Bio

Andrew“Andy” Lock has over 30+ years’ experience working with and providing financing to a diverse set of industries and businesses as an executive in the commercial banking industry, consultant, and board member. Mr. Lock is the former Chief Risk Officer of Towne Bank, a $11 Billion multistate publicly traded banking company. In that capacity he was a member of executive management with direct oversight of the enterpriserisk management, internal audit, credit review, model risk management, mortgagequality review, appraisal management and vendor risk management programs, among others. Prior to joining Towne Andy was the Chief Risk Officer, Chief Credit Officer, and executive team member at Monarch Bank, a $1.2B publicly traded bank. In addition to some of the responsibilities held at Towne, he oversaw all loan functions including credit underwriting and approval, credit review, loan operations, compliance and BSA AML. Since exiting the banking industry Andy has been involved in and consulted with a number of privately held businesses, primarily in strategy, M&A and capital raising roles. In 2021 he negotiated the sale of Los Suenos Farms, the country’s largest outdoor grow, to Curaleaf for roughly $70million. Andy holds a B.S. in Business Administration from Trinity University and an MBA in Finance from Virginia Tech. He has been a board member of the Virginia Small Business Financing Authority, 757 Angel Investors, and the Virginia Beach Cannabis Advisory Task Force, among others.