Relationship Managers

The Enterprise Bank Relationship Managers are among the most dedicated and knowledgeable in the business. The infrastructure of Enterprise Bank was designed so each Relationship Manager and their staff function as their own small business within the overall structure of a business focused community bank. For our customers, this means a number of important things:

Because they are your single point of contact at the Bank, the rapport built with your Relationship Manager will continually grow and strengthen from your first meeting, through the loan underwriting and closing process and throughout the life of your business.
Our Relationship Managers have a personal financial stake and liability in the loans that they make, allowing them greater flexibility in decision making and in responding to your needs quickly and conveniently.
Your Relationship Manager is an empathetic partner who will help to navigate your business growth and any problems that you may face along the way. Like you, they are small business owners and entrepreneurs themselves with similar challenges and rewards.
Our competitors do not have the same long term customer service and credit quality oriented compensation models for their lending staffs to aid in your business growth as do the Relationship Managers at Enterprise Bank. Our Relationship Managers compensation, with regard to a particular customer, lasts only to the extent that the relationship with that customer is adequately maintained and nurtured. If our Relationship Managers lose a relationship to a competing bank or because of a lack of service to the client, their income stream ceases with regard to that client. We don’t just talk customer service, we live it or we pay the price.
Because Enterprise Bank is one of the few financial institutions that caters exclusively to the small business owner and is very flat from an organizational perspective with the Relationship Managers directly involved in the structuring and underwriting of the loans in their portfolio, they understand the customer’s unique financial needs and customize our financing and banking solutions to each specific business customer and situation.

