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. 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 and is a 2017 graduate of the Graduate School of Banking at the University of Wisconsin - Madison.