Stephen P. Panagouleas serves as the Chief Credit Officer for First Financial Bank, N.A. and First Financial Corporation, playing a pivotal role in the strategic oversight of credit risk management and portfolio quality. With an extensive background in banking and finance, Stephen has over two decades of experience in the industry. He joined First Financial Corporation in 2016, bringing with him a wealth of knowledge and expertise in credit administration, risk management, and commercial lending. Before his tenure at First Financial Corporation, Stephen held various leadership positions at other financial institutions, where he was instrumental in developing and implementing robust credit policies and procedures. His strategic vision and leadership have been key in steering First Financial Corporation towards maintaining a high-quality loan portfolio and fostering sustainable growth. Under his guidance, the bank has seen significant improvements in credit performance and risk management practices, solidifying its reputation as a trusted and stable financial institution. In his current role, Stephen is responsible for overseeing the credit administration department, ensuring adherence to regulatory requirements, and managing the overall credit risk profile of the bank. His dedication to excellence and commitment to the bank's mission have earned him respect among his peers and subordinates alike. Stephen's contributions have been vital in navigating the complexities of the financial landscape, ensuring that First Financial Corporation remains well-positioned for future success.