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Our Story

Welcome to the Lakeside Family. For more than fifty years, we’ve built relationships.

Internally by giving our employees the authority to make decisions for their clients. Externally by providing our clients with customized service with impressive speed. This combination of responsibility, tailored products and urgency means both personnel and clients stay with Lakeside for decades. Even generations.

Yes, we’re a bank. But it becomes more than business when you work with folks for as long as we do.

 

 

Message From The Chairman

Lakeside: A Steady Hand at the Helm

Despite a volatile year, or perhaps because of it, Lakeside Bank had an excellent 2023. We provided a safe haven, attracting deposits from competition to bolster liquidity. We closed our 57th year at $2.64 billion in assets, up +17% vs. 2022. Lakeside is in the top 9.5% of banks in the entire country, the 385th largest of the 4,049 banks. We’re well positioned to accelerate our growth in 2024 and beyond.

The Macro Environment

2023 was yet another year of significant challenges which contributed to economic uncertainty, including higher energy and food prices, inflation, and volatile markets. While the banking sector has stabilized, many banks are now confronted with the aftermath of surging interest rates including compressed margins, AOCI losses (Accumulated Other Comprehensive Income), and rising default rates. Interest expenses also increased due to the need to maintain and compete for deposits.

Fortunately, in spite of the capricious economic landscape, the 2023 economy was fueled by large amounts of government stimulus, a healthy labor market, and consumer spending. The other side of the stimulus coin is the growth of the national deficit, now in excess of $34 trillion. This is obviously a near and long-term concern. Quantitative tightening is draining more than $900 billion in liquidity from the system annually – we have never experienced the full impact of tightening on this scale. These unprecedented forces cause us to remain cautious.

Five banks failed last year, which caused significant industry turmoil. They failed for a confluence of poor management reasons, mainly:

  • A high percentage of earnings assets in long maturity securities. When rates rose, they were vulnerable.
  • An unacceptably high concentration of uninsured depositors.
  • Lean capital, compounding the dangerous outflow of deposits.

A banker friend once said to me, “lean capital is problematic, but lack of liquidity can be terminal!” Or, as Warren Buffet graphically put it, “It’s only when the tide goes out that you learn who’s been swimming naked.” While the issues were institution specific, the impact drove up the cost of deposits at all banks across the country … and caused significant damage to business and consumer perception of the entire industry. Bank stocks suffered.

Lakeside Financials: Key Indicators for 2023

Lakeside’s balance sheet is strong, flexible, and compares favorably to the marketplace: Deposits were up 20% and our loan portfolio increased 12% for the year. Earning assets are short in duration, leverage capital is well in excess of “well capitalized” at 10.7% (more than twice the level needed for that highest category), and our asset generation machine allowed us to offset rising interest expense.

Additional priority information:

  • As noted, at year-end 2023, total assets were $2.64 billion. Total loans stood at $2.03 billion (81% of our earning assets) and securities at $296 million (12% of earning assets), and other investments at $178 million (7% of earning assets), manifesting total earning assets over $2.5 billion.
  • Return on Equity and Return on Assets were more than 17% and 1.65% respectively, both well above our national peer group average.
  • Our positive asset quality and a well-funded ACL reserve (Allowance for Credit Losses) at 1.30% provides for future risk exposure.
  • Our non-performing loans remain historically low, with the Bank in the top 17th percentile in asset quality, again among our national peer group.
  • Our loan and investment portfolio maturities are at 20 and 46 months, respectively, giving us the opportunity to reprice asset yields higher in the near short term. These portfolio durations will serve us well and allow us to offset interest rate costs.
  • Importantly, while many banks are hampered by commercial real estate loan issues and pulling back, Lakeside is healthy, open for business, and actively making loans. We will aggressively pursue this competitive opportunity in 2024.

 

New Branch Performance

Lakeside Bank’s three newest branches are exceeding all expectations: Oakbrook Terrace is at $56 million, Bridgeport $77 million and Park Ridge $53 million in deposits. These neighborhoods will provide us with stable, core deposits to nourish asset generation. I’m also pleased to report new locations are now in the planning stages. We expect additional branches to open in 2025, including Naperville.

