East Kemper Mortgage Division

srichey@warsawfederal.com

Sue Richey is the Chief Financial Officer, Information Security Officer and Compliance Officer at Warsaw Federal. In these roles, Sue manages the bank’s accounting and finance practices, coordinates compliance reviews, creates the organizational budget, prepares reports to the board of directors, manages third-party relationships, and oversees the information security program. Previously, she was Vice President, Controller at Guardian Savings Bank in Cincinnati and served on their IT Steering Committee. She was also a Staff Accountant at Gregory Poole Equipment Company and Nomacorc LLC, and Director of Operations for the American Kennel Club. While at AKC Sue was the project lead for both the transition from paper to electronic files and the creation of a real time website for clubs to entered data. Sue graduated magna cum laude from North Carolina Wesleyan College, earning bachelor’s degrees in business administration and accounting.

Phone: (513) 244-8511
Mobile:(859) 866-5273
vhernandez@warsawfederal.com

Victor Hernandez joined Warsaw Federal in 2021 as Vice President, Commercial Lending. In this role, he works with manufacturing, construction, real estate, retail and other commercial clients to help them strategically grow their businesses through lending and banking products and services. Victor has nearly 25 years of experience in the financial services industry, including a range of commercial and retail banking experience. Previously, he was Vice President, Regional Manager Greater Cincinnati for CFBank. Prior to that, he was a Business Banking Specialist at U.S. Bank. He studied organizational leadership at Northern Kentucky University. Victor was bestowed the honor of Kentucky Colonel in 2021 from the governor of Kentucky in recognition of his noteworthy accomplishments and outstanding service to the community. He is a board member for Women Helping Women and serves on the organization’s finance committee. He also serves on the finance committee for Redwood in Fort Mitchell, Kentucky, and serves on the marketing and membership committee for The Metropolitan Club in Covington.

NMLS# 143617

Phone: Phone: (513) 244-8513
Fax: (513) 510-5317
tdkist@warsawfederal.com

Todd Kist is Vice President, Lending at Warsaw Federal. He joined the bank in 2016 and has more than 20 years of experience in residential lending. Previously, he was the Head of Consumer Lending for Heritage Bank; VP, Operations for Citizen Home Loans of America; and, a Mortgage Loan Originator for Union Home Mortgage Corp. He received a Bachelor of Business Administration degree from the University of Cincinnati with concentrations in marketing and real estate. In the community, he serves as the treasurer for Loveland Youth Softball and has been involved in various youth sports organizations as a board member and coach.

NMLS# 1914876

Phone: Phone: (513) 244-8529
Mobile: (937) 478-9010
Fax: (513) 510-5371
tmchugh@warsawfederal.com

Tom McHugh joined Warsaw Federal as a Mortgage Loan Originator in 2019. Tom prides himself on being able to help make what can be a complicated process easier by guiding his customers through the mortgage journey. He also works to educate borrowers on the variety of programs Warsaw Federal offers to help them choose the right solution for their needs. He specializes in multiple types of loans, including conventional, first-time homebuyers, VA, FHA and USDA. He is a member of the Cincinnati Area Board of Realtors. Tom received a Bachelor of Business Administration in finance and marketing from the University of Cincinnati. He is a Lean Six Sigma Black Belt.

NMLS# 1857124

Phone: Phone: (513) 244-8524
Mobile: (513) 678-9202
Fax: (513) 510-5371
nschwegman@warsawfederal.com

Nick Schwegman joined Warsaw Federal as a Mortgage Loan Originator in 2019. Nick enjoys helping his customers get into their dream home as easily and comfortably as possible. He also enjoys helping customers who want to refinance their current mortgage so they can save money or take money from their equity to consolidate debts or pay for home improvements. He specializes in a variety of types of loans, including conventional, first-time homebuyers, VA, FHA and USDA. Nick has received the loan officer of the month in volume award multiple times. Previously, he was a Sales Representative for Stagnaro Distributing in Erlanger, Kentucky. He received a bachelor’s degree from Indiana University.