Executive Officers

Jack C. Zoeller, Chairman of the Board of Bank of Virginia, President and CEO of Cordia Bancorp Inc. (BVA), and Founder & CEO of CordiaGrad

Jack is Chairman of the Board of Bank of Virginia, President and CEO of Cordia Bancorp Inc. (BVA), and Founder & CEO of CordiaGrad. He has 30 years experience in the start-up and turn-around of companies in the banking, financial services and risk management industries. During the last major banking crisis in the U.S., he served as turn-around CEO of ComFed Bancorp, a troubled $1.8 billion asset-size bank holding company in Massachusetts. Early in his career he managed initial public stock offerings and provided financial and merger advice to community banks. From 2006 to 2009 he served on the board and executive committee of a Virginia bank holding company that merged with a healthy community bank and acquired two failed banks from the FDIC.

Mr. Zoeller began his career in corporate finance at E.F. Hutton in New York, after serving as a Ranger and infantry company commander in the 82d Airborne Division. At Hutton he pioneered the development of credit and interest rate risk strategies and built the first financial guarantee insurance subsidiary on Wall Street. He founded and served as CEO of Hutton Risk Management, Capital Risk Management and AtlantiCare Risk Management, and also served three years as CEO of New England’s largest volume mortgage lender. Mr. Zoeller is believed to have been the first bank president asked by the RTC to remain in place during his bank’s conservatorship. Commencing in 1995, he served as founder and CEO of AtlantiCare Inc. and North American Health & Life Insurance Co. Ltd. He has served on 22 corporate and nonprofit boards of directors. In 2010 he was appointed to the Defense Business Board at the Pentagon.

Mr. Zoeller is a graduate of the U.S. Military Academy at West Point, holds a M.P.P. from the Harvard Kennedy School and an M.Litt. from Oxford University, where he studied as a Rhodes Scholar

O.R. (Ed) Barham, Jr. President and Chief Executive Officer

Ed is President & CEO of Bank of Virginia. He has 35 years of extensive leadership experience in the banking industry. Most recently, Ed served as CEO of StellarOne, a $3.1 billion community bank, from 2008 until 2013. Prior to StellarOne, Ed held successive CEO roles including CEO of Virginia Financial Group from 2002 to 2008, CEO of Virginia Commonwealth Financial Corporation from 1998 to 2002, and CEO of Second Bank & Trust from 1996 to 1998. He began his career at Bank of America where he held credit and lending positions in Asheville, Raleigh, and Charlotte, North Carolina.

Beyond Ed’s banking leadership roles, he has served as a leader in the industry and community. This includes the Virginia Banker’s Association where he held numerous committee seats over 20 years and was scheduled as the in-coming Chairman in June 2013. Other board and leadership positions include Bankers’ Insurance, Virginia Title Agency, Culpeper Regional Hospital (past Chair of Finance Committee and Treasurer), Culpeper Chamber of Commerce (past member and President), and Culpeper Presbyterian Church (member, past session member and member of the Building Fund Committee).

Ed has been married to Susan Stilwell Barham for 33 years. They have two daughters: Caroline and Lily.

Roy I. Barzel, Executive Vice President, Chief Credit Officer

Roy has been in the banking industry for 29 years. Most of these years were spent with SunTrust and its predecessors, Crestar Bank and United Virginia Bank.

Roy began his career as a credit analyst and held a number of positions over the years, including as a credit trainer, commercial lender, senior loan review specialist, special assets officer and, for the 14 years prior to his retirement from SunTrust in 2011, as a senior regional credit officer/SVP in the Commercial Real Estate division covering a portfolio of approximately $700 million in loan balances. He was also part of a team that conducted due diligence on the loan portfolios of almost 2 dozen financial institutions acquired by Crestar Bank in the early to late 1990s. Roy is a graduate of the University in Florida, where he earned a Bachelor of Science in Zoology and a Masters in Business Administration.

Don H. Andree, Executive Vice President, Chief Lending Officer

Don is Executive Vice President and Chief Lending Officer. He has over 35 years of commercial banking experience with PNC Financial, Wachovia and SunTrust Bank. The majority of his career has been focused on commercial real estate finance and he has held managerial positions in loan production, credit policy management and special assets.

Prior to joining Bank of Virginia, Don managed SunTrust Bank’s MidAtlantic Region’s Commercial Real Estate Special Asset and Residential Builder Group. He holds a BA in Economics from Westminster College, attended Temple University’s graduate school and is the proud father of three children.

Robert M. Sims, Senior Vice President, Retail Banking

Robert Sims is Senior Vice President of Retail Banking. He brings 25 years of banking experience and is responsible for Bank of Virginia’s retail branch system, client service excellence and introduction of new products and technologies.

Robert began his career at First Tennessee and has held leadership positions in Retail Banking, Marketing, Product Management, Treasury Management, Finance and Consulting. He has helped banks ranging in size from $5 billion to $25 billion improve their branch performance, expand in-state and across state lines. Robert and his wife Margie live in Moseley, Virginia and have ten children.

Mark A. Severson, CPA, Executive Vice President, Chief Financial Officer

Mark Severson’s banking career extends over 37 years, including positions with KPMG focusing on financial institution clients, investment banking managing M&A services and consulting with banks and thrifts across the country in the bank strategies division.

Mark was Chief Financial Officer of six financial institutions, three being in excess of $1 billion in size, one of which was in excess of $2 billion.  As the Chief Financial Officer, Mark was intricately involved in significant merger and acquisition activity covering 19 branch acquisitions, six whole bank acquisitions and one large insurance agency.

Mark is a Certified Public Accountant and a 2007 graduate of the ABA Stonier National Graduate School of Banking.

Mark G. Spencer, Senior Vice President, Residential Lending

Mark brings over thirty-five years mortgage finance experience to the management team at the Bank of Virginia and is responsible for directing and managing the Residential Mortgage Lending department.

He focused a majority of his career on residential lending, holding various loan production and operations management positions. Prior to joining the Bank of Virginia, Mark worked for the Federal National Mortgage Association in both Sales and Product Development, Drexel Burnham Lambert, Inc. as Vice President of Institutional Sales and for ComFed Savings where he worked in the secondary market department hedging interest rate risk for the bank.

Mark is a graduate from Eastern Michigan University, Ypsilanti, Michigan where he received a degree in Management. His personal interests include public education and youth soccer.