Treasury Management

The department had a highly successful year, adding a record number of new clients. We also celebrated the largest “Positive Pay” service enrollments, fortifying clients from the ever-present threat of check and ACH fraud. Treasury Management is adding real-time payment technology, which will revolutionize how our clients conduct transactions, enhancing liquidity and efficiency in an increasingly competitive landscape. Lakeside Treasury Management continues to innovate, finding ways to help clients work more efficiently and save money. It is an increasingly important division of the Bank.

Additional 2023 News

In late May we closed on the sale of our Roosevelt Road operations center, moving those functions to Oak Brook. This provided multiple benefits: capital accretion of $5.38 million, cost savings of over $500,000 annually and a centralized branch network for efficiency and recruitment advantages.

We also converted our core processing capabilities to Fiserv, a leading financial institution data processing company, and added Zelle, improving real-time P2P payments for our retail clients.

Lakeside Meaningful Points-of-Difference

As always, it’s important to look, “beyond the numbers.” Lakeside is a different kind of bank. True service has always defined us. We’re Responsive, willing & able to Customize, finding solutions for our clients (not the other way around) and we Execute quickly and correctly. And we’re a unique size. Large enough to get done whatever our clients need done. And right sized to be incredibly nimble. I proudly refer to this as our “Goldilocks” position. We’re just right! These are the reasons why Lakeside clients remain Lakeside clients. There is no bank like Lakeside in the Chicago region … or the country. Our new account openings surged by 174.5% in 2023. Our brand is strong, our vision for the future is clear, and Lakeside is ubiquitous!

We do face a confluence of macroeconomic headwinds in 2024, including the national deficit, lingering inflation, credit card debt, and potentially sustained high interest rates. A presidential election year also brings unknowns. Whatever comes, Lakeside will always stand ready. We are that steady hand at the helm. And together, we will prosper. As Teddy Roosevelt said, “Make preparations in advance. You will never have trouble if you are prepared for it.” My thanks and appreciation to our entire Lakeside team, who always make sure we are prepared … and ready to creatively serve our clients.

 

Sincerely,

Philip D. Cacciatore
Chairman & Chief Executive Officer
Lakeside Since 1999

Mission Statement

Lakeside Bank is a leading, independent community bank that specializes in serving small and medium sized businesses in Chicago. By applying vigilance and utilizing superior business intelligence, we seek to create, identify and serve niche markets consistent with our expertise. We are committed to provide personalized service beyond the expectations of our customers by developing and leveraging close, long-term relationships. We will optimize shareholder value. We retain a knowledgeable employee base and strive to provide a fulfilling and supportive environment.

Our History

For over half a century, Lakeside Bank has grown community-by-community. By nurturing and remaining loyal to the businesses and consumers in our neighborhoods, we’ve always been financially strong. Beginning in 1966 in the South Loop, we now have ten branches and assets over $2.4 billion. We’ve grown carefully and responsibly, one client, one neighborhood, at a time.

Bank Officers

Lakeside Bank has an outstanding core of career Bank Officers that are dedicated to the goal of assuring that you and your business have an exceptional banking experience. With an average tenure of 19 years at Lakeside Bank, our Officers’ comprehensive banking expertise results in our ability to focus on customer care, utilize technology to make the banking process easier, provide quick loan approvals and closings, solve problems quickly and operate the bank in an effective and secure manner.

We encourage you to contact one of our Officers to discuss the many advantages of Lakeside Bank.

