Development and Condominiums Practice Group. He has practiced real estate law in the Washington, D.C., region for more than 35 years, and has played a key role in bringing numerous significant projects and transactions to fruition both in the region and nationally. Mr. Winston has advised and represented many industry-leading developers, investors, and lenders on major projects in D.C., Maryland, Virginia, and throughout the United States. Mr. Winston is widely regarded and sought out as one of the leading practitioners in mixed-use and condominium planning and development. He works with clients to provide insights and alternatives for ownership and control and for flexibility to structure projects that reflect seamless, efficient, and value-added integration of uses. His experience covers practically every property type and use. This includes retail, commercial, senior housing, residential, office, parking, hotel, and mixed-ownership projects and condominiums, and numerous other mixed-use variations. Mr. Winston has represented many of the region's and nation's leading developers in planning and executing sophisticated mixed-use and mixed-ownership configurations to maximize operational, management, governance, and control mechanisms and efficiencies. He has planned, negotiated, and drafted the spectrum of mixed-use, air rights, vertical subdivision and condominium documents, reciprocal easement agreements, and related instruments for hundreds of successful projects. Mr. Winston advises on horizontal and vertical ownership and configuration options, including sub-condominiums and other legal structures to separate retail, residential, office, hotel, parking, and other areas, based on ownership, financing, and tax considerations. Mr. Winston has decades of experience analyzing virtually every aspect of property use and valuation. He has led complex due diligence efforts on prospective property purchases. He has represented owners of property acquired through foreclosure in successfully resolving tangled ownership and title issues, revising lot assemblages, and creating new documents so assets could be taken to market. Mr. Winston is also a leading authority on right-of-first-refusal laws regarding sale of rental properties that have been enacted in some Maryland and District of Columbia localities. Mr. Winston's extensive professional activities include currently serving as President-Elect of the prestigious American College of Real Estate Lawyers (ACREL), past Chair of the Real Property, Trusts and Estates Section of the American Bar Association, and on the Advisory Board of the Urban Land Institute (ULI) District Council for Washington, D.C. Pro Bono Experience Mr. Winston provided pro bono legal services to a single mother struggling to keep her 10 nieces and nephews out of the foster-care system following the death of her sister. The case was compelling enough to receive support and funding from the ABC show "Extreme Makeover: Home Edition." Montgomery County called on Mr. Winston to represent the single mother in the acquisition of a property financed by the county. Mr. Winston successfully completed the transaction in time to beat a 72-hour deadline required for consideration for "Extreme Makeover's" programming.

Michael J Darby is the principal and founder of Monument Realty, one of the most prolific integrated real estate service firms in the Washington, DC area. Mr. Darby has built Monument into a full-service real estate firm with expertise in Acquisitions, Development, Construction Management, Property Management, Leasing, Investment Sales for Commercial, Residential and Retail property. Through his dynamic leadership and visionary thinking, Mr. Darby has been a driving force in Monument's success for over 23 years and an active member of the Washington region's construction and development industry for nearly 40 years. Mr. Darby served as a senior vice president for Akridge prior to founding Monument. He also directed a number of downtown development projects while at The Carr Company, including such landmark restoration projects as the Willard Hotel and the Southern Railway Building. Today, Monument is transforming neighborhoods throughout the DMV with innovative projects like the new SoNYa district and residential buildings in NoMa, as well as the unprecedented assemblage and preservation project in Chinatown. Mr. Darby began his career in his native Australia, working with a Melbourne-based general contractor, and holds a degree in Construction Engineering and Business from the University of Melbourne. Mr. Darby has been active in numerous regional real estate organizations over the years and encourages Monument employees to participate in leadership roles in such organizations as the DC Building Industry Association, NAIOP, ULI, Real Estate Group and CREW DC. He is an avid skier, cyclist and kite-surfer and enjoys community outreach. He and his company have been long time supporters of the annual Real Estate Games, a charitable sports competition that supports the Juvenile Diabetes Research Foundation and he was the co-chair for six years.

