Our Bank’s History May Be Just Beginning, But Our People’s Banking Experience Is Long and Varied
Our Vineland building is already a landmark on South Main Road. Our systems are among the most sophisticated available to a financial institution. Our business and consumer financial products are consistent with our industry and the needs of the local economy.
But without an experienced staff behind them, a bank is bricks and mortar, equipment, and a rack full of bright-colored folders. Capital Bank’s staff is unexcelled when it comes to its knowledge of banking possibilities, alternatives, and regulations and its dedication to integrity and personal service.
David
J. Hanrahan, Sr.
President & Chief Executive Officer
David J. Hanrahan is the founding President and CEO of Capital Bank and also
serves on the bank’s Board or Directors. He was its first employee, hired by
Capital Bank’s Organizers in mid-2006.
Prior to becoming President and CEO of Capital Bank, he spent 16 years at The Bank, f/k/a The Bank of Gloucester County, part of the Fulton Financial Corporation. Hanrahan holds a B.S. in Accounting from Rutgers University – Camden School of Business. He is also a graduate of the Stonier Graduate School of Banking from the American Bankers Association/University of Delaware.
He currently serves as Treasurer of Fellowship Bible Church in Mullica Hill, New Jersey, is a Member of the Vineland Rotary Club and a Member of the Greater Vineland Chamber of Commerce. He also serves on the Board of the Cumberland County Habitat for Humanity, and is a member of the American Bankers Association Community and Economic Development Committee. He serves as a Guest Professor for the annual Rutgers University Guest Professor Program and is a past instructor for the American Institute of Banking/CFTNJ. Hanrahan resides with his wife and five children in Mullica Hill, New Jersey.
Thomas
J. Lobosco
Executive Vice-President & Chief Financial Officer,
With a Bachelor of Arts degree in Accounting from Rutgers University
and more than 30 years’ experience in commercial banking, operations,
auditing, finance, and asset liability management, Tom is highly
qualified for his present position. During Capital Bank’s planning
and development prior to opening, he served as a consultant to
the organizers. Before that, he was Executive Vice-President,
CFO/COO, and Secretary of Liberty Bell Bank, which he joined in
July 2005, after having served seven years as CFO/COO of the Pennsylvania
Business Bank, in Philadelphia. From 1989-1998, he was Senior
Vice-President, Treasurer, and CFO of The Bank of Gloucester County,
in Woodbury, NJ. Having grown up in Philadelphia, Tom lives in
Washington Township with his wife, Nancy. He enjoys travel, tennis,
and fishing.
Tony
Altadonna
Executive Vice President & Chief Lending Officer
A 1972 graduate of Rutgers University with a Bachelor of Arts degree
in economics, Tony joined Capital Bank of New Jersey in February
2007. His previous financial experience includes division manager
of Fleet National Bank’s small business lending department southeast
Pennsylvania and southern New Jersey (2001-2002); senior vice president
and senior lending officer of Lenape State Bank (1985-2001); and
FDIC bank examiner – New York region (1974-1985). He is the author
of “Where’s the Money and How to Get It,” published by SCORE in
1994. He was a reservist in the U.S. Army in the 1970’s. The Camden,
NJ native lives in Pilesgrove with his wife, Janice. They have
two children, Amy and Emily.
Elaine
Melfe
Vice President of Operations A BSA officer with a number
of AIB banking courses on her resume, Elaine joined Capital Bank
of New Jersey in 2007 as vice-president of operations and BSA officer.
She also heads Capital’s human resources and IT departments. During
a professional career that began in 1972 as teller manager for
National Bank & Trust Company of Gloucester County, she has
held a number of executive positions, including teller manager
and assistant manager at First Fidelity, assistant manager and
mortgage originator at First Union, manager and conversion specialist
at “The Bank” of Gloucester County, and senior vice-president of
operations and BSA officer at Pennsylvania Business Bank. She is
credited with the creation of policy and procedures manuals for
two financial institutions. Having grown up in Colonial Manor,
NJ, she resides now in Mickleton with husband Tom. They have three
children: Tom, Mike, and Christina. Among her pastimes are gardening,
reading, building sand castles, and camping.
Cosmo
Giovinazzi, IV
Vice President & Cumberland County Market Manager
Cosmo received a Bachelor of Arts degree in economics from Villanova
University in 1995. His many voluntary community activities include
vice chair of Big Brothers of Cumberland and Salem Counties, president
of the Police Athletic League, board member of the Vineland Chamber
of Commerce, board member of Cumberland County Technical Education
Foundation, and member of the Italian American Benevolent Association.
He writes “Cosmo’s Corner,” a regular financial feature in Vineland’s
weekly newspaper, The Grapevine. Born and raised in Vineland, he
lives there still with his wife, Donna Marie. Among his pastimes
are running, skiing, and working in the backyard.
Joseph
Rehm
Vice President & Gloucester County Market Manager
Graduate of Gloucester County College with an Associate of Arts
degree in business administration and of Gloucester County Institute
of Technology, Joe served as a teller and, later, as credit analyst
at Woodstown National Bank and, from 2001-2007, as assistant vice
president in the commercial lending department of “The Bank” of
Gloucester County. Born and raised in Clayton, Joe lives there
with his wife Tonya and their two children, Elijah and Maura.
Sheryl
Zappala
Assistant Vice President – Loan Operations
A 1978 graduate of Gloucester County College with an Associate
of Arts degree in accounting, Sheryl was employed by National Bank & Trust
Company of Gloucester County from 1978-1987 as credit analyst;
by Woodstown National Bank & Trust Company from 1988-2001 in
the credit and loan accounting departments; and by “The Bank” of
Gloucester County – first, in the loan accounting department, from
2001-03, and then as assistant credit department manager, from
2003 until 2007. She joined Capital Bank in 2007. The Clarksboro,
NJ, native resides in Swedesboro with her husband, Russell and
their son, Timothy. Sheryl enjoys running and cycling.
Denise
Zemanik
Branch Manager, Assistant Vice President
Denise has long years’ experience in banking beginning with Minotola
National, where she served as teller, branch manager, operations,
loan officer, and assistant vice-president during her twenty-seven-year
tenure from February 1979 to April 2006. She was next employed
by Susquehanna Bank until February 2007, when she joined Capital
Bank of New Jersey’s business development department. Among her
professional contributions, she instituted procedures and authored
manuals concerning banking operations. A notary public and security
officer, Denise attended Cumberland County College and has various
AIB banking courses to her credit. The Vineland native lives with
husband, Rich, and daughter, Kristina, and enjoys jogging and gardening.
