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Executive Team

  • Andrew S. Love
    Secretary and Director 

    Andrew S. LoveMr. Love is Chairman, Co-CEO and a principal owner of Love Savings Holding Company. He is also Secretary and Director of Heartland Bank, Chairman of the Bank's Finance-ALCO Committee and serves as a Director of Love Funding. Mr. Love has over 40 years experience in real estate and finance and was a partner at the law firm of Bryan, Cave, McPheeters and McRoberts. He has served as an active board member for many charitable organizations, including St. Louis Symphony Society, St. Louis Country Day School, St. Louis Repertory Theatre, Missouri Chapter of the Nature Conservancy, Center for Plant Conservation and Webster University.

    Mr. Love received a Bachelor of Laws degree from Harvard Law School.

  • Laurence A. Schiffer

    Chairman and Director 

    Laurence A. SchifferMr. Schiffer is Co-CEO and a principal owner of Love Savings Holding Company. He is also Chairman and Director of Heartland Bank, Chairman of Love Funding, and Chairman and CEO of Allegro Senior Living, a joint venture development company with Almanac Realty, formerly The Rothschild Group, an international investment firm. Over the past three decades Mr. Schiffer has actively directed the development, ownership, acquisition, and management of commercial real estate properties including institutional quality office, hotel, retail, industrial, apartment, and senior housing properties for both the company's own account and for its affiliates and domestic and foreign partners.

    Mr. Schiffer received a Bachelor of Science degree from Washington University.

  • David P. Minton

    President and Chief Executive Officer 


    David MintonMr. Minton has over 25 years of experience in the banking and real estate industries. During his tenure with Heartland Bank, he has played a key role in doubling the Bank's assets from $500 million to approximately $1 billion. Prior to Heartland Bank, he served as Senior Vice President of Love Savings Holding Company. In this capacity, he was responsible for venture capital/merchant banking activity for both Love Savings and Heartland Bank. His experience also includes Vice President of Finance and Development at Paragon Group, a national real estate development investment company. He also was Senior Vice President and General Manager of Duke Realty Investments, St. Louis office.

    Mr. Minton received a Bachelor of Arts degree from DePauw University and an MBA in Finance from Washington University.

  • Lisa G. Frederick
    Executive Vice President, Chief Operating Officer 


    Lisa G. FrederickMs. Frederick has over 30 experience in banking. At Heartland Bank she directs Marketing, Operations, Human Resources and Corporate Services. Prior to Heartland Bank, she served as Senior Vice President at Pioneer Bank & Trust and Jefferson Heritage Bank, Vice President at Magna Bank and Assistant Vice President at Landmark Bank.

    Ms. Frederick attended University of Missouri, St. Louis.


  • E. Tracy Beckette
    Executive Vice President, Chief Credit Officer 


    E. Tracy BecketteMr. Beckette has over 38 years of banking experience. Prior to joining Heartland Bank, Mr. Beckette was with Bank of America for over 24 years, having served most recently as Sr. Vice President, Market Leader Decisioning, Centralized Credit Delivery. In addition to his banking experience, Mr. Beckette is a retired Brigadier General in the Missouri National Guard, having served more than 30 years.

    Mr. Beckette received his Bachelor of Science and MBA degrees from St. Louis University.

  • William I. Peters
    Executive Vice President, Chief Financial Officer 


    William I. Peters, Jr. Mr. Peters has over 35 years experience in banking and real estate, having served as Chief Financial Officer for Heartland Bank and Love Savings Holding company for the past 20 years. Prior to Heartland Bank, Mr. Peters served as Executive Vice President, Chief Financial Officer at American Savings Bank in Springfield, Illinois and Vice President, Finance at Champaign Loan and Building Association.

    Mr. Peters received his Bachelor of Science and Certified Public Accounting degrees from University of Illinois.


  • Jason A. Penfield
    Executive Vice President, Head of Commercial Lending 


    William I. Peters, Jr. Mr. Penfield has over 20 years of banking and real estate financing experience. He joined Heartland Bank in 2008 as Senior Vice President, Commercial Real Estate. Recently, he was promoted to Executive Vice President, Head of Commercial Lending, and is the newest member of Heartland's Executive Management Team. In addition to his extensive commercial lending experience, Mr. Penfield once served as a Multifamily Development Officer for the Wisconsin Housing and Economic Authority in Madison, Wisconsin, where he worked to redefine the lending practices of the state housing finance agency.

    Mr. Penfield is a 1992 graduate of the Real Estate School of the University of Wisconsin School of Business. 

  • Larry K. White
    President and Chief Executive Officer - Heartland Business Credit


    Larry K. WhiteThe charter member of Heartland Business Credit, Mr. White has over 20 years experience in the leasing industry. Prior to starting Heartland in 1999, he was the President and Chief Executive Officer of Granite Financial, and Chief Operating Officer of Rockford Industries. Prior to Rockford Industries, he held increasingly senior positions with Master Lease/Tokai Financial Services, completing his tenure there as Director of Operations.

    Mr. White received his Bachelor and Masters degrees in Political Science from UCLA University.

  • Mark Dellonte
    President and Chief Executive Officer - Love Funding


    Mark DellonteWith more than 20 years of experience in commercial real estate underwriting and management, Mr. Dellonte leads Love Funding's national operations, including 14 offices across the country. He directly oversees the origination of loans, marketing, business development, funding source relationships and staffing to implement the company's ongoing commitment to production and servicing growth. Prior to his current position, he served as Senior Vice President and Managing Director of Agency Lending and Chief Underwriter.

    Prior to Love Funding, Mr. Dellonte worked for a national government contracting firm, overseeing several of the firm's largest contracts with HUD. He also worked for the Resolution Trust Corporation (RTC) and the Federal Savings and Loan Insurance Corporation (FSLIC).

    Mr. Dellonte holds a Bachelor of Science in finance from the American University in Washington, D.C.



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