Highlands Bankshares, Inc. has named Ray Skinner as Executive Vice President of Consumer Banking and Wealth Management. Ray's career began at National Commerce Financial (NCF), where he served eighteen years as a Teller/Personal Banker, Branch Manager, Retail Group Manager, Director of Consumer Lending and Collections, and ultimately Director of Customer Experience for its four hundred plus branches. Subsequently, Ray served as Executive Vice President of Consumer Banking and Wealth Management for American Savings Bank.
In this role, he led the transformation of the bank's sales culture that significantly deepened the existing customer base and grew new relationships.