Craig Huntington

President, Alliance Association Bank

Craig Huntington began his career in association management in 1980 when he founded Huntington Property Services, a full service property management company specializing in homeowner association management in Southern California. Craig has been President of the Channel Island Chapter of Community Association Institute (CAI) and has served on the Board of Directors for the Nevada, Central Arizona and Utah CAI Chapters.

Craig is also a well-respected and distinguished industry and motivational speaker. He has been presenting managerial, leadership and motivational presentations for the past 20 years and has developed a comprehensive collection of presentations on a wide range of subjects. Craig has spoken at CAI conferences, management companies, executive retreats and strategic meetings in over 15 states.

Currently, Craig is President of Alliance Association Bank, a division of Western Alliance Bank that provides services designed for homeowner associations and management companies. Prior to joining Alliance Association Bank, Craig was President of Community Association Banc.

Craig received his Bachelor of Science degree in business from Oregon State University in 1972 and currently resides in Las Vegas, Nevada.


Joanne M. Haluska, CMCA, AMS

Senior Vice President – East Coast - OH / MI

Joanne served as a volunteer on her homeowners community board of trustees as Treasurer and served on various other committees. It was during that time that Joanne became interested in managing community associations and joined a management company in Cleveland, Ohio. Joanne was a portfolio manager for over 4 years and focused not only on managing her communities but also on procedures and efficiencies in the management office itself. During this time Joanne set up lockbox for the property management office and realized, first-hand, the efficiencies and advantages of such services. Joanne has achieved both the CMCA and AMS certifications through Community Associations Institute. Joanne was published in the May/June 2008 edition of Common Ground Magazine (CAI's Magazine for Community Association Leaders). Additionally, Joanne has over six years of Human Resources Management experience.

Joanne joined Alliance Association Bank in February 2009 and looks forward to servicing her clients with the same level of superior service that she demanded as a portfolio property manager. Joanne is excited to utilize her past experience as a portfolio property manager to assist her clients in all aspects of a community management company's needs.

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Amy Ostwinkle

Vice President, Association Financial Partner - Arizona/Colorado

Amy began her career in accounting where she worked at AD Ostwinkle & Associates Inc. During this experience, Amy developed an in-depth knowledge of the community management industry. After 9 years, she brought her accounting knowledge to Tops/212 Software as a corporate trainer. Amy's expertise in this role helped solidify Tops/212 Software as one of the top accounting software programs in the community management industry. Amy impressed management companies throughout the southwest with her dedication, resourcefulness and willingness to go the extra mile at all times.

Recently, Amy joined Alliance Association Bank as the Association Financial Partner for Arizona. With this transition, Amy is excited to draw on her past experiences and bring to the marketplace a representative that understands all aspects of a management company. Amy has been an active member of the Arizona HOA industry for many years, and has recently joined the Arizona Association of Community Managers and Arizona Chapter of CAI where she also serves on several committees.

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Blair Fox

Vice President, Association Financial Partner - Northern California

Blair Fox is a Vice President at Alliance Association Bank specializing in providing banking products for homeowner associations and management companies. He is responsible for business development in Northern California. Prior to joining Alliance Association Bank, Blair most recently worked for a boutique multi-family brokerage and investment firm headquartered in Oakland, CA where he was involved in the sale of over $20MM of multi-family properties. Blair gained valuable experience in investment sales and the management of multi-family properties / communities. Prior to that, Blair was a senior analyst / underwriter for MUFG Union Bank’s Corporate Banking Group. Blair is originally from the San Francisco Bay Area and received his BA in Finance and International Business from Oregon State University. As a founding member, he currently serves on the Board of the ALS Young Professionals Group of Northern California.

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Craig Finck

Vice President, Association Financial Partner – Illinois/Wisconsin/Missouri

Craig began his career in banking in 1989 where he spent a majority of his career working with a variety of Trust and Investment clients in Chicago and throughout the country. His developed expertise with his Trust and Investment clients lead him to the responsibility of managing the investment process for a $600 million community bank Trust Department. Prior to joining AAB in October of 2010, Craig worked for the Homeowners Association Banking Group of Harris Bank. Craig's experience in the investment industry, coupled with his unique experience in the association industry, helps his clients to identify and meet their financial needs.

Craig is the past President and Treasurer of his 2,300 unit homeowners association. He is a past board member of ACTHA. Craig is a past board member of the Illinois Chapter of Community Associations Institute, as well as being a current member of the chapter's Finance and Homeowners Forum Committees. He received a Rising Star award from the Illinois Chapter of CAI in 2008. He attended DePaul University.

