Our Leadership Team

Encore Bank’s Leadership Team is comprised of successful and experienced professionals. Each member of the team is dedicated to the communities where they live and work along with developing lasting relationships with the clients that they serve. We invite you to stop by one of our branches today to meet with these exceptional individuals.

Mr. William Blevins is Executive Vice President of Encore Bank. Mr. Blevins has been a member of the company since March 2011 and currently leads the Encore Bank commercial lending team in Lee, Collier, and Charlotte Counties. Mr. Blevins, a twenty-eight year banking veteran, was formerly the Southwest Florida Market Executive and Business Banking Director of Wachovia Bank, a Wells Fargo Company. Prior to that, he had seven years of commercial banking experience in Fort Myers with Bank of America and BancTexas in Dallas.  He graduated from West Virginia University with a Bachelor of Science degree in Management and Economics and received his M.B.A. in Finance and Accounting from Louisiana State University.

Mr. Brian Avril is currently the Executive Vice President and Chief Financial Officer of Encore Bank. He is responsible for the holding company and Bank financial accounting, reporting and asset and liability management. Prior to joining Encore in July 2014, Mr. Avril spent nearly 25 years serving as CFO for international, national and statewide banks around the state of Florida. He oversaw all aspects of his previous bank’s financial condition, as well as its operations, technology and human resources functions.  Mr. Avril also served as Senior Vice President and CFO of an institution focused on serving the financial service needs of nearly 1,000 of America’s credit unions.  He received his M.B.A. from University of South Florida in Finance and Accounting.

Mr. Christopher Houtchens is Executive Vice President, Chief Credit Officer at Encore Bank. Mr. Houtchens has been a member of the company since January 2017. Mr. Houtchens has forty-five years of banking experience, mostly in Southwest Florida markets. Most recently, Mr. Houtchens served as Executive Vice President, Regional Senior Credit Officer for the Atlanta market of a commercial bank with locations throughout the southeastern U.S. Mr. Houtchens holds a business administration and marketing degree from the University of South Florida.

Mr. Dharmesh Patel is Senior Vice President and Head of Retail Banking for Encore Bank. Currently Mr. Patel oversees all branch banking operations, new product releases, marketing and Human Resources. Mr. Patel has over 20 years of progressive experience in the banking industry with expertise in sales management and bank operations.  Mr. Patel received a Bachelor of Science in Business Administration from the University of Central Florida and graduated with honors from the Florida School of Banking at the University of Florida.

Mr. Thomas Ray is currently the Chief Executive Officer and President of Encore Bank. As the CEO and President he sets strategic direction and guides the overall performance of the Bank. Mr. Ray has 30 years of experience in the banking industry, during which time he held senior executive and lending positions with First Union (Wachovia), Barnett Bank of SW Florida and First Florida Bank. Mr. Ray holds a B.A. in Business Administration and Finance from Florida State University and an M.B.A. from the University of South Florida.


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