Philip D. Cacciatore Chairman of the Board & Chief Executive Officer
David V. Pinkerton Vice Chairman & President
Stan J. Bochnowski Executive Vice President & Chief Lending Officer
Todd G. Monte Executive Vice President & Chief Financial Officer
Daniel Welz Executive Vice President & Chief Operating Officer
Tim Savoca Executive Vice President & Chief Credit Officer
Jeff W. Miller Senior Vice President & Chief Information Officer
Bryan Orton Senior Vice President, Commercial Lending
Alan L. Rose Senior Vice President & Chief Marketing Officer
Brett Denker Senior Vice President & Group Lead, Commercial Lending
Joshua Coburn Senior Vice President & Group Lead, Commercial Lending
Stephen Fister Senior Vice President, General Counsel
Michael Fogarty Senior Vice President & Group Lead, Commercial Lending
Ken Kosin Senior Vice President, Commercial Lending
James McGrogan Senior Vice President & Group Lead, Commercial Lending
Pat McNulty Senior Vice President, Director of Human Resources
Tim Millins Senior Vice President, Retail Network
Justin Newhuis Senior Vice President & Group Lead, Commercial Lending
Bryan Orton Senior Vice President, Commercial Lending
Matthew Palmisano Senior Vice President, Director of Treasury Management
Todd Probasco Vice President & Group Lead, Residential Mortgage Lending
Janet Rendon Senior Vice President, Loan Administration
Nicholas Wycklendt Senior Vice President & Group Lead, Commercial Lending
Allan Adaya Vice President, Regional Manager
Danny Adler Vice President, Market Manager
Maria Baez Vice President, Retail Support Officer
Albert Czeszak Vice President, Market Manager
Jonathan Demas Vice President, Commercial Lending
Grace Demes Vice President, Market Manager
John Eilering Vice President, Market Manager
Angela Florida Vice President, Business Banker
Anthony Fong Vice President & Controller
Brian Kastle Vice President, Commercial Lending
Susanna L. Fong Vice President, Market Manager
Lisa Formanski Vice President & Compliance Officer
Tim Hangsterfer Vice President, Commercial Lending
Roman Hernandez Vice President, Market Manager
Ania Kozak Vice President, Market Manager
Juanita Lazzerini Vice President, Retail Mortgage Loan Operations
Jennifer (Tian) Lee Vice President, Commercial Lending
Christopher Manley Vice President, Commercial Lending
Rosemarie Mann Vice President, Deposit Ops
Robert Matijevich Vice President, Adverse Asset Officer
Alicia Medina Vice President, Bank Secrecy Act Officer
Tara Nerko Vice President, Market Manager
John H. Rogers III Vice President, Market Manager
Aniceto Ron Vice President, Information Systems
Joe Rubinas Vice President, Commercial Lending
David Spedale Vice President, Commercial Lending
Angela Villegas Vice President, Retail Branch Liaison
Fanny Yuen Vice President, Business Banker
Daniel Bles Assistant Vice President, Commercial Lending
Mal Dubert Assistant Vice President, Treasury Management
Jumana Elmadhoun Assistant Vice President, Assistant Branch Manager
Danielle Graziani Assistant Vice President, Portfolio Management
Janis Griffin Assistant Vice President, Assistant Controller
Rachel Harper Assistant Vice President, Lockbox & Item Processing
Lisa Ibarra Assistant Vice President, Facilities Operations Manager
John Jasinski Assistant Vice President, Call Center Manager
Jackie Kaczmarek Assistant Vice President, Assistant Branch Manager
Brett Lopeman Assistant Vice President, Commercial Lending
Henry Ma Assistant Vice President, Electronic Banking
Michael J. McCauley Assistant Vice President, Operations Officer
Valisa Pruitt-Wilks Assistant Vice President, Deposit Operations
Joseph Van Meter Assistant Vice President, Credit Administration
Robert Virzi Assistant Vice President, Reg. Compliance/ Risk Management Officer
Yolanda Berktold Personal Banking Officer
Chris Glenday Appraisal Officer
Steve Karlin Business Banking Officer
Ian Mackenzie Commercial Loan Officer
Albert Ng Assistant Branch Manager
Kimberly Pietrzak Loan Documentation Officer
Dorothy Rzeszutko Credit Officer
Ljiljana Stojanovich Loan Administration Officer
Elizabeth Zilis Retail Support Officer

Mortgage

Todd Probasco

Third base is called the “hot corner”. The ball comes at you hard & fast and you have to move faster. And then there are instant decisions to make. Do you make the long throw to first? Do you have time to cut down the runner sliding in at second to turn a DP? Todd Probasco was a third baseman. And dealt successfully with those constant challenges. Third base is a great analogy for how Todd has approached his twenty-year career in the mortgage industry. He’s always assessing the field and finding ways to help his clients. With impressive speed and accuracy. He’s been on the banking and the broker side of the mortgage business so he knows exactly how things work. In fact, he won the 2005 Illinois Mortgage Broker of the Year award!Todd joined Lakeside in 2017 to lead our team of Mortgage Loan Consultants … as well as continuing to help his own clients! Todd grew up in Palos Heights. He’s married, with two grown children. He’s a huge Bears and Sox fan and loves tailgating before the games. If you’re house hunting, re-financing or need a home equity loan, call, email or stop by and see Todd. He’s exactly the mortgage pro you want on YOUR team! Todd can be contacted at: Cell: 708.205.2983  Email: [email protected] NMLS# 232536