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Denise Sauro

Vice President/Association Financial Partner - Nevada/Southern Utah

Denise Sauro has been an active member of the Nevada Homeowners Association Industry for many years. She began her banking career in 2000 as an Operations Manager at Business Bank of Nevada where she emphasized customer service and efficient operations. After working at Business Bank of Nevada, Denise joined Community Association Banc. More recently in 2008, Denise joined Alliance Association Bank (AAB). She is excited to be bringing the finest banking products along with her deep knowledge of the HOA industry to homeowner associations and management companies.

During her banking career, Denise has dedicated herself to understanding the HOA industry and developing innovative HOA procedures and products. Through her foresight and thoroughness to the customers' needs, she has continuously provided superior services and products. More recently Denise has played an active role in HOA banking sales, combining her operational knowledge with a professional and courteous sales approach.

Denise is actively involved in the Community Associations Institute of Las Vegas and has served on several committees. She has designed successful industry events including luncheons, presentations and educational seminars specific to homeowner associations and community management companies' needs.

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Elle Larkin, Association Financial Partner

Association Financial Partner - Dallas, TX / OK

Alliance Association Bank welcomes Elle Larkin to the Dallas/ Fort Worth area. Elle is originally from the Northwest where she received her Bachelor of Arts degree in Communications and Political Science from the University of Washington. While attending school she was an active member in Alpha Chi Omega sorority and the Association for Women in Communications. Elle prides herself on being a strong leader and active in the community.

Upon completing her studies, Elle relocated to Las Vegas, NV where she began working as an executive assistant to the vice president of a homeowner association management company. While there, Elle was able to gain background knowledge of the HOA industry. Elle relocated to Dallas, TX bringing her positive attitude with her. She joined AAB and continues to build her skills, knowledge and experience within the industry.

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Judy Nordstrom

Vice President /Association Financial Partner – Washington/Oregon/Idaho

Ms. Nordstrom has joined Alliance Association Bank as the Pacific Northwest Financial Partner covering Washington, Oregon and Idaho. Prior to joining AAB, Ms. Nordstrom was responsible for the day-to-day management of all aspects of operation of the nine Master Planned Communities in the South Puget Sound managed by CDC Management Services. Prior to this assignment, Ms Nordstrom held positions with the following organizations: SoundBuilt Homes as Director of Customer Service with oversight for all home buyer warranty matters including negotiations and resolution; Intracorp Real Estate. LLC. As the Manager of Builder Services responsible for HOA planning, new product delivery, and warranty of over 700 new construction units consisting of single-family, town homes, and mid/high-rise residential communities; Suhrco Property Management as a Regional Property Manager; and Conam Property Management as a property manager for apartment and condominium communities including oversight for transition from apartments thru conversion to condominiums.

To augment her extensive property management and customer service experience, Ms. Nordstrom completed the Construction Management Program at the University of Washington in 2008

She has also been active in her community, participating in a variety of capacities at several charitable foundations, and is a member of the Washington Chapter of CAI, Oregon CAI and OWCAM.

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Lauren Tedford

Vice President, Association Financial Partner – New England

Lauren began her career in community association banking as a Lending Specialist for First Associations Bank. She had a key role in a team that built one of the few nationally recognized community association specialized financial service programs. The role and success was further expanded with the merger of another HOA specialized bank. Through her volunteer involvement with multiple CAI chapters in the Northeast, Lauren held leadership positions on committees and worked closely with a variety of the community association professionals.

In 2013, Lauren was promoted to Assistant Vice President/HOA & Property Banker, where her territory was expanded to cover the Northeast and the Mid-Atlantic markets. Through extensive loan presentations for property management companies, she has become an expert in guiding boards and managers through industry best practices and prides herself on her superior customer service. Over the past year, Lauren has worked as an independent loan consultant for HOA Lending Solutions, where she worked with communities nationwide in finding the most economical resources to meet their unique financial needs.

Lauren, who resides in Connecticut, joined Alliance Association Bank as Vice President - Association Financial Partner and will be covering the New England region.

Lauren received her Bachelors of Science in Communications from Eastern Connecticut State University, with her primary focus being in sales and marketing.

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Lisa Elkan

Vice President, Association Financial Partner – South Florida

Lisa Elkan began her career in banking as a teller during the summers while attending Iowa State University. After graduating from Iowa State University with a Bachelor of Business Administration degree in Finance, Lisa moved to South Florida and worked as an auditor for a commercial bank. From auditing the different areas of the bank, she gained knowledge in all areas of banking, including investments and mortgages. Her interest in those two areas led her to working as a mortgage-backed securities trader for a capital markets firm and branch manager of a national appraisal management company. Her most recent experience was in financial sales management with one of her focuses on the deposit accounts and capital improvement loans for the community management industry. Lisa’s career in banking has allowed her to better understand the unique needs of the community management industry to save them time and money. She believes education is important to the community managers and board members; therefore, she has facilitated seminars to allow licensed community managers to earn continuing education credits.

