Your Private Banker will clear your path to any account, loan, investment,
financial information or solution you require.
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| San Antonio |

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Howard H. Lutz
Group Executive Vice President
Division Manager, Private Banking
hlutz@broadwaybank.com, NMLS #593921
Howard joined Broadway Bank in 2012. He has over 15 years of experience in the banking and finance industry. He earned an MBA in International Business from the University of Incarnate Word in San Antonio and received his undergraduate degree from The University of Texas in Austin. In addition, Howard is extremely community service oriented with involvement in St Luke’s Episcopal School, Board of Trustees; Chamber Orchestra San Antonio, Board Member; University of the Incarnate Word, Development Board Member; and actively involved in the San Antonio Downtown Rotary Club.
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KaRynn O' Connell
Executive Vice President
Manager, Private Banking
koconnell@broadwaybank.com, MNLS #620208
KaRynn joined Broadway bank in 2012. She is a native of San Antonio and has over 22 years of banking experience, working closely with healthcare professionals, business professionals and executives. KaRynn earned her Bachelor of Business Administration in Finance from the University of Texas in Austin and has been involved in numerous community and civic organizations, holding leadership positions in the Junior League of San Antonio (President), Leadership San Antonio (Co-Chair) and Big Brothers Big Sisters. Currently she is an active member of The Battle of Flowers Association and the Downtown Rotary.
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Chris Fausto
Senior Vice President
Private Banker & Operations Manager
cfausto@broadwaybank.com, NMLS #614260
Chris joined Broadway Bank in 1990. In addition to being a Private Banker, Chris has a Bachelor’s degree in Business Management and is fluent in both English and Spanish. She assists various non-profit organizations in teaching the FDIC Financial Literacy Program and has served as a mentor at Oak Grove Elementary School. |
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Ken Herring
Senior Vice President
Private Banker
kherring@broadwaybank.com, NMLS #614277
Ken joined the bank in 2006. He has over 30 years of banking experience and works closely with Healthcare Professionals and Business Professionals and Executives. Ken holds a Bachelor of Science Degree in Business Administration from Trinity University. He has been involved with numerous community and civic organizations and serves as a Mentor in the Big Brothers Big Sisters school-based mentoring program.
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Margaret Below
Assistant Vice President
Private Banker
mbelow@broadwaybank.com, NMLS #607450
Margaret joined Broadway Bank in 1999. She has helped clients with all types of traditional and Private Banking needs. She speaks both English and Spanish and is involved in civic organizations throughout the community.
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Paul Kraft
Paul joined Broadway Bank in 2007, specifically to serve the Private Banking needs of clients in New Braunfels, San Marcos, and Hays County communities. He brings with him over 30 years of experience in all aspects of financial and banking services – as well as a lifetime of experience as a Central Texas native, graduate of New Braunfels High School and Texas State University.
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Michelle Pair
Senior Vice President,
Private Banker
mpair@broadwaybank.com, NMLS #616110
Michelle joined Broadway Bank in 2008. She holds a BBA from The University of Texas at Austin, has over 18 years of experience in Commercial and Private Banking in San Antonio primarily serving the needs of high net worth individuals and the businesses they support. She has served on the Boards of Family Violence Prevention Services and the Boys and Girls Clubs of San Antonio and is currently serving on the Board of Guide Dogs of Texas, Inc.
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| Austin |
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Roger D Bott
Senior Vice President,
Private Banker
rbott@broadwaybank.com, NMLS #607451
Roger joined Broadway Bank in 2008, specifically to serve the Private Banking needs of clients in the greater Austin area. Roger has over 30 years of banking experience in the greater Austin market and works closely with Healthcare and Business Professionals, and Corporate Executives. Roger holds a Bachelor of Business degree in Management from the University of Texas. He has been involved with various community and civic organizations in the Austin area.
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Dave Edwards
Senior Vice President,
Private Banker
dedwards@broadwaybank.com, NMLS #612845
Dave joined Broadway Bank in 2008, specifically to serve the Private Banking needs of clients in Dripping Springs, Hays County and southwest Austin. Dave has over 30 years of banking experience and has assisted clients with all types of traditional and Private Banking needs. He serves on the board of the Dripping Springs Chamber of Commerce, the Dripping Springs Community Foundation and is active in local civic clubs.
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Stephen S. Jeffrey
Senior Vice President
Private Business Banker
sjeffrey@broadwaybank.com, MNLS #612260
Stephen joined Broadway Bank in 2012 as part of Broadway’s expansion into the Austin market. As a third generation Austin native, Stephen has over 14 years of banking experience, with eight years in private banking and custom lending. Stephen primarily serves the needs of business owners and practitioners, as well as technology executives and real estate professionals in the Austin metro area. Stephen holds a Bachelor of Business degree in Finance from Texas State University, and serves on the Board of Trustees for the Austin Lyric Opera.
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Cliff Bandy
Senior Vice President
Private Business Banker
cbandy@broadwaybank.com, MNLS #821946
Cliff joined Broadway Bank in 2013. He has over 33 years of experience in the banking and wealth management industry in the Austin market. Cliff received his BBA in finance from The University of Texas at Austin and has been involved with numerous community and civic organizations throughout his career in Austin. He currently serves as a Director of The Texas Pioneer Foundation.
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