Independent Banker - July 2021 - 74

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to using technology and electronic
communication to help small
businesses across the nation and in
our own backyard, " Zernick says.
The group of existing SBA lending
staff and added staff-its " PPP army, "
as Zernick calls it-consisted of
representatives from every product
line and operations area. " We
held daily and nightly briefings,
updating our army on changes to
the process, fixes for the glitches
and improvements to technology
and reporting, " Zernick says. The
process was like building a race car
while driving the Indianapolis 500,
he adds.
Zernick's work extended outside
the walls of First Home Bank. He was
called to testify before the Senate's
Small Business Committee this past
December, where he asked for PPP
and SBA-related improvements.
All four of his requests were
incorporated into the relief bill that
led to round two of the PPP.
" I coined the phrase that we
needed a 'business vaccine,' asking
for additional PPP and other SBA
revisions, " he says.
Huge growth
The new working model created
within First Home Bank turned out
to be what Zernick describes as the
most significant cultural change in
its history. The pivot to exclusively
working on the PPP ended up helping
the community bank overall. Prior to
getting involved in the PPP, the bank's
assets were $600 million. That has
increased nearly three-fold and is now
$1.7 billion.
Looking back on an unusual year,
Zernick says, everyone at the bank
feels gratified. " As we watched the
dollars get disbursed to the needy
businesses and received the wonderful
love letters from our happy PPP
recipients, " he says, " all of us realized
we were making a tremendous impact
on thousands of families. "
William Atkinson is a writer in Illinois.
" We held daily and nightly
briefings, updating our army on
changes to the process, fixes for
the glitches and improvements
to technology and reporting. "
-THOMAS G. ZERNICK, FIRST HOME BANK

http://www.Independentbanker.org

Independent Banker - July 2021

Table of Contents for the Digital Edition of Independent Banker - July 2021

Table of Contents
Independent Banker - July 2021 - Cover1
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Independent Banker - July 2021 - Table of Contents
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Independent Banker - July 2021 - Cover3
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https://www.nxtbook.com/mspc/independentbanker/april2018
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https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
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https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
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https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
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