
CHIEF CREDIT OFFICER
Toby Cecil
Vista Bank’s Chief Credit Officer, Toby Cecil first joined the Bank in 2009 where his primary focus was growing the Lubbock market. Since then, his focus has shifted to managing our loan portfolio enterprise wide.
Having built a diverse loan portfolio with short-term maturities, Toby has helped create an innately conservative credit culture, with a demonstrated history of maintaining resilient asset quality through multiple economic downturns.