Lisa, who resides in Boca Raton, Florida, joined Alliance Association Bank as Vice President - Association Financial Partner and will be covering the South Florida region.

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Pat Hillen, CMCA, PCAM

Vice President/Association Financial Partner – Georgia and Alabama

Pat Hillen has joined Alliance Association Bank as Vice President/Association Financial Partner representing the Georgia and Alabama region. Pat has a wide range of experience in the community management industry. Being actively involved in the industry for over 20 years, her experience includes co-founding and serving as president to a community association management company. Pat also holds the Certified Manager of Community Associations (CMCA) and the Professional Community Association Manager (PCAM) designations. She is an active faculty member of Community Associations Institute and has served as President of the Community Associations Institute, Georgia Chapter. Pat holds a Bachelors Degree in Business Administration from Kennesaw State University where she was awarded the "Entrepreneur of the Year Award". Pat has also received a professional certification from ICM School of Business in Computer Systems Applications. Pat is looking forward to bringing her experience and knowledge combined with AAB's suite of Services to community management companies throughout her region.

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Paul Knuth, CAM

Vice President/Association Financial Partner – Central FL - LA

Paul joins AAB after holding the position of Regional Vice President for a national community association management company with responsibilities in the states of Florida and Georgia. After learning the intricate details of community associations, Paul felt the move to bringing banking solutions to this industry would be a natural progression for his career growth. Prior to that, Paul held the position of Vice President of Land Acquisition and Entitlement for a regional Midwest developer-builder.

Originally from Michigan, Paul was owner of Knuth & Associates LLC, where he was involved in all aspects of real estate from land acquisition, entitlement, development, construction and sales of newly created residential communities. Paul is a licensed Florida Community Association Manager, and Michigan and Georgia Real Estate Broker. He is also a past president of the Kiwanis Club, former director of his community’s Chamber of Commerce and six-term Planning Commission Chairman in his hometown of 30,000 residents.

Paul Knuth is joining Alliance Association Bank with more than 25 years of experience in various roles related to real estate development and community management. Paul is looking forward to bringing his expansive knowledge to the community management companies and community associations throughout the mid-Florida region.

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Linda Cardoza

Vice President/Association Financial Partner – Southern California (Orange County, L.A. and Riverside County)

Linda Cardoza has always been drawn to the real estate industry but her true enjoyment comes from interacting with people. By nature, she is enthusiastic and compassionate, which is evident in her approach to providing excellent service to her clients.

Ms. Cardoza delivers the strength of proven financial knowledge and ethical integrity, promoting unilateral success, navigating through adversity and gaining unwavering trust within the real estate industry. Her goal is to empower her clients with the tools they need to actively engage in the success of their business operations, and to maintain an open dialogue with them. As such, her clients view her as their financial partner and feel comfortable discussing all of their questions and concerns. According to Ms. Cardoza, “I value the trust my clients place in me and I want them to be involved in every step of our partnership. This partnership is essential to their success."

Ms. Cardoza began her real estate career as a commercial real estate property manager in Los Angeles, California while attending college and obtained her California Real Estate Sales License. Ms. Cardoza has managed and leased real estate portfolio's consisting of commercial office buildings, industrial parks, regional and community shopping centers , residential properties and homeowners associations for various companies which include a financial institution, entertainment corporation, developer(s), fee management companies and general partnerships.

Ms. Cardoza combined her real estate experience and industry knowledge when she converted her career, over a decade ago, into a financial partner to assist property management companies in the Common Interest Development industry with banking services and now obtains a unique skill set as a VP - Association Financial Advisor for Alliance Association Bank. Outside of work she enjoys weekends at the beach, experimenting in the kitchen, jogging, hiking, bike riding, attending Angels baseball games and traveling our nation and internationally with her son.

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Robert Small, AMS, PCAM

Vice President, Association Financial Partner - Virginia, Maryland, New York, New Jersey, Pennsylvania

Robert Small is a lifetime resident of Richmond, VA. He received his B.S. Degree in Communications from Radford University. Soon after graduating, he went to work for his family’s business in association management in Richmond, VA. From 1997 to 2001 he worked as a portfolio manager for their company where he managed a wide-range of associations. In 2001, he and his family split from their business partner and started a new management firm in Richmond with eleven associations. Over the next nine years their company grew from managing eleven associations to managing over eighty associations. They were able to sustain this growth because of their excellent reputation in the market and their ability to adapt to new technologies and strategies.