Ronald D. Paul is the Chairman of the Board of Directors and Chief Executive Officer of Eagle Bancorp, Inc. and EagleBank, a community bank established in 1998 in Bethesda, Maryland. He has been involved in community banking for 28 years. Mr. Paul is one of the founding board members of the Bank, and has been instrumental in the growth of the Bank’s size to over $5.5 billion in assets and over 20 offices. EagleBank is the largest community bank headquartered in the Washington DC Area. Rated BBB+ by Kroll Bond Rating Agency, EagleBank is a member of the Independent Community Bankers of America, the Maryland Bankers Association and the Virginia Bankers Association. EagleBank has consistently been cited for its excellent overall financial performance by recognized bank rating services such as IDC Financial Publishing, Veribanc and BauerFinancial. For 2014, EagleBank was one of 40 banks named to the Honor Roll of Banks by Keefe, Bruyette and Woods and was named a Sm-All Star Bank by Sandler O’Neill & Partners. Eagle Bancorp, Inc. is a public company and its shares are traded on the NASDAQ Capital Market under the symbol EGBN. The Company is in the Russell 2000® Index, which measures the performance of the largest 2000 U.S. companies based on total market capitalization. EagleBank is the presenting sponsor of “EagleBank Presents the Bisnow Morning Brief,” an email subscription service providing daily news stories related to Washington, DC area commercial real estate. A founding board member of the Prince George’s National Bank in 1987, Mr. Paul continued to serve as director when the bank merged with Montgomery National Bank in 1991 and changed its name to Allegiance Bank. He was a director of Allegiance Bank from 1991 until September 1996, and a director of Allegiance Banc Corporation from 1991 until its acquisition by F&M National Corporation in 1996. Mr. Paul was born and raised in Oceanside, New York, and came to the Washington, D.C. area to attend the University of Maryland, where he received a B.A. in Accounting. In 1980, he began his career in real estate investment as a bookkeeper, and in 1987, formed his own investment company, Ronald D. Paul Companies, Inc. Mr. Paul’s real estate holdings include office buildings and multi-family apartment projects throughout the Washington Metropolitan area, as well as in Texas, Florida and Iowa. Mr. Paul was a director, as well as Chairman of the Audit Committee, of Republic Properties Trust, a New York Stock Exchange-listed real estate investment trust, until it was sold in 2007. He is active in private investments, which includes serving as Chairman of Bethesda Investments, Inc., a private venture capital fund. As President of RDP Management, Inc., he is also engaged in the business of real estate management. Very active in several charitable organizations, Mr. Paul serves on the Board of Directors of the Washington Hospital Center Foundation and, since 1987, on the Board of Directors of the National Kidney Foundation of the National Capital Area (“NCA”). Mr. Paul’s involvement with the National Kidney Foundation began in the 1980’s when he was diagnosed with kidney disease; he received a kidney transplant from his brother, Steven B. Paul, at the Washington Hospital Center in 1990. Nineteen years later, he received a second transplant from Kathy McCallum, Chief Financial Officer of Ronald D. Paul Companies. Mr. Paul served as Chairman of the Board of the National Kidney Foundation of the NCA from 2002 – 2003, and he also chaired the National Kidney Foundation’s Annual Kidney Ball—the largest one-day fund-raising event of the Foundation—in 1993 and 2000. In 2002, Mr. Paul founded the National Kidney Foundation’s Annual Ronald D. Paul Companies Kidney Walk, which has grown from approximately 40 to over 900 walkers and has raised over $900,000. While attending the University of Maryland, he was active in many community events and became the youngest member ever to serve on the Board of Directors of the American Cancer Society. As Chairman of Eagle Bancorp, in 2005, Mr. Paul founded the EagleBank Foundation, which annually raises funds for breast cancer research, patient services and education. To-date, the Foundation has raised in excess of $2.1 million.

Elizabeth Cooper has over 30 years of real estate experience as a top sales producer for over 20 years at Jones Lang LaSalle (JLL), and prior to that, as a real estate attorney for 10 years at Covington & Burling in Washington, DC. In addition to her real estate practice at Covington, she was one of the lawyers tapped to handle all real estate related matters for the firm. As Vice Chairman of JLL, she has negotiated more than 50 million square feet of office space around the globe, generating approximately $100,000,000 in revenue. She has dedicated her free time to mentoring the next generation of leaders in the industry; in particular, women. At JLL, she is the co-executive sponsor for the Women’s Business Network and sits on the Diversity and Inclusion Council. Since 2017, Elizabeth has co-chaired JLL’s Mentor Protégé program. This national program fosters cross industry and cross market collaboration to develop the next generation of leaders in the firm. Additionally, Elizabeth is the immediate past president of Commercial Real Estate Brokerage Association (CREBA) and continues as a member of the Executive Committee and Board of Directors. She is on the Board of the Nationals Youth Baseball Academy and is a member of the Economic Club of Washington, DC.

Camilo Garcia joined DPR in 2003 as a project engineer after completing his Master's in Construction Management at Purdue University. With DPR, he gained deep technical experience in healthcare and life sciences. In 2011, he moved to Bogota, Colombia where he provided consulting services throughout Latin America to several clients on their lean, IPD and BIM construction practices, and was also heavily engaged with long-lasting customer EMC Corporation by supporting their projects throughout Latin America before relocating to Washington, D.C. in 2014. Camilo is recognized as a strong operations leader for his discipline and commitment to his projects that have created many raving fans among customers. Camilo is one of the Business Unit Leaders for the Mid-Atlantic, which currently includes D.C., Richmond, Baltimore, Boston and New Jersey.

