Click to Read Bio

Lorain Cooper

Chief Risk Officer

Since 2005

(513) 677-3100 x104

Florida State College
and Thomas More
College Graduate

Read Bio
(513) 677-3100 x104
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. 

Drew O'Connor

Vice President

Since 2009

(513) 677-3100 x110

Attended Temple Baptist
College

Nick Hargett

Assistant Vice President / Paralegal

Since 2011

(513) 677-3100 x123

Northern Kentucky
University and Beckfield
College Graduate

Jennifer Barnhart

Assistant Vice President / Paralegal

Since 2017

(513) 677-3100 x 141

Beckfield College Graduate


Jeremy Bragg, MS Finance

Assistant Vice President

Since 2016

(513) 677-3100 x 113

Thomas More College and The University of Cincinnati Graduate

Heather Neyman

Risk Analyst

Since 2017

(513) 677-3100 x 145

Eastern Michigan University Graduate