Robert joined Alliance Association Bank (AAB) after selling his share of the management business to his remaining family members. He chose to work for AAB because of Craig Huntington’s industry knowledge and the high performance of the bank. The positive experiences Robert has experienced with Craig and AAB made this an easy decision for his career.

Robert has been helping management companies and large-scale managers become more efficient and grow their business, not just through banking services, but also through sharing his experiences in the industry.

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Sabine Holton, CMCA, AMS, PCAM

Vice President, Association Financial Partner - Texas

Sabine Holton has been involved with the community association management industry for the past 21 years. Holton began her community association career as a community manager where she developed an in-depth knowledge of the industry's needs during her 21 year tenure. More recently, she served the industry as an HOA banking relationship officer where she excelled at providing creative financial programs for her clients. The Community Association's Institute (CAI) has awarded her with three professional designations, including the prestigious Professional Community Association Manager (PCAM) designation, Association Management Specialist (AMS), and Certified Manager of Community Associations (CMCA).

Holton is an active member of the Greater Houston Chapter of the CAI. Her favorite endeavor with CAI was serving as the executive director, advertising sales and producer for the Community Spotlight Radio Show, which aired on Houston radio station KSEV in the 1990's. She is responsible for reviving the show in 2006 which currently airs on Houston's 650 AM CBS radio station. The Greater Houston Chapter of the CAI also recognized her as Volunteer of the Year in 1990 and she received the Committee Chair award in 2008. She currently volunteers and serves as financial advisor for her condominium association in Houston.

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Stacy Dyer, CMCA, AMS

Vice President/Association Financial Partner - North and South Carolina

Stacy Dyer is originally from the Detroit Metro area of Michigan. While living in Michigan she received her Bachelor of Science in Urban and Regional Planning and her Master of Science in Urban and Regional Planning from Eastern Michigan University. Stacy started working in the residential-land planning arena in 2003 as a project manager in land acquisitions. In 2006 Stacy moved to South Carolina and joined the Centex Homes team as an Entitlements and Land Acquisition Project Manager. A year later, Stacy became the Assistant Director of Community Associations for Centex Homes. As the Assistant Director Stacy started to become more knowledgeable and experienced in the day-to-day operations of community associations. She represented Centex as the Board President or Vice President for 33 homeowner associations. In 2008 Stacy joined the Abbott Enterprises team as the Regional Manager of the Coastal Carolina division and was responsible for the business development and oversight of the operations for the coastal division. While working at Abbott Enterprises, Stacy also received her CMCA (Certified Manager of Community Associations) and AMS (Association Management Specialist).

Stacy joined Alliance Association Bank in August of 2009 as the Vice President – Association Financial Partner for the Carolinas. Stacy is active in both the North Carolina and South Carolina CAI chapters and is currently serving as a committee member of the Tri-Counties RAC of the South Carolina CAI Chapter. Because of Stacy’s professional background, education and commitment to the industry, she helps bring a different level of knowledge and experiences to management companies and community associations.

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Teresa Langebrake

Association Financial Partner – Kentucky/Tennessee/Ohio

Teresa brings 20 years of residential property management and leadership experience in a customer-driven environment to Alliance Association Bank. She began her career in St. Louis, MO, starting as a leasing consultant, and then quickly working her way into management.

After ten years she transferred to Cleveland, OH where she began her professional involvement in homeowner and condominium association management. Teresa has vast experience in portfolio management as well as being an on-site property manager for a condominium association.

Teresa is a member of Community Associations Institute and is presently pursuing the Association Management Specialist (AMS) designation.

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Tracy Burkhammer

Vice President/Association Financial Partner – Washington, DC/Maryland/Virginia

Tracy Burkhammer began her career in banking in the accounting department at George Mason Bank in Fairfax VA. With that role, Tracy fine-tuned her skills and knowledge in all aspects of banking from reconciliations to Automatic Teller Machines (ATMs). Tracy also gained valuable experience by working directly with the federal reserve on wire transfers and savings bonds. In 1994 Tracy ventured into the mortgage industry for six (6) years where she was involved with all parts of operations, accounting, human resources, loan processing, and executive assistant. After watching the Loan Officers help their clients with the American Dream “Homeownership”, Tracy’s interest was sparked and that prompted her to earn her Virginia real estate license in 2000. Tracy currently still holds her license on referral with Re/Max. In 2009, Tracy held the position of HR Director for a start-up mortgage company in Northern Virginia. In this capacity Tracy was instrumental in the company’s growth from 20 employees to 150. Tracy also managed Appraisals and Mortgage Loan Officer Licensing with the NMLS.

Tracy joined Alliance Association Bank in March 2012 as a Vice President – Association Financial Partner for VA/MD/DC.

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