American Momentum Bank hires SBA veteran as division expands in Southeast

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American Momentum Bank has hired SBA lending veteran Joe Moss to serve as Senior Vice President, SBA Business Development Officer. The hire comes as the community bank embarks on a national expansion of its Tampa-based SBA Lending Division. Moss will serve clients nationally, with a focus on Southwest Florida and Atlanta.

“Joe has nearly 30 years of experience in the banking industry and has spent much of his career working with small businesses as a commercial lender,” said Patrick Fenech, Senior Vice President, Managing Director SBA Lending at American Momentum Bank. “In addition, he has been a small business owner himself, which gives him a unique perspective on SBA lending. We look forward to having him on the team and expanding our reach in the Southeast.”

Texas-chartered American Momentum Bank – which is a designated “SBA Preferred Lender,” according to the U.S. Small Business Administration (SBA) – announced the national expansion of its SBA Lending Division last month.

Prior to joining American Momentum, Moss served as SBA Business Development Officer for Lendstream Small Business Finance, one of 14 non-bank SBA lenders in the U.S. He has also served in SBA-related roles for Touchmark National Bank, First National Community Bank and Security Exchange Bank. During this time, he closed over $200 million in SBA 7(a) loans across multiple asset types.

Moss also served as president of Embassy National Bank, Appalachian Bancshares and J. Moss and Company, a family-owned private-lending institution focused on serving small business owners in the commercial and residential real estate industry.

In his new role with American Momentum, Moss will be responsible for sourcing well-qualified SBA 7(a) loan opportunities. Moss splits his time geographically between Atlanta and Naples and will be focusing heavily on building relationships in those markets.

“I’m excited to join the American Momentum Bank team and help a wide range of small businesses achieve their business goals through the SBA lending program,” said Moss. “American Momentum Bank has a strong capital base with an overall desire to help the small business community,and I’m happy to be joining their team of well-seasoned veterans.”

Moss earned his bachelor’s degree in economics from Emory University and his master’s degree in business administration with a concentration in finance from Georgia State University. He has also completed the financial management of financial institutions study program at the Wharton School of the University of Pennsylvania.

He is a frequent speaker for the American Bankers Association, The Financial Manager’s Society and other banking industry trade groups, and he developed and hosted “On the Money” a small business podcast on Business RadioX from 2015 to 2017.

American Momentum established the SBA Lending Division in Tampa in 2016. It has grown from a total of $13.83 million in annual SBA loan production in 2017 to $41.63 million in 2021 – an increase of 201% in five years. The division anticipates ending 2022 with a total SBA loan production totaling $62 million.

About American Momentum Bank
American Momentum Bank, a Texas-chartered banking association with total assets of $2.8 billion as of March 31, 2022. provides comprehensive products and services for businesses and individuals. American Momentum Bank has 18 full-service banking centers in Texas and nine full-service banking centers in Florida. American Momentum Bank’s strong capitalization, superior asset quality and experienced management teams position it as one of the premier banks in each state. Visit www.americanmomentum.bank to learn more.