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About EnerBank

EnerBank USA Corporate Offices, Salt Lake City, UTEnerBank USA Corporate Logo in Black and White

Company Overview

FDIC insured EnerBank USA® is a highly specialized, national consumer lender that helps strategic business partners and independent home improvement contractors increase sales. Strategic business partners include manufacturers, distributors, franchisors, member or trade associations, and major retailers of home improvement, remodeling, and energy-saving products and services. They all rely on the bank to be here today and tomorrow to fund customer loans and help them achieve their business goals and objectives. We are America's home improvement lender of choice. We are reliable, professional, and we produce results.

EnerBank leadership

Our leadership team is made up of experienced and innovative people. Learn more about our key employees below.

Charles E. Knadler, President & CEO

Charles E. Knadler

President & CEO

Charles E. Knadler

President & CEO

Charles E. Knadler serves as EnerBank USA® President and CEO, responsible for the overall management of this highly specialized FDIC-insured bank, whose only business is unsecured home improvement lending. EnerBank, the only bank in the United States to exclusively serve the home improvement lending market has sustained a strong growth rate, superior asset quality, and profitability before, during and after the recession. He attributes the success of the financial institution to an innovative business plan, a high degree of specialization, geographic diversification (EnerBank serves a national market), and responsiveness to the needs of home improvement contractors and the homeowners they serve. He was named to the position on January 1, 2016.

Prior to his current position, Charles was Executive Vice President and Chief Financial Officer from 2010 through the end of 2015 and Senior Vice President and Chief Credit Officer from 2005 to 2010. His career in financial services started in 1994 and includes experience in sales, credit, compliance, and finance. Prior to joining EnerBank, he managed the home improvement credit department at Associates First Capital Corporation.

Charles serves on the Finance Committee of NeighborWorks Salt Lake, a non-profit organization with the mission of revitalizing neighborhoods and creating affordable housing. He also serves on the Executive Committee of the Utah Association of Financial Services and the National Association of Industrial Banks.

Born in Baltimore, Maryland, Charles received his undergraduate degree from Brigham Young University and MBA from the University of Utah.

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Kristin Dittmer, Executive Vice President & Chief Financial Officer

Kristin Dittmer

Executive Vice President & Chief Financial Officer

Kristin B. Dittmer

Executive Vice President & Chief Financial Officer

Kristin B. Dittmer is Executive Vice President and Chief Financial Officer of EnerBank USA®, a nationwide provider of unsecured home improvement loans.

Prior to her current position, Kristin served as Executive Vice President of Finance and Credit, and Senior Vice President and Chief Credit Officer from 2010 to 2015. Prior to joining EnerBank, Kristin was the Chief Credit Officer at BMW Bank of North America. She began her banking career as a Financial Examiner with the Utah Department of Financial Institutions. In this capacity, she conducted extensive on-site examinations of both large and small state-chartered community banks, industrial banks, and credit unions.

Kristin currently serves on the Credit Committee of the Utah Small Business Growth Initiative, a non-profit with a mission of creating jobs by providing growing businesses with access to additional funding. She also serves on the Advisory Board of the Eccles Opportunity Scholars Program at the University of Utah. Kristin joined the Board of the Utah Bankers Association in August 2016 and continues to serve as a mentor for their Executive Development Program. Utah Business Magazine selected Kristin as one of 30 Women to Watch in 2016.

Kristin holds a Bachelor's of Science degree in Finance and a Master's of Business Administration degree, both awarded by the University of Utah.

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John S. Harris, Executive Vice President of Sales & Marketing

John S. Harris

Executive Vice President of Sales & Marketing

John S. Harris

Executive Vice President of Sales & Marketing

John Harris is Executive Vice President of Sales and Marketing of EnerBank USA® where he manages and directs sales and marketing for the bank. John is also responsible for defining the bank's long-term marketing and product strategies. He mentors and manages a team of relationship management, business development, training, and marketing professionals.

John is a member of the bank's executive management team playing a pivotal role in shaping strategy and policy for the bank. He joined the bank in 2004 after serving for several years as Vice President/Marketing for KeySpan Home Energy Services, a multi-state residential HVAC, and plumbing contractor.

Prior to working at KeySpan, John was a senior executive and Chief Marketing Officer of several regional and national financial services companies including Valley National Bancorp and CenTrust Bank. He has over 35 years' experience in the finance and home improvement sectors.

In 2018, John received both a Sales & Marketer of the Year (SAMY) award from Utah Business Magazine, and a Gold Stevie® Award for Lifetime Achievement from The American Business Awards.

John holds a bachelor's degree in Marketing and Economics from Florida State University.

