Charles E. Cammack 
President    

 Charles E. Cammack has over twenty-five years of progressive experience in the finance industry.  His career began in the operations area of a bank while attending college. He later attained the position of Vice President and Loan Officer with a commercial bank.

Charles has strong agriculture roots. He grew up working on a cotton farm and cattle ranch near his hometown of Matador, Texas.  He graduated with a Bachelor of Science Degree in Agricultural Economics from Texas Tech University in Lubbock in 1985.  His major carried an emphasis in Finance.

In addition to commercial banking, Mr. Cammack has spent a significant portion of his career in the agricultural real estate investments department for major insurance companies. His experience with insurance companies range from credit analyst to loan officer and eventually heading up a local field office. He also assisted a Fortune 500 financial services company in organizing a national department to originate and service agricultural real estate loans for the secondary market.

In June of 1999, Charles founded Trust Financial. As the head of this mortgage banking firm, he originates real estate loans secured by farms, ranches, agribusinesses and timber properties. Trust Financial currently has loans in several states and services a substantial loan portfolio.

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Rupert Hays, CMB
Relationship Manager   

Rupert Hays is a Master Certified Mortgage Banker, and has been in the mortgage industry in excess of forty years.  A native Texan, Rupert was educated in Texas and Illinois.  Rupert has owned and operated mortgage banking companies involved in residential and commercial mortgage lending. Rupert has consistently been a leader in the mortgage banking industry.  Rupert has originated and purchased over $1 billion in mortgage loans in his career.  He has also issued $2.2 billion in mortgage backed securities and $900 million in collateralized mortgage obligations.  Rupert has been active in the Mortgage Bankers Association.  

Rupert has served as a member and was elected Chair of St. Mary’s University Board of Trustees. On behalf of a national trade organization he has been a participant before the Financial Accounting Standards Board and appeared before the United States Senate providing expert witness testimony on behalf of the mortgage industry.

Rupert currently serves in the role of Relationship Manager with Trust Financial where he is responsible for originating and servicing mortgage loans on farms, ranches and agribusinesses.  Rupert brings a wealth of knowledge and experience to the Company.

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James (Jim) L. Knowlton
Relationship Manager (Dairy Specialist)          806-771-4476

Jim Knowlton, a fourth-generation Texas cattleman, has over forty years of experience in agriculture, including dairy, beef cattle, irrigated crops,  and farm and ranch real estate brokerage.  He graduated from Texas Tech University with a Bachelor of Science Degree in Animal Science in 1960.

Jim grew up in San Antonio where his family had been in the milk production and processing business for three generations.  The summer before graduating from college, Jim worked at the Dairy Cattle Center at the University of Wisconsin.  After graduation he returned to the San Antonio area where he and his wife owned and operated a dairy farm.  They lived on the farm for twenty years, raised two sons and developed the largest herd of purebred Brown Swiss in Texas.

In 1980 the dairy was sold and the Knowltons purchased a small ranch in Atascosa County where Jim established Knowlton Land and Cattle, a real estate brokerage and purebred beef cattle operation.  In 2000, Jim and Carol (his wife of more than 43 years, and a native of West Texas) decided life was too short to live it away from their grandkids.  They sold the ranch and moved to Lubbock near one of their sons who owns a local business.

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Craig Blackwell
Relationship Manager          806-778-7870

Craig Blackwell grew up working on a farming and ranching operation in Dickens County, Texas. He is a graduate of Texas Tech University, having received a Bachelor of Science Degree in Animal Production in 1973, a Master of Science in Agricultural Economics in 1993 and an MBA in 1994 with an emphasis in Finance.

Craig has been involved in agricultural finance for over thirty years, either as a lender or a financial analyst. His experience includes working in Production Credit Associations and commercial banks in Texas, Oklahoma and Kansas. He has served as Coordinator of the Agricultural Financial Analysis Project at Texas Tech University and now provides consulting services to those involved in small business and agricultural enterprises.

Craig and his wife, Christi, have been married for over 35 years and reside in Lubbock.

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Bonnie Smith
Accounting Manager    

Bonnie Smith has worked in the corporate world for 28 years.  She has held accounting positions in various industries from restaurants to engineering firms.  After attending four years of court reporting school, Bonnie went back into the corporate world with a tremendous amount of new experience.  This knowledge allowed her to excel in the next two positions she held with multi-faceted accounting firms.

Bonnie joined the team at Trust Financial in February of 2006. Her experience, attention to details, and ability to quickly comprehend new legal concepts are assets to Trust Financial and its customers.

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Virginia FitzGerrell
Loan Servicing Supervisor    

Virginia brings many years of administrative assistant experience to our company. Before joining the Trust Financial Team in 2006, she previously worked in a physical rehabilitation hospital, an electronics company, retreat center for clergy and an accounting firm.

Virginia’s responsibilities include the tracking and maintenance of loan servicing items. These items include; tax returns, financial statements, real estate tax payments, property insurance, entity status, UCC Filings, preparing and filing of release documents for paid-in-full loans, partial release & timber release requests as well as other various administrative duties.

Virginia is a valuable asset to Trust Financial.

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Glenda Scott 
Loan Closing Supervisor    

Glenda has experience in many different fields over the past 25 years. She has over 10 years of title experience, and 13 years of Home Mortgage Loan experience. Before coming to Trust Financial in 2006, Glenda worked for Wells Fargo Home Mortgage in Las Cruces, New Mexico. Glenda’s extensive experience in title work and the mortgage industry makes her a valuable asset to the Trust Financial team.

Glenda’s responsibilities include: ordering appraisals, ordering title documentation, ordering loan documentation, and oversight of the closing process for new and amended loans. Her position also requires general administrative functionality, as necessary.

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Brad Roberson
Credit Analyst    

Before coming to Trust Financial, Brad worked as a full-time Research Analyst at Texas A&M University in College Station.  As part of an interdisciplinary team, Brad constructed a dynamic financial analysis model that incorporated price/production risk and forecasting for a mobile bioenergy production facility.  Prior to that project, Brad graduated from Texas A&M University in 2009 with a Master’s degree in Agricultural Economics, with emphases in financial/credit analysis, rural real estate appraisal, and econometrics/forecasting.  As a grad student and part-time analyst, Brad’s research focused on the economic impacts of labor in the Texas dairy industry. 

Brad comes from a farming family based in Waddell, Arizona.  The 400-acre irrigated farm produces radishes, carrots, parsnips, and various other vegetable crops sold in the US and abroad. 

As a Credit Analyst for Trust Financial, Brad’s responsibilities include but are not limited to: completing and reviewing credit write-ups, financial analysis, portfolio management and related credit administration functions.  Brad also has some website design/e-commerce experience, and is responsible for updating the Trust Financial website as necessary.