Board of Directors & Leadership
Meet the Board of Directors and the Leadership team who are dedicated to providing outstanding banking services to the Mission District and greater Bay Area.
Mission National Bank Board of Directors
Chairman of the Board
JoAnne Loughlin has served as a Director of the bank since 2018. Ms. Loughlin served as a Senior Business Assurance Manager for Moss Adams LLP for 21 years. Prior to that, Ms. Loughlin served as a Regional Operations Coordinator for Great Western Bank for 14 years. Ms. Loughlin received her Bachelor of Arts in Business from Sonoma State University and was a Certified Public Accountant.
Cesar V. Alegria, Jr.
Cesar V. Alegria, Jr. has served as a Director of the bank since 2017. Mr. Alegria has been a practicing attorney for over 30 years. He specializes in land related matters. Mr. Alegria graduated from the University of California, Hastings College of the Law. He was past president of the Filipino Bar Association of Northern California and was a member of the San Mateo Health Commission and the Daly City Planning Commission. He served in the U.S. Army Reserve.
Alma Vivar has served as a Director of the bank since 2010. She is the owner of Vestal House ICF/DD-H, a San Leandro, California based Residential Care Facility. She served as President of the Players Group from 2000 to 2008.
William "Billy" Chan
William Chan has served as a Director of the bank since 2017. Mr. Chan is a business transactions lawyer in San Francisco, California, handling business and corporate work for his clients. Mr. Chan completed his undergraduate education at UCLA, where he graduated with honors. He attended law school at UC Berkeley School of Law. Mr. Chan is an active member of the legal community. He is a past President of both the Asian American Bar Association and the Filipino Bar Association of Northern California. His current community involvement includes service as a director for the nonprofit that organizes the Undiscovered night market in the SoMa district of San Francisco.
Julio Prada has served as a Director of the bank since 2019. Mr. Prada is a compliance professional with over 30 years of regulatory experience with the California Department of Business Oversight, supervising financial institutions, foreign banking organizations, managing a portfolio of the nation’s largest Money Services Businesses (MSBs), and directing the MSB application unit. He also has extensive enforcement experience, is bilingual in Spanish and English, a graduate of San Jose State University, and ACAMS certified.
David Choi has served as a Director of the bank since 2019. Mr. Choi is a professional banker with over 37 years’ experience in credit with the last 16 years as a Chief Credit Officer. During this time, Mr. Choi participated in organizing three commercial banks in Los Angeles. As a Chief Credit Officer, he was responsible for the overall management of credit such as loan production, maintaining proper loan grading and developing and maintaining credit policies and procedures. Through Mr. Choi’s leadership, regulatory enforcement actions imposed on another bank were removed within six months after joining the Bank. At a different bank, the Texas Ratio during the Subprime economic downturn was maintained at zero for 2 years. Mr. Choi is a graduate of the Stonier Graduate School of Banking, class of 1988.
Jarhett Blonien has served as a Director of the bank since 2021. Mr. Blonien is a government relations attorney with J. Blonien A Professional Law Corporation. Mr. Blonien has years of experience working at various levels of state government and has spent his career mastering the legislative process, forming relationships with key players and learning how to creatively implement successful strategies amidst a constantly evolving political landscape. Mr. Blonien is a recognized expert of gaming and government law. Mr. Blonien’s practice area covers issues such as health care, local government, land use, financial institutions, water and environmental issues. Prior to starting his own business, Mr. Blonien served under Kamala Harris in the California Department of Justice as a Deputy Attorney General. The focus of his public sector legal work included environmental, criminal, and civil rights issues. Prior to working in the Attorney General’s Office, Mr. Blonien attended Santa Clara University where he received both his Bachelors of Science and Juris Doctorate Degrees. Mr. Blonien is a member of the California State Bar.
Ray Skinner is Chief Executive Officer of the bank since 2022. He has over 30 years of experience leading and building high-performance bank teams that help individuals, organizations, and communities grow. Mr. Skinner has served as CEO and other senior executive positions for banks in Missouri, Virginia, Georgia, Hawaii, and Tennessee. Mr. Skinner received his bachelor’s degree from the University of Mississippi and is a graduate of the Barret Graduate School of Banking at Christian Brothers University. Mr. Skinner serves as Chairman of the Board of Trustees of Mid-America Baptist Seminary and College. He is also a member of the executive committee of the Board of Regents at the Barret School of Banking.
Ming S. Chow is President of the bank and formerly served as Chief Financial Officer from September 2013 to October 2022. Mr. Chow also served as Acting Chief Executive Officer from September 2017 to March 2018. Mr. Chow has over 20 years of experience in the financial services industry. Mr. Chow has held a number of executive and senior positions with community banks in California, Nevada, and Arizona, ranging from $200 million to $3 billion in total assets. Mr. Chow has served as a Board Director of the Association of Asian American Bankers since 2021. Mr. Chow received a Master of Business Administration from Queens University of Charlotte and a Bachelor of Science degree from the University of North Carolina at Charlotte. Mr. Chow is also a graduate of the Pacific Coast Banking School at the University of Washington.
Executive Management & Leadership