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Robb Kerry, Senior Vice President & Chief Credit Officer

Robb Kerry

Senior Vice President & Chief Credit Officer

Robb Kerry

Senior Vice President & Chief Credit Officer

Robb Kerry is Senior Vice President and Chief Credit Officer of EnerBank USA® and is responsible for all aspects of consumer and commercial credit risk in the bank's portfolio of unsecured home improvement loans.

Prior to his current position, Robb was at GE Capital Bank where he spent 5 years as the Models and Quantitative Risk Leader, where he oversaw all aspects of credit modeling and portfolio stress testing. Robb has also been Chief Credit Officer at both ADB Bank and Cache Valley Bank. He began his banking career as a Financial Examiner for the Utah Department of Financial Institutions.

Robb received his Master of Business Administration and Bachelor of Arts in Business Administration and Spanish from Weber State University. He also holds the Chartered Financial Analyst® designation. Robb joined EnerBank in 2015.

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Blaine Bagley, Senior Vice President, Call Center Operations

Blaine Bagley

Senior Vice President, Operations

Blaine Bagley

Senior Vice President, Operations

Blaine Bagley is Senior Vice President, Operations of EnerBank USA®, where he manages a team of operations professionals, including client services, collections, contractor support, customer relations, lending and office management. Previously, he was Vice President and Manager of Loan Operations where his responsibilities included the lending and collections departments. Blaine has over 20 years' of banking/collections experience. He joined EnerBank in 2005 after ten years as the Group Vice President and Director of Collections for American Investment Bank, NA, a nationally chartered bank, where he oversaw the operations of the auto and recreational loan portfolios.

Blaine is also active in his local community regularly serving in the youth homeless transition center sponsored by The Volunteers of America. He often attends and supports People Helping People events, Arts, Inc., Children's Services Society and the Utah Non-Profit Association. He is an active member of the Salt Lake Tennis and Swimming Club currently working to improve his tennis game and is a life-long pianist who enjoys playing movie themes and classical arrangements.

Blaine completed his general education and studied Political Science at Utah State University (1989) and holds a degree and certified as a paralegal from Salt Lake Community College (1991). Additionally, he has extensive training through the American Management Association.

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Neil R. Fellows, Senior Vice President of Legal and Regulatory Affairs & Chief Compliance Officer

Neil R. Fellows

Senior Vice President of Legal and Regulatory
Affairs & Chief Compliance Officer

Neil R. Fellows

Senior Vice President of Legal and Regulatory Affairs & Chief Compliance Officer

Neil R. Fellows is Senior Vice President of Legal and Regulatory Affairs and Chief Compliance Officer of EnerBank USA®, a nationwide provider of unsecured home improvement loans. Neil also serves as Corporate Secretary of EnerBank. He was named to these positions on January 1, 2014.

Prior to joining EnerBank, Neil held various legal positions for CMS Energy Corporation (the parent company of EnerBank) and its affiliates since 1987. Since 2009, Neil has been providing transactional, commercial, and conflict resolution legal services to EnerBank while employed at other CMS Energy affiliated companies.

Neil currently serves as a Director on the Board of Directors of Junior Achievement of Utah. Junior Achievement of Utah was established in 1956 to educate Utah's students in work readiness, entrepreneurship, and financial literacy through experiential, hands-on programs.

Neil was born in England and raised in Michigan. He earned a B.S. in Business from Central Michigan University and a J.D. from Wayne State University Law School.

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Rob Palmer, Senior Vice President, IT Manager

Rob Palmer

Senior Vice President, IT Manager

Rob Palmer

Senior Vice President, IT Manager

Rob Palmer is Senior Vice President, IT Manager for EnerBank USA®, a nationwide provider of unsecured home improvement loans. He has primary responsibility for IT and Project Management. Rob also serves as the Chairman of the IT Committee for EnerBank.

Rob has worked for EnerBank since 2012. Prior to joining EnerBank, Rob held various leadership positions in IT departments in the Financial Services and Health Care industries. He has worked in IT for over 19 years with specialization in software development, database architecture, process improvement, and project management.

Rob was born and raised in Florida. He earned a B.S. in Computer Information Systems from Florida Tech.

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Code of Conduct

EnerBank Code of Conduct

Guiding Principles

EnerBank USA® has historically followed the "Code of Conduct and Guide to Ethical Business Behavior" of our parent company, CMS Energy Corporation. The CMS Energy Code of Conduct has helped shape the way the bank conducts its business as a good corporate citizen. The new "EnerBank Code of Conduct" continues in this tradition and, while more specifically tailored to the unique role of the bank within the CMS Energy family of companies, incorporates all of the fundamental aspects of the CMS Energy Code of Conduct. Ethical behavior has always been, and will always be, an important part of who we are at EnerBank. The "EnerBank Code of Conduct" is an excellent tool to help understand the types of behaviors expected by EnerBank Management, its Board of Directors and its parent company, CMS Energy Corporation.