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Angela R. Kelley, CPA, CGMA

Chief Financial Officer

Since 2003

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Ball State
University Graduate

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Since 2003

Angela R. Kelley, CPA, CGMA

Chief Financial Officer

Angela R. Kelley currently serves as Executive Vice President and Chief Financial Officer for Cooperative Business Services LLC. Angela has over 25 years of accounting experience with public accounting firms, large corporations, and the CUSO. Angela has worked for CBS since the company began in 2003.

As Executive Vice President and Chief Financial Officer, Angela is responsible for the financial reporting and human resource functions of Cooperative Business Services LLC. In addition, Angela leads and manages many special projects as it relates to the growth and continued development of the company. Angela was a finalist for the Chief Financial Officer of the Year in the small private companies category for 2013 and 2014.

Angela is a licensed Certified Public Accountant, a member of the American Institute of Certified Public Accountants, the Ohio Society of Certified Public Accountants, and a Certified Global Management Accountant. Angela has a Bachelor’s of Science degree in Accounting from Ball State University.

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Lorain Cooper

Chief Risk Officer

Since 2005

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Florida State College
and Thomas More
College Graduate

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Since 2005

Lorain Cooper

Chief Risk Officer

Lorain Cooper currently serves as Executive Vice President of Risk Management at Cooperative Business Services, LLC. Lorain has over 25 years of banking experience, including closing over $85 million in CRE, SBA, and USDA loans and the Special Assets Division. As the Executive Vice President of Risk Management, Lorain manages the Legal, Closing, Loss Mitigation and Risk Analytics Departments. During her tenure, she has successfully managed delinquency below 1.00%, revamped the closing and audit functions and started the Special Assets/Loss Mitigation and Risk Analytics departments. Under her management, the Loss Mitigation team handles collections, workout and loan restructuring, foreclosure and OREO disposition. In 2014, Lorain started the implementation of analytics, including building models for probability of default, loss given default, expected loss models and preparing for the transition from ALLL to CECL. Lorain and her team have built a premium risk analytics program providing guidance, oversight and management of their commercial loan portfolio as well as dashboards and metrics for benchmark comparisons.  

Lorain is a graduate of Florida State College and a graduate of Thomas More College with a Bachelor of Business Administration. Lorain has several certifications from the National Association of Government Guaranteed Lenders (NAGGL), Risk Management Association (RMA) and the American Bankers Association (ABA). Lorain serves on two boards in Northern Kentucky and is active in her community. 

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Andy Weingartner

Chief Credit Officer

Since 2005

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Xavier
University Graduate

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Since 2005

Andy Weingartner

Chief Credit Officer

Andy Weingartner currently serves as Executive Vice President of Business Lending for Cooperative Business Services (CBS).  Prior to joining CBS, Andy successfully completed a Management Training Program at a large regional bank and has continued his education via in-depth business lending coursework offered through NAGGL (National Association of Government Guaranteed Lenders) and RMA (Risk Management Association). In 2006, Andy completed both sections of the RMA Lending Academy. Andy’s experience also includes positions as a bank Portfolio Manager and as a Collateral Analyst for a large regional energy provider. 

In his role as Executive Vice President of Business Lending at CBS, Andy utilizes his background and experience to manage and oversee the credit and portfolio management departments. Andy reviews commercial credit requests, manages credit portfolio risk and concentrations and assist in business development and training initiatives.  Since joining CBS, Andy has overseen the growth of a commercial portfolio that includes over 900 credits and over $500 million dollars in serviced loans.

Andy is a 2002 graduate of Xavier University (Cincinnati, OH) with a B.S. degree in Finance.  Andy has worked for CBS since October 2005.

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Daisy K. Shafer

Chief Operations Officer

Since 2006

(513) 677-3100 x106

Wright State
University Graduate

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Since 2006

Daisy K. Shafer

Chief Operations Officer

Daisy K. Shafer serves as Executive Vice President of Finance and Audit for Cooperative Business Services (CBS). Daisy has worked in the financial services industry since graduating in June 2003 from Wright State University with a B.S. in International Business. Daisy's background includes over 2 successful years of service in consumer lending for MidUSA Credit Union and over 9 years of commercial lending experience with CBS.

As Executive Vice President of Finance and Audit at CBS, Daisy is responsible for managing the Finance and Audit departments, reconciling accounts, assisting with all CBS audits, and preparing 1098/1099 tax forms. Under her direction, the Finance team handles accounts payable, accounts receivable, good faith monitoring, loan maintenance, loan servicing, participation agreements, 3rd party work orders and reporting. The Audit team handles pre and post-closing file audits, mortgage releases, UCC monitoring, vendor due diligence and confirmations.


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Keith D. Reed

President / CEO

Since 2003

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Miami University Graduate

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Since 2003

Keith D. Reed

President / CEO

Keith Reed has served as the company's top executive since its inception in August 2003. He has over 25 years of commercial experience with regional banks, national lenders, and most recently with credit unions.  Keith has worked in all facets of business lending, with an emphasis in business loan origination, underwriting, closing, and management. Since 2003, Keith has grown Cooperative Business Services (CBS) from an initial group of 7 credit unions in three cities to over 91 credit unions in 11 states with a portfolio comprised of nearly 870 active credits and $503 million in loan dollars being serviced. During Keith's 12 years of leadership, CBS has been twice nominated as one of Cincinnati's Best Small Businesses To Work For and also received Top Lender Status with area SBA offices as it relates to the production of SBA 504 and 7(a) business loans.

Keith is a 1988 graduate of Miami University (Oxford, Ohio) with a degree in Finance.