Tony Girard Vice President, Lending 952-885-9426 tony.girard@ubb.com Tony Girard is a Vice President of Lending. He received a Bachelor of Arts degree in Economics from St. John's University and a Master of Business Administration from the University of St. Thomas. He joined UBB in 2006. Tony has extensive experience with various types of commercial lending, including bank stock loans and over line participations. With a well-rounded credit background, community banking has been a focus throughout his entire career. In addition to his educational achievements, Tony has also completed a substantial amount of coursework with the Risk Management Association.