Senior Management

James E. Crites - President and Chief Executive Officer

Prior to joining MCB, Mr. Crites served as Senior Vice President/Eastern Caribbean Region Credit Officer of FirstBank Puerto Rico. Prior to that, Mr. Crites was President and Chief Executive Officer of First Virgin Islands Federal Savings Bank from 1992 until 2000. He was Managing Agent/Managing Agent Reserve for the Resolution Trust Corporation from 1990 to 1992, and Vice President for Chemical Bank New Jersey (formerly Horizon Bancorp) from 1987 until 1990. Mr. Crites' banking career began in 1973 with the Chase Manhattan Bank, N.A. He has been active in U.S. Virgin Islands business and civic activities for many years. His activities have included, among others, serving as President and Vice President of the Virgin Islands Bankers Association, President of the Institute of Teaching and Learning, Treasurer of Harmonic Lodge #356, Director of the Center for Independent Living, President and Secretary of the Rotary Club of St. Thomas, President and Chairman of the Board of Trustees of Antilles School, Inc., Campaign Chair for United way of St. Thomas/St. John, and Director for the Virgin Islands Council of the Boy Scouts of America.

Anette C. Williams - Vice-President and Chief Financial Officer

Ms. Williams' banking experience includes 13 years with First Virgin Islands Federal Savings Bank where she was vice president and chief financial officer until 2000 when it was acquired by FirstBank Puerto Rico. She was employed by FirstBank Puerto Rico from 2000 to 2004 after which she spent one year with Cornerstone Strategies LLC, (a real estate management company) as its accounting manager. Ms. Williams is a certified public accountant and served as Treasurer and Vice President of the Rotary Club of St. Thomas II, Treasurer of the Virgin Islands Conference of the Moravian Church, board member of St. Thomas/St. John Moravian School and President of Iota Phi Lambda Sorority Inc.

Rohit L. Khiani – Vice President and Chief Credit Officer

Ro Khiani is the latest addition to the MCB team, having joined the company in January 2009. Mr. Khiani is a native son who returned to the Virgin Islands after graduating with dual degrees from Virginia Tech in 2003. That same year, he was employed by First Bank Virgin Islands as an Account Relationship Officer in the Commercial Credit Department. After departing First Bank, Ro spent a year assisting in the development of financial software for a startup company and shortly thereafter transitioned to managing his family’s long running retail jewelry business in St. Thomas. After 3 years, Mr. Khiani sought a new challenge and became a Regional Account Manager for a multi-million dollar wholesale jewelry company based in New York whose primary market was the Caribbean. Mr. Khiani has served as Treasurer for the Rotary Club of Charlotte Amalie and is currently the Chairman of the Advisory Board for the National Academy of Finance at Charlotte Amalie High School, the acting Treasurer for My Brother’s Workshop, and a Director for the India Association of the Virgin Islands.

Kirk Callwood – Vice President and Chief Operations Officer

Kirk Callwood is a native Virgin Islander who joined Merchants Commercial Bank in December of 2020 as the Vice President and Chief Operations Officer. Kirk’s extensive background includes over 22 years of leadership and finance, including over 13 years in Atlanta where he served in various capacities for large, multi-national companies such as Wachovia Bank (Wells Fargo Bank), First Data Corporation, Cingular Wireless (AT&T), Coca Cola Enterprises and various Private Equity firms. Kirk relocated back to the Virgin Islands in 2011 and held roles such as Director of Treasury for Innovative Companies (Viya) as well as Treasurer and Chief Operating Officer at International Capital and Management Company (ICMC) in St. Thomas. 

 Prior to joining Merchants Commercial Bank, Kirk served as the Commissioner of Finance for the Government of the Virgin Islands with leadership roles as the Executive Director of the Public Finance Authority, Chair of the Board of Tax Review, Secretary of the Banking and Insurance Board and Acting Chair of the Territorial Hospital Board.

 His community leadership service includes, Past President of the Rotary Club of St. Thomas II, Treasurer and Executive Director of My Brother’s Workshop and Board of Director of the DeKalb Academy of Technology and the Environment.

 Kirk holds a Bachelor of Science in Finance from Norfolk State University, an M.B.A. from Kennesaw State University, the Certified Treasury Professional (CTP) designation from the Association for Financial Professionals and Management Certificates from the University of Pennsylvania Wharton School of Business. 

 As the Chief Operations Officer, Kirk is responsible for creating client value in Branch Operations, Information Technology, Facilities, Human Resources and Loan Operations.




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