Banking Solutions

Timothy O. Cramer, Commercial Lender and Vice President, is a 40-year banking professional who has served the North and Central Florida markets since 1996. Prior to joining Cypress Bank & Trust, Timothy held commercial lending roles with Florida Business Bank, Bank of America, and Huntington Bank. He was also instrumental in expanding the SBA504 loan program throughout Florida from 2002 to 2019 with Florida Business Development Corporation, a Certified Development Company who administers the SBA504 Program. He began his career in 1981 with Citizens Bank in Manchester, New Hampshire. Cramer earned his B.S. in Accounting at Southern New Hampshire University and is also a graduate of Babson College Commercial School of Banking. He has been on various committees of the United Way and has assisted classes for the Dale Carnegie Institute.

Direct 321-306-4104

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Karen Guzzo, Senior Personal Banker, has held several positions throughout her banking career including Operations Manager, Customer Service Representative, and as a Personal Banker. Karen’s prior experience and background were served at Savings of America acquired by Wells Fargo, United Bank, and Valley Bank.

Direct 561-820-2934

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Mercedes Figueroa McCall, Relationship Manager and Senior Vice President, works to develop new client relationships and serves as a community ambassador for Cypress Bank & Trust. Early in her career, Mercedes built a name for herself as the first Hispanic female banking executive in Central Florida and is well-known for her many contributions to the community. She has served in various nonprofit Board of Directors roles, including the first female President of the Hispanic Chamber of Commerce, Chair of Orange County Housing Finance Authority, Board member of Jobs Partnership, and founding member and Past Chair of HBIF, now Prospera.

Direct 407-961-6054

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Ryan Johns, Senior Personal Banker and Assistant Vice President, began his banking career in 2011 with a national bank. He soon ventured out of corporate banking and into community banking as an Assistant Branch Manager. Ryan is a graduate of the University of Central Florida with a Bachelor’s degree in Business Commerce and a minor in Public Relations and Psychology.

Direct 321-306-4113

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Kym Marks, Relationship Manager and Vice President, has 35 years of experience and professional knowledge building relationships in the banking industry and uses her positive attitude to encourage others to work hard and succeed. Kym began her banking career in 1987 with Sun Bank of the Treasure Coast, and later continued with United Bank as a Branch Regional Operations Manager.

Direct 561-296-6296

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Chris Myers, Senior Relationship Manager and Senior Vice President, has over 30 years of experience building relationships with clients in the banking industry. Chris relocated to Brevard County, FL in 2013 and began working as branch manager for Florida Bank of Commerce. She later joined Cypress Bank & Trust in May 2021. Her prior career pursuits include working for Holy Trinity Catholic Church in Weston, MO, as Director of Religious Education and Confirmation Formation. Chris serves on several community Boards including Habitat for Humanity of Brevard County, Children’s Home Society of Florida – Space Coast Regional Advisory Board, Bridges BTC, Rotary Club of Suntree, and Hey, Blue Advisory Council.

Direct 321-306-4107

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Reema Hannoudi comes to Cypress with a solid background as a personal banker, bringing a wealth of knowledge and experience to her role.

Having worked extensively with both small business trust accounts and personal accounts, Reema has gained invaluable insights into the intricate world of finance. Her professional journey has equipped her with the skills and insights needed to navigate the complexities of our industry.

Beyond her professional background, Reema is a dedicated and enthusiastic individual with a true passion for fitness and wellness. Her commitment to personal fitness mirrors her approach to her work – unwavering and diligent. Notably, Reema is also an avid animal lover, and her small Shih Tzu dog, Finn, holds a special place in her heart.

Direct 904-301-2222

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Brittany Turner is a Commercial Banker in Jacksonville with a remarkable seventeen-year career in banking across New York and Florida, Brittany brings a wealth of experience and expertise to the team.

Brittany offers clients a steady stream of knowledge to help them reach their financial peak. Her background in commercial banking and consulting in the North Florida Region aligns perfectly with our mission at Cypress Bank & Trust.

Brittany is a proud mother to her seven-year-old son, Leo. She also enjoys gardening, paddleboarding on Florida Springs with her family, practicing yoga, and soaking up the sun beachside.

Direct 347-276-2155

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Marie Cevallos is an accomplished professional with over 22 years of experience in the mortgage and financial services industry, currently serving as a Personal Banker. Marie excels in maximizing customer service opportunities, consistently exceeding performance goals, and thriving in fast-paced environments. Her strong organizational skills and attention to detail are complemented by her bilingual proficiency in English and Spanish.

Marie’s extensive industry experience, coupled with her dedication to excellence, positions her as a valuable asset as a Personal Banker. Her commitment to exceeding client and partner expectations sets her apart as a professional who consistently delivers exceptional results.

Direct 321-306-4113

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.

Owen Straub is a finance enthusiast with a track record of serving both consumer and commercial clients. Starting his career in the corporate banking sector in the Midwest, he initially gained valuable experience as a personal banker. Seeking new horizons, Owen embarked on a journey to sunny Florida, where he proudly joined the committed team at Cypress Bank & Trust. With a passion for assisting clients in realizing their financial aspirations, he is dedicated to contributing to the flourishing financial landscape in the Sunshine State.

Direct 321-306-4115

Do not include your account number, password, credit card information, Social Security number, or PIN when you contact us through email.