Andy Karabetsos

Andy Karabetsos is a Mortgage Loan Consultant at Lakeside Bank that has the experience to get your loan closed in today’s difficult lending environment.  He brings over 20 years’ experience, 14 of them at Lakeside Bank.  His understanding of the self-employed borrower is what makes him stand out from the rest of the pack.  Although rate is important, getting your loan closed and on time is vital as well. Contact Andy at 312-808-5862/office, 312-607-0038/cell or email him at [email protected] NMLS ID# 757269

Bryan Keane

Buying your first home, an investment property or refinancing a current mortgage? The process may seem daunting. Lakeside Bank and Bryan Keane makes the complex … easy. Bryan will be with you from start to finish. And he’ll work with you at times and places convenient for you. Lakeside and Bryan also provide services for anywhere in the country! Bryan is a native Chicagoan with 25+ years of progressive financial services experience. His diverse background of expertise across entrepreneurial, boutique and Fortune 500 firms working with clients in complex financial transactions puts him in a unique position to originate mortgages. He excels at walking his customers through difficult-to-understand transactions, translating the process into easy to understand language. Contact Bryan to begin your home financing. You can reach him directly at: (312) 399-6228 | Email: [email protected] NMLS# 1828705

James Pomposelli

NMLS# 266794 In addition to providing competitive pricing, great execution and next level service for home purchases and mortgage refinances, Jim also has mastered the complexities of renovation, rehab and new construction finance. After 12 years in investment banking working with Fortune 100 companies, Jim applies the same level of professionalism, integrity, and customer service to his clients whether it is a $1 million refinance for a CEO or a $250,000 purchase loan for a new home buyer. Most of all, Jim personally serves all his clients’ mortgage needs and is available 24/7 to make the mortgage process as smooth as possible. Jim can be contacted at: Cell: 312.339.0024 Email: [email protected]

Che Kay Wong

NMLS# 1452911

Board of Directors

Philip D. Cacciatore

Phil serves as Chairman of the Board and Chief Executive Officer for Lakeside Bank and has been with the bank since 1992. Phil graduated from DePaul University with a BS in 1994 and received his JD degree from DePaul in 1999. He also graduated from Stonier Graduate School of Banking at Georgetown University in 2002. Phil was appointed by the governor to the Illinois State Banking Board in 2004 and served for 10 years. He remains an active director on the following boards: Jos. Cacciatore & Co Real Estate, Jos. Cacciatore & Co. Insurance, Elgin Sweeping Inc. and Hunter Parking. He is also President of Lakeside Bancorp (Lakeside Bank’s Holding Company). Phil is also an instrument rated FAA certified pilot.

David V. Pinkerton

David is the Vice Chairman and President of Lakeside Bank, and is a member of the Executive Committee. He is a Senior Lending Officer and is focused on business development with an emphasis on business banking and commercial real estate lending. David is also the Vice President of Lakeside Bancorp (Lakeside Bank’s holding company). His career in banking started at Lakeside in 1989 and he's been an integral party of the bank ever since. David holds a BS and MBA from the University of Wisconsin at Madison. He is active in various community organizations including Concordia Place, which provides affordable child care and family services to low income families and 3Arts, which offers unrestricted grants to Chicago area artists.

Anthony Iaderosa

Anthony founded eSutures.com in 2000. The company specializes in helping health care facilities to streamline their supply management process by liquidating non-moving inventory to his website, then buying the devices they need on a “just in time” basis.

Anthony graduated from University of Illinois, Champaign Urbana in 1994 with a BS in Biology. Anthony then set off on a successful career in medical sales. After working for medical device companies, Anthony identified inefficiencies in the supply chain and used his entrepreneurial spirit to create eSutures.com. His company has helped firms worldwide save millions of dollars a year on surgical devices and products.

Anthony has served The Lakeside Bank Board of Directors since early 2015.