Steve Smith joined Cooper Carry in 1986 and was named a Principal in 2005. Devoted to the design of multi-tenant office buildings and office campuses, Steve has completed many complex projects during his tenure at Cooper Carry, primarily in mixed-use, office and corporate facilities. A number of Steve’s projects have received recognition including his work on the NASA Langley Research Center Headquarters in Hampton, Virginia which received the 2012 NASA Blue Marble Award for Excellence in Energy and Water Management. Steve is a member of several organizations including the American Institute of Architects (AIA) and the Design-Build Institute of America (DBIA). He is a graduate of the University of Notre Dame and is a registered architect.

Jason is a trusted advisor to developers, bankers, and investors in all types of commercial real estate transactions. He has a national practice and handles a range of deals from acquisitions and dispositions, leasing and development transactions to financing, loan workouts, corporate structuring, and joint ventures. Jason has extensive experience with a variety of asset classes, including office buildings, shopping centers, hotels, retail, mixed-use developments, and condominiums, and represents clients in transactions ranging from under five million dollars to hundreds of millions of dollars. Jason works with his clients to determine the most practical, cost-effective way to meet their goals. His clients describe him as a highly responsive problem solver who understands their business and provides sound advice to help them execute their strategic objectives. Jason also represents several non-profit organizations and has received numerous awards for outstanding pro bono service.

Trip Howell serves as International Director in Jones Lang LaSalle’s Mid-Atlantic Agency Leasing group. During his 26-year commercial real estate career, Mr. Howell has successfully represented building owners and tenants, completing more than 12 million s.f. in leases, including exclusive leasing/marketing assignments for over 10 million s.f.

Mr. Kovach is based in DC/Northern Virginia and manages Beacon Capital Partner’s asset management activities for Washington, DC, Northern Virginia, New York, and Chicago. Before joining Beacon in 2005, Mr. Kovach was the Market Officer for InterPark, Inc., a subsidiary of GE Real Estate, with oversight responsibilities for approximately 70 parking assets in the mid-Atlantic region. Prior to joining InterPark, Mr. Kovach was a Vice President/Regional Manager with JLL, where he worked for 10 years in the leasing and management division overseeing commercial office portfolios in excess of 8 million square feet for third-party clients in the Washington, DC and Columbus, Ohio markets. Mr. Kovach earned a Bachelor of Arts degree from Kenyon College and a Master of Business Administration degree from Duke University.

Mr. Sullivan has over 30 years of experience in the design of mechanical, electrical, plumbing and life safety systems for government, commercial and institutional facilities. His expertise includes managing large teams of multi-discipline design professionals on complex renovation projects, performing detailed lease reviews, and due diligence investigations. As the owner and founder of WFT Engineering, his day-to-day responsibilities include oversight of MEP/FP engineering activities, project management, accounting, marketing, and client relations. Mr. Sullivan is also qualified as an expert witness regarding codes. He has been a featured speaker and panelist at professional symposiums and events including Bisnow's 5th Annual Real Estate Strategies for Associations and Law Firms in 2015 and the Federal Markets & Property Summit on Architecture and Design on "New Initiatives in Green Building & Sustainability".

Phyllis Liebman Brill has over 20 years of construction management experience working for both commercial real estate developers and contractors in the DC Metropolitan area. She is responsible for the design, permitting, purchasing and construction of interior build-outs and cap ex projects within the MRP portfolio. Phyllis has a B.A. in English from SUNY Binghamton and a Masters in Interior Design from Mount Vernon College (now part of George Washington University). She is also a LEED accredited professional. Phyllis has been an active member of the DC Chapter of Commercial Real Estate Women (CREW) for over 13 years. She has served on the Executive Committee and on the Board of Directors. Phyllis is currently the 2017 President of CREW DC.

Ross Draber is the chief operating officer of United Bank, a subsidiary of United Bankshares, Inc., a $19.3 billion bank holding company. He is responsible for the performance and profitability of the Bank, directing commercial and consumer banking sales and service operations throughout the Washington, D.C. metro area. Draber oversees the region’s market presidents and works alongside them to drive growth and develop business strategy and execution plans. Draber has played an integral role in United Bank’s expansion since assuming the role in 2015. During that time, United Bank has grown to over 70 branches in Maryland, Virginia and Washington, D.C. It has the number one deposit market share among community banks in the Washington, D.C. Metropolitan Statistical Area. Draber is highly involved with the merger and acquisition team and was instrumental in the Bank’s successful acquisitions of Cardinal Financial Corporation and its subsidiaries George Mason Mortgage, LLC and Cardinal Wealth Services, Inc. (2017); Bank of Georgetown (2016); and Virginia Commerce Bank (2014). Draber previously served as a senior vice president of treasury and corporate finance. In this role, he managed the capital adequacy and regulatory risk of United Bankshares, Inc., serving on the Asset Liability Committee (ALCO) and stress test development team. He oversaw the mergers and acquisitions analysis and supervised commercial loan pricing and term sheet structuring within United Bank. Prior to that, Draber held several positions in treasury and credit administration. Draber is a CFA® charterholder and a 2017 Washington Business Journal 40 Under 40 honoree. He graduated from Washington and Lee University with a Bachelor of Science in Accounting and Business Administration.