Email: dmiller@enterprisebankpgh.com	David D. Miller - Senior Vice President & Development Officer Dave started his career with the Small Business Administration after graduating from Penn State University with a degree in Management & Organization. He brought over a decade of SBA lending experience when he joined Enterprise Bank in the early 2000’s as a Relationship Manager. Now Dave oversees the Bank’s business development efforts and provides commercial lending and banking services to clients, as he underwrites conventional, SBA & USDA guaranteed commercial loan transactions. He also manages the Bank’s team of Relationship Managers, while also assisting with the Bank’s marketing initiatives, and is the long-running host of the Bank’s “Inside the Vault” podcast series. Dave currently serves as a board and loan committee member of the Progress Fund and received the SBA’s award for Western Pennsylvania Financial Services Advocate of the Year in 2012. Personal Notes: Native of Leechburg, PA (Armstrong County). Presently resides in Lower Burrell, PA (Westmoreland County), with wife Tammi L. Miller, daughters Kylie, Haley, and son Cole. Member of Penn State Alumni Association, Risk Management Association Past Board Member & Chapter President, Founder of RMA Young Banker's Committee, Past Chair and current member of Region III NAGGL Liaison Committee, Past President of the Western Pennsylvania Association of SBA Guaranteed Lenders, Board & Loan Review Committee Member of The Progress Fund and TPF Loan Corporation, and member of the Education Committee of the Pennsylvania Association of Community Bankers (PACB). In his free time, Dave is an avid fly fisherman and collector of classic cars.
Email: rford@enterprisebankpgh.com	Raymond R. Ford - Senior Vice President & Relationship Manager Raymond Ford has been with Enterprise Bank since its founding in 1998 and brings over 40 years of commercial lending experience to his role as Senior Vice President and Relationship Manager. Throughout his career, Ray has focused on helping small business owners secure the financing and guidance they need to grow. Since 2016, he has served as a member of the Bank’s Board of Directors and is an active member of the Bank’s Finance Committee, contributing his expertise to strategic decision-making. In addition, Ray has served on the board of the Regional Development Funding Corporation, including time as its Chairman. His long-standing commitment to the business community and depth of lending expertise make him a trusted advisor to clients across the region.
Email: jnovitski@enterprisebankpgh.com	Joseph P. Novitski, Jr. - Vice President & Relationship Manager Joe Novitski has been a key member of the Enterprise Bank team since 1998. A graduate of Indiana University of Pennsylvania with a Bachelor of Science degree in political science, Joe began his career as a branch manager for First National Finance Company, where he focused on loan growth and credit analysis. At Enterprise Bank, Joe has built long-lasting relationships by serving as a hands-on resource for his clients. He takes pride in providing straightforward guidance, helping business owners navigate financing needs, and supporting their long-term success. With decades of experience in commercial lending, Joe’s approach is rooted in reliability, accessibility, and a deep commitment to client service.
Email: rdavidson@enterprisebankpgh.com	Randy J. Davidson - Vice President & Relationship Manager Randy joined Enterprise Bank in 2009 and holds a bachelor’s degree in banking from Point Park College. He attended the commercial lending school at Bucknell University and earned a degree from the American Institute of Banking School. Randy has over 40 years of experience in the financial industry, with a focus on community banking and commercial lending. Randy is a Mars area native and has a strong sense of community. In the past he has served as Treasurer for the Board of Directors at the Pine Richland Youth Center and the Mars Baseball Association. Currently, Randy is the President of the Board of Mars Housing, a senior living center.
Email: jzelenske@enterprisebankpgh.com	Jodi Zelenske - Senior Vice President & Relationship Manager Jodi Zelenske has been part of Enterprise Bank since its inception in 1998 and is one of the organization’s longest-tenured Relationship Managers. She attended the University of Pittsburgh, where she double majored in Business and Communications, building the foundation for her relationship-focused approach to banking. With over 20 years of experience in the financial industry, Jodi continues to work closely with clients across a wide range of industries, offering guidance and personalized support. A dedicated Washington Township resident, she is passionate about serving her community and the businesses she partners with. Jodi is known for her client-first philosophy, often sharing, “Quality is our number one asset.”
Email: mlockard@enterprisebankpgh.com	Mason D. Lockard - Senior Vice President, COO, HR Administrator & Relationship Manager Mason joined Enterprise Bank as a Relationship Manager in 2017 and holds a Bachelor of Science in Business Administration & Finance from West Virginia University. In July 2024, he graduated from the Graduate School of Banking at the University of Colorado – Boulder. Mason has built his real-world lending expertise from the ground up and brings almost ten years of experience in the commercial lending industry. In October 2024, he was promoted to Senior Vice President and Chief Operating Officer, as well as HR Administrator of Enterprise Bank. In addition to his operational responsibilities, Mason continues to maintain and manage his commercial loan portfolio, supporting clients with a personalized and relationship-focused approach. Personal Notes: Mason is a native of Indiana, PA and presently resides in Valencia, PA with Wife, Kaitlyn, Son, Tyson, and Dog, Millie. In his free time, Mason enjoys working out, golfing, and snow skiing.
Email: tgonzalez@enterprisebankpgh.com	Travis Gonzalez - Vice President & Relationship Manager Travis graduated from The University of Pittsburgh with a bachelor’s degree in finance. Prior to joining Enterprise Bank in April 2018, he gained valuable industry experience working for the Federal Home Loan Bank of Pittsburgh, as well as the accounting firm KPMG. Currently, Travis serves on the board of the Pine Richland Youth Center and as a Loan Committee Member for the Regional Development Funding Corporation. When asked about his role at Enterprise Bank, Travis commented, “What I enjoy most about my role is it provides me with an opportunity to make meaningful contributions to my community and the local economy. It is my goal to create strong relationships with my clients and add value by understanding their unique needs, working with integrity, and focusing on delivering results.”
Email: jbittner@enterprisebankpgh.com	Jesse Bittner - Assistant Vice President & Relationship Manager Jesse Bittner began his career at Enterprise Bank in 2019 as an intern, gaining firsthand experience across multiple departments before graduating from Indiana University of Pennsylvania with a degree in accounting. After joining the Bank full-time in 2020, Jesse spent several years in the risk management department, where he developed strong underwriting skills and a deep understanding of sound lending practices. In early 2023, he was promoted to Assistant Vice President and Relationship Manager. Today, Jesse works closely with his clients to provide structured financial solutions and enjoys helping businesses strengthen their financial foundation as they pursue growth.
Email: mschmale@enterprisebankpgh.com	Matthew D. Schmale - Assistant Vice President & Relationship Manager Matthew is a recent transplant to Pittsburgh. Originally from Kansas he grew up working on his families farm. Matthew graduated from Kansas State University where he earned his bachelor's degree in Agricultural Business Management with a minor in Economics. He began his career in banking as a lender with a small bank catering largely to the farming community. After moving to Pittsburgh, he began his time at Enterprise as a commercial loan auditor before being promoted to Relationship Manager at the beginning of 2025. He has a passion for helping others and looks forward to using his position as a way to allow others to achieve their goals.
Email: dhughes@enterprisebankpgh.com	Dennis Hughes - Assistant Vice President & Relationship Manager Dennis Hughes joined Enterprise Bank with more than a decade of business banking experience in the Pittsburgh market. He holds a bachelor’s degree in Business Administration and Management from Duquesne University and an MBA from Point Park University. Before joining Enterprise Bank, Dennis worked with PNC Bank and First National Bank, developing a strong background in commercial lending and client service. Outside the office, he is actively involved in the community, serving as Treasurer for Pittsburgh Soccer in the Community and as a Board and Finance Committee member for Deer Creek Cemetery Association. Dennis is passionate about building meaningful relationships and supporting the long-term success of local businesses.