Mark T. O’Toole

Mark is an attorney and a founding partner of the law firm, Foran, O’Toole & Burke, LLC. He and his partners have built a multi-state practice and national reputation as champion of property owners’ rights. Foran, O’Toole & Burke, LLC represents the owners of commercial, industrial and special use properties in states across the country and represents corporate clients such as, Prologis, CenterPoint Properties, Waste Management, UPS, McDonald’s, Simon Property Group and Ozinga, Inc. A lecturer on eminent domain, condemnation and property rights, Mark has also authored multiple articles on related subjects. Mark is also an active real estate investor, acquiring and developing commercial properties, many of which required extensive remediation, rezoning and repositioning before being successfully completed and sold. Mark did his undergraduate work at Miami University and received his J.D. from Loyola University. A former law clerk to Justice William G. Clark of the Illinois Supreme Court, Mark was also Staff Counsel to the Speaker of the Illinois House of Representatives. He is a longstanding member of the Board of Directors of Easter Seals of Metropolitan Chicago. He has served as Vice Chairman of the Board, and is currently a member of the Executive Committee and Chairman of the Development Committee. Mark has been a member of the Lakeside Bank Board of Directors since 2021.

Peter C. Cacciatore

Peter Cacciatore is President of Jos. Cacciatore &Co. Real Estate, where he began as a property manager in 1977. He also serves as President of Hunter Parking Inc; a Chicago based company that has served the parking needs of the Chicagoland Area for over two decades

Peter is a member of the National Association of Realtors, Chicago Association of Realtors, Mortgage Banks Association of America, and the International Council of Shopping Centers. He serves on the Board of Directors for the Near South Planning board, and has invested in a significant parcel of real estate in the South Loop area. He is also Chairman of the “Kids and Cops Walk” for the Chicago Patrolman’s Association.

Peter has served on the Board of Directors for Lakeside Bank since 1999.

Dan Welz

Dan is the Executive Vice President and Chief Operating Officer for Lakeside Bank and is a member of the Executive Committee. In addition to managing Lakeside’s Retail Operations, Dan oversees the bank’s Retail Branch Network, Human Resources, Regulatory Compliance, Project Management Office, Vendor Management and Retail Support Office. Dan has over twenty six years of banking experience, eleven of which was spent at The Federal Reserve Bank of Chicago. Dan earned a bachelor’s degree in Finance from Valparaiso University and his MBA from Loyola University. Dan has been a member of the Lakeside Bank Board of Directors since 2021.

Daniel P. Leahy

Dan Leahy is an Executive Vice President and Partner at NAI Hiffman, specializing in assisting industrial users and owners with their real estate strategy and implementation. Dan is also the Founder and Managing Director of NAI Global Logistics.

Dan has expertise in all aspects of corporate real estate, having completed over 600 transactions totaling in excess of $2 billion in volume and is recognized as one of the country’s top industrial brokers. Dan has been nominated for the Chicago Industrial Broker of the Year Award eight times and has won the coveted award four times. He is a member of the board of directors for NAIOP Real Estate Development Association. In addition, Dan has received the NAIOP Industrial Transaction of the Year Award four times.

Dan has served on the Board of Directors at Lakeside since 2013.

Stan J. Bochnowski

Stan is an Executive Vice President of Lakeside and also serves as a member of the Executive Committee and Board of Directors. He is the Chief Lending Officer, responsible for oversight of all commercial and residential lending activities at the bank. Stan joined Lakeside in 1983. He has a Bachelor's degree from Purdue University and is a member of the Chicago Board of Realtors, Chicago Home Builders Association and Illinois Mortgage Banker Association. He also is a Director to the following organizations: Hong Kong Club, Valentine Boys & Girls Club of Chicago, Near South Planning Board, Southside Builders Association and the Chinatown Chamber of Commerce.

George C. Pappageorge

George has spent over three decades working to enhance our nation’s cities, while fostering public awareness and appreciation for architecture. Early in his career, he worked in Chicago as a designer and urban planner.  In 1981, he opened his own firm with David Haymes; leading extensive projects such as City Commons, Embassy Club, and Willow Court.

George is a licensed architect in 14 states and is currently principle-in-charge on large-scale planning and significant residential, mixed-use and retail projects throughout the United States.  At the age of 39, he was one of the youngest members to be elevated to the American Institute of Architects College of Fellows.

Over the years, George has lectured at numerous institutions and societies and has served on many design juries. His achievements have been published internationally and have been featured in numerous exhibitions. He has served on the Board of Directors at Lakeside since 2004.

