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Guardian Bank Officers


Email Parrish Clark

A. Parrish Clark, Jr.

Chief Executive Officer - Commercial Lending

Parrish Clark is a Valdosta native who earned a B.A. in History from Furman University, an M.B.A. from Valdosta State University, and is a graduate of The Graduate School of Banking at LSU. He began his banking career with Guardian Bank in 1997 as a management trainee and now serves as Chief Executive Officer. Clark's career has been heavily focused on commercial lending, but he has also served in various positions associated with compliance, information security, bankk secrecy, and marketing. He is actively involved with the Georgia Bankers Association, where he currently serves as President of Leadership GBA. Clark also serves on the Board of Trustees for Valdosta State University Foundation, Inc. and Georgia United Methodist Foundation, Inc.


Email Ray Chitty

R. Ray Chitty

President - Commercial Lending

Ray Chitty is a Valdosta native and a graduate of Valdosta High School, Valdosta State University, Georgia Banking School at the University of Georgia, and The Graduate School of Banking at LSU. He began his banking career in 1973 at First National Bank in Valdosta and has been in Valdosta banking since. Chitty has a stellar reputation in commercial lending, an area that occupies much of his focus today. His distinguished career has seen him serve in senior executive positions including President at other financial institutions. Chitty remains active in the community by currently serving on the Salvation Army Board of Directors and the VSU Athletic Board of Directors. He is also very active in the Georgia Bankers Association.


Email Pam Horton

Pam P. Horton

Senior Vice President, Chief Financial Officer, Chief Operating Officer

A Valdosta native, Lowndes County High School graduate, and a graduate of The Graduate School of Banking at LSU, Pam Horton began her banking career at First National Bank in Valdosta in 1975. She worked with the bank and its successor First Union until joining Guardian Bank in advance of its 1997 opening. She is the bank's Senior Vice President and serves as the Chief Financial Officer and Chief Operating Officer. During her 40-year career, Mrs. Horton has worked in nearly every area of banking, and she brings that expertise with her daily. She is a member of Redland Baptist Church and her community involvement has included the United Way and the American Heart Association.


Email Olivia Walker

Olivia Walker

Vice President - Consumer & Commercial Lender

A native of Alabama, Olivia graduated from Cherokee County High School, attended Gadsden State University, and is a graduate of Georgia Banking School at UGA. In 1976 Olivia began her banking career in Alabama and in 1980 relocated to Valdosta where she worked with First National Bank and in 1996 joined First State Bank and Trust Company where she served as a Commercial Lender and Real Estate Manager. Throughout her 39 year banking career, Olivia has worked in numerous areas of banking. Olivia joined Guardian Bank in 2009 and serves as Vice President, Commercial and Consumer Lending. She is a member of Covenant Baptist Church where she serves as a Sunday School teacher in the children’s department.  Her community involvement includes serving on the finance committee for the Valdosta Baptist Association, board member of the local Greater Valdosta United Way, and currently serves as the District Finance Chair for the South Georgia Council of Boy Scouts of America.  


Email Will Moore

Will Moore

Vice President - Commercial Lending 

Will Moore is a Valdosta native who graduated from Lowndes County High School, earned a B.B.A. in Economics from Valdosta State University, and will be a graduate of The Graduate School of Banking at LSU this spring. He began his banking career with Farmers and Merchants Bank in 2009, where he served as a commercial lender and as Vice President. He is active in the Valdosta Rotary Club and South Georgia Down Syndrome Association. 


Email Shirin Eutzler

Shirin Eutzler

Assistant Vice President - Loan Operations 

A Valdosta native and alumnus of Lowndes High School, Shirin Eutzler received her Bachelor of Business Administration in Finance from Valdosta State University in 2003 and began her banking career with Guardian Bank in 2004.  Subsequently, she completed Consumer Lending School through Community Bankers Association of Georgia in 2008 and has most recently graduated from the Georgia Banking School at the University of Georgia in Athens in 2012.  Mrs. Eutzler is a member of First Christian Church.


Email Courtney Nelligan

Courtney Nelligan

Personal Banking Officer, Security Officer

Courtnery Nelligan, a Valdosta native and alumnus of Valdosta High School, began her banking career with Guardian Bank in 2001. Throughout her career, she has held numerous positions at Guardian Bank, leading to her current roles as Personal Banking Officer and Security Officer. Although she contributes a lot of her time to Guardian Bank, Ms. Nelligan is very active in her community. She currently serves as a board member for The Haven and The Homebuilders Association of South Georgia. Ms. Nelligan is also an active participant of the Valdosta Junior Service League. 

Email Jason Moore

Jason Moore

Credit Officer

Jason Moore is a Lowndes County native who graduated from Lowndes County High School and earned a B.B.A. in Accounting from Valdosta State University. In 2004, he was hired by The Park Avenue Bank as a Management Trainee and was relocated to the Athens, Georgia branch where he served as a commercial lender, bank officer, Branch Manager, Security Officer, and worked in the Special Assets division. He joined the Guardian Bank team in 2012. Moore enjoys playing golf, fishing, and watching The University of Georgia Dawgs play football.

  Email Jennifer Norris

Jennifer Norris

Banking Officer - Consumer Lending 

Jennifer Norris was raised in Cordele, Georgia and is a 1997 graduate of Crisp County High School. She continued her education at the Consumer Lending School in Atlanta where she graduated in 2006 and will begin Georgia Banking School in May 2015. She began her banking career with Commercial Banking Company and joined the Guardian Bank team in August 2000. Norris enjoys watching sports, especially anything her boys play and anything supporting The University of Georgia, and riding ATVs with family and friends.

Email Joey Stith

Joey Stith

Banking Officer - Consumer Lending 

Joey Stith is a Valdosta native who earned a B.S. in Political Science from Valdosta State University after graduating from Lowndes County High School. He continued his education and graduated from the Consumer Lending School hosted by the Community Bankers Association. Stith began his banking career in 2010 with Guardian Bank, and has held a variety of roles since joining the team.  He is an active member of the Azalea City Kiwanis Club and attends Hahira United Methodist Church.


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