Executive Team

• Andrew S. Love
  Principal - Love Savings Holding Company
  

  Mr. Love is Chairman, Co-CEO and a principal owner of Love Savings Holding Company. He is also 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
  Principal - Love Savings Holding Company
  

  Mr. Schiffer is Co-CEO and a principal owner of Love Savings Holding Company. He is also Chairman of Heartland Bank, past Chairman of Love Funding, and Chairman and CEO of Hallmark Holdings - a joint venture development company with 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 - Heartland Bank
  

  Mr. Minton has over twenty-five 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 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 - Heartland Bank
  

  Ms. Frederick has over thirty years 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 - Heartland Bank
  

  Mr. 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 a Bachelor of Science and MBA from St. Louis University.

   

• William I. Peters
  Executive Vice President, Chief Financial Officer - Love Savings Holding Company
  

  Mr. Peters has over thirty-five 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.

• Mark A. Sandau
  President - Heartland Bank Mortgage
  

  Mr. Sandau has over thirty years experience in the financial and real estate industries. He joined Heartland Bank in 1996 as Vice President and became President of Heartland Bank Mortgage in 2000. Prior to Heartland Bank, Mr. Sandau served as President of Magnum Mortgage Company and Assistant Vice President of Town and Country Mortgage. Mr. Sandau was also a pre-licensed real estate school instructor at the Missouri Real Estate School for more than 9 years.

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

  The 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 Bachelors and Masters degrees in Political Science from UCLA University.