Joe Liberti

Joe currently is the Enterprise Global Account Manager for Cintas Corporation, responsible for Fortune 1000 customer management. Joe has been with Cintas since 1995, winning their prestigious “President’s Club” annual award for new business development 20 times. Joe is also an experienced real estate investor in the Chicago market. His background in real estate involves multi-family acquisition and management, zoning modification, and over 20 years of experience in the Chicago residential market. Joe is a graduate of Lewis University with a degree in Marketing. He has served on the Lakeside Bank Board of Directors since 2021.

Todd Monte

Todd is Lakeside's Chief Financial Officer and leads the internal audit function. He is responsible for a wide range of responsibilities to assure the effective administration of the bank. He also oversees the lockbox, loan operations, payment processing information systems and compliance functions. Todd joined Lakeside in 1996. He has undergraduate and graduate degrees from DePaul University. Todd was appointed to the Executive Committee in 2000. Todd has been a member of the Lakeside Bank Board of Directors since 2021.

Executive Committee

Philip D. Cacciatore

Phil serves as Chairman of the Board and Chief Executive Officer for Lakeside Bank and has been with the bank since 1992. Phil graduated from DePaul University with a BS in 1994 and received his JD degree from DePaul in 1999. He also graduated from Stonier Graduate School of Banking at Georgetown University in 2002. Phil was appointed by the governor to the Illinois State Banking Board in 2004 and served for 10 years. He remains an active director on the following boards: Jos. Cacciatore & Co Real Estate, Jos. Cacciatore & Co. Insurance, Elgin Sweeping Inc. and Hunter Parking. He is also President of Lakeside Bancorp (Lakeside Bank’s Holding Company). Phil is also an instrument rated FAA certified pilot.

David V. Pinkerton

David is the Vice Chairman and President of Lakeside Bank, and is a member of the Executive Committee. He is a Senior Lending Officer and is focused on business development with an emphasis on business banking and commercial real estate lending. His career in banking started at Lakeside in 1989 and he's been an integral party of the bank ever since. David holds a BS and MBA from the University of Wisconsin at Madison. He is active in various community organizations including Concordia Place, which provides affordable child care and family services to low income families and 3Arts, which offers unrestricted grants to Chicago area artists.

Stan J. Bochnowski

Stan is an Executive Vice President of Lakeside and also serves as a member of the Executive Committee and Board of Directors. He is the Chief Lending Officer, responsible for oversight of all commercial and residential lending activities at the bank. Stan joined Lakeside in 1983. He has a Bachelor's degree from Purdue University and is a member of the Chicago Board of Realtors, Chicago Home Builders Association and Illinois Mortgage Banker Association. He also is a Director to the following organizations: Hong Kong Club, Valentine Boys & Girls Club of Chicago, Near South Planning Board, Southside Builders Association and the Chinatown Chamber of Commerce.

Todd Monte

Todd is Lakeside's Chief Financial Officer and leads the internal audit function. He is responsible for a wide range of responsibilities to assure the effective administration of the bank. He also oversees the lockbox, loan operations, payment processing information systems and compliance functions. Todd joined Lakeside in 1996. He has undergraduate and graduate degrees from DePaul University. Todd was appointed to the Executive Committee in 2000.

Dan Welz

Dan is the Executive Vice President and Chief Operating Officer for Lakeside Bank and is a member of the Executive Committee. In addition to managing Lakeside’s Retail Operations, Dan oversees the bank’s Retail Branch Network, Human Resources, Regulatory Compliance, Project Management Office, Vendor Management and Retail Support Office. Dan has over twenty six years of banking experience, eleven of which was spent at The Federal Reserve Bank of Chicago. Dan earned a bachelor’s degree in Finance from Valparaiso University and his MBA from Loyola University.

Tim Savoca

Tim is Executive Vice President and Chief Credit Officer for Lakeside, joining the Bank in 2006. Tim chairs the Loan and Risk Management Committees and sits on the Adverse Asset, ACH and Executive Committees. He is responsible for the Bank's Loan Policy and Lending Guidelines. Tim also created and formalized Lakeside's Credit Administration practices and manages the Interest Rate Swap Program. Tim has trained more than 30 current Lakeside employees and proudly watched as many have risen through the ranks. Tim founded the MPS Memorial Foundation in 2010 to raise awareness and funds to support organizations dedicated to finding a cure for Pulmonary Fibrosis. He holds an undergraduate degree from the University of Illinois at Urbana Champaign and an MBA from DePaul with a concentration in Real Estate Finance and Investment.