Government Guaranteed Lending Team


Pete O’Hern
SVP, National Sales Manager 
Office: (817929-9211
Pete serves as National Sales Manager for the Government Guaranteed Lending Team at Coastal States Bank.  With over 25 years’ experience in SBA Lending, and prior to joining the bank in 2017, he held sales management roles at CIT, Square 1 Bank and a few others.  Prior to sales management, Pete was a Business Development Officer with CIT, Amresco and Heller Financial.  Pete holds a bachelor’s degree in business administration/finance from St. Bonaventure University.
Jeff Hickman
Business Development Officer
Traverse City, Michigan
Office: (231) 633-7578
Jeff brings 30 years of industry experience to his position as Business Development Officer at CSB. Jeff specializes in 7A & USDA Lending.  Jeff is a long-standing member of the Rotary Club of Traverse City, Michigan, and currently serves as vice chair on the board of Rotary Charities, a foundation established by the local Rotary Club when oil was discovered on Rotary owned land. He is married with 3 adult children. 

Elizabeth S. Pulido, CCIM
Business Development Officer
El Paso, Texas 
Office: (915) 588-1400
Elizabeth brings 27 years of industry experience to her position as Business Development Officer at CSB.  Elizabeth S. Pulido specializes in 7A / 504 / USDA Lending for our Southwest Region in El Paso, TX.  Elizabeth has earned the CCIM Designation and serves on the Greater El Paso CCIM Chapters’ Board of Directors.  Elizabeth enjoys attending church, cooking, and spending time with her husband, three sons and their 4 dogs.

Gwen Schaeffer 
Business Development Officer
Seattle, Washington
Office: (206) 898-9156
Gwen brings 30 years of industry experience to her position as Business Development Officer at CSB.  Gwen specializes in 7A / 504 / USDA Lending for the West Coast.  She is actively involved in the business financial and real estate services community having obtained Series 7, 66, insurance licenses; a real estate license as well as Chartered Retirement Counseling certification.  She provides her clients a holistic approach to finding financing solutions that match their business and personal financial goals and objectives.  She resides in Seattle and Westport, Washington where she loves to enjoy the beach with her family of 3 and her dog while they watch surfers ride the big waves of the Pacific Ocean.  

Brett Smiley
Business Development Officer
Salt Lake City, UT
Office: (801) 918-6925
Brett has extensive experience and production in Government Guaranteed Lending with some of the top lenders in the Intermountain West region.  In addition to his lending experience, Brett has previously owned his own small business, adding a unique perspective when discussing the client’s business operations and offering financing solutions to their borrowing needs.  When not assisting his clients, Brett enjoys spending time with his six grown children and finding time for camping, fishing, backpacking, dirt bike riding and spending time at any beach. 
Ray Wall
Business Development Officer
Durham, North Carolina
Office: (919) 817-2053
Ray brings 34 years of industry experience to his position as Business Development Officer at CSB.  Ray specializes in 7(a), 504 and USDA lending for the Southeastern Region of the country but can provide service anywhere in the US.  Ray has been a Rotarian for 32 years working on international projects to provide clean water to communities in South America and Africa, and to eradicate polio in third world countries.  He delivers Meals on Wheels in Raleigh, NC and received the 2018 MacLura award from the City of Raleigh for outstanding volunteer work.  Ray’s wife, Velda has endured him for 43 years.  They have two grown daughters, three grandchildren and two grand dogs.