Name: Joseph Rehm, of Clayton, Gloucester County

Education: Attended Gloucester County College; graduated from Stonier Graduate School of Banking and American Bankers' Association National Commercial Lending School

Family: Married to Tonya, with children Elijah, 15; Maura, 7; and Trevor, 3

Company: Capital Bank of New Jersey, of Vineland

Position: Senior vice president of commercial lending, also Community Reinvestment Act officer

Phone: 856-457-6368

Capital Bank of New Jersey is a local community bank that was founded in 2007 by a group of Cumberland County organizers.

Our focus is commercial lending throughout all of southern New Jersey, for small- to medium-sized closely held companies. We have four branches in three counties.

We also provide the standard suite of retail and consumer deposit and lending products, although we focus on small business from a lending perspective.

The best part of my job is that, on a daily basis, I meet with South Jersey business people, learn about their businesses, listen to their challenges and opportunities, and help figure out if there's a way Capital Bank can help them.

As CRA officer, I'm also responsible for our reinvestment rating, which measures how banks do at meeting the lending needs of their community. I'm proud to say Capital Bank has an outstanding CRA rating, the highest you can get.

Entry: I started as a teller at a savings and loan bank in Turnersville. After a year, I accepted a position at a Woodstown bank as a credit analyst and was there 10 years.

I had worked with Dave Hanrahan, our president and CEO, at what is now Fulton Bank of N.J. He was one of the organizers of Capital Bank, and he called and asked if I was interested in starting a new bank with him.

I'm proud of my Stonier graduation and the Wharton Leadership certificates I received in June.

About me: I'm president of the board of the Gloucester County YMCA and vice chair of the board of the Gloucester County Chamber of Commerce.

My favorite thing is to spend time with my wife and three lovely children, and I'm a huge sports fan.

I'm especially looking forward to watching my 15-year-old in his high school athletics.