I Will Survive: COVID-19 and Crisis Management

Cadence Bank Podcast: In Good Companies

COVID-19 has caused unprecedented business disruption over the past several years. Businesses had to implement essential health and safety protocols, shift to virtual, navigate changing regulations, and try to reach customers whose lives were equally upended. Everyone has struggled to find balance, and many businesses had to close their doors permanently. Though we hopefully won’t see another pandemic in our lifetimes, there’s a lot to learn from COVID-19.

So, join us for this masterclass in crisis management to hear from people whose expertise was proven through the gauntlet of the last two years. That way, you'll be prepared for the next crisis that hits your business, even if its on a global scale. Read the full show transcript.

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Meet the Host

Patrick PachecoPatrick Pacheco, Executive Vice President, Trust Executive, has more than 25 years’ experience in wealth management, in addition to the designing and implementation of tax and related planning strategies.

Pacheco’s background includes years of legal practice and multiple degrees, including an LLM* Taxation from University of Houston, a JD from Southern Methodist University, and both an MBA and BS in Economics from University of Texas at Arlington.

He is also board certified in Estate Planning and Probate law by the Texas Board of Legal Specialization.


Meet the Speakers

Daniel HollandDaniel Holland, Executive Vice President, Head of Cadence Bank Restaurant Group is based in Atlanta, Georgia. With over 25 years of banking experience focused solely on the restaurant sector, Holland brings valuable insight and connections to franchisees and franchisors in all stages of the business cycle.

Prior to joining Cadence Bank in 2012, Holland led the restaurant banking group at Regions Bank, where he also had coverage responsibilities for restaurant operating companies and financial sponsors active in the restaurant space.

 From 1997 to 2010, Holland served as managing director and senior corporate banker in the Restaurant Banking group at Bank of America Merrill Lynch. There he covered both restaurant operating companies and large franchisees. Concurrently, Holland led the marketing efforts for the franchise banking group as part of the business banking platform at Bank of America. Prior to joining Bank of America Merrill Lynch, he worked at McVean Trading & Investments, a commodity brokerage firm in Memphis, Tennessee.

Holland holds an M.B.A. and B.B.A from the University of Memphis.


Jack KempJack Kemp, Founder and CEO of Phase Three Brands, an operator of Hardee’s and WingStop franchised restaurants. He founded the company in Tampa in 2013 and has grown the business to more than a thousand team members in eighty locations in Central Florida, Southeast Alabama and Southwest Georgia. Jack is the president of the Independent Hardee’s Franchise Association, and the recipient of Hardee’s top franchisee award for 2020.

Prior to Phase Three, Jack graduated from the United States Military Academy and later Harvard Business School. His professional career started in the United States Army, with service in Germany, Kosovo, and Iraq. Select military awards and qualifications include the Bronze Star Medal, Airborne Wings, and Ranger Tab. After his military service, Jack worked in Boston in various finance positions including as the CFO of business unit segments for a publicly traded insurer.

He is involved in various charitable endeavors, including organizing an annual Daddy-Daughter Dance in Tampa, serving on the foundation board for Johns Hopkins All Children’s Hospital and raising money for wounded veterans.


Robert R. CurtisRobert R. Curtis serves as Senior Vice President, North Alabama Market Executive for Community Banking. Curtis provides market leadership, promoting all the skills of the experienced staff and resources of the various lines of business to bring the Cadence Bank brand to market in North Alabama. Curtis works closely with commercial and middle market clients to develop and execute highly specialized financial solutions, augmented by sophisticated treasury management services and other integral corporate banking products and services.

During a diverse thirty three year career in the financial services industry, Curtis has served in various roles, including Retail Banking Management, Private Banking Management, Wealth Management and Insurance, as well as leadership and executive level positions in Retail Banking, Commercial Banking and General Bank Administration.

Curtis holds a Bachelor of Science degree in Business Administration from Athens University and an Executive Banking Diploma from The Stonier Graduate School of Banking at Georgetown University. Actively involved in industry organizations and the community, Curtis has served as state President of the Alabama Young Bankers Association and Chairman of Ambassadors for the Huntsville / Madison County Chamber of Commerce.


Lori N. UnderwoodLori N. Underwood is the Vice-President-Director of Finance. She began her career at Wildwood Electronics, Inc. in an administrative support position at the date of incorporation on June 10, 1983. During her thirty-eight year employment at Wildwood, Lori served in several accounting and management positions, eventually accepting her current position as vice-president in 1999. At that time, George T. Norwood, Jr., company founder, resigned his position as president to facilitate the transition of leadership to the current executive management team. Additionally, Lori serves as the Vice-President and Secretary of the Wildwood Electronics, Inc. Board of Directors.

 Lori takes pride in her leadership role at Wildwood Electronics, Inc. and her contribution to the many years of successful operations of the business. Working closely with a very long-tenured management team, Wildwood Electronics, Inc., a Women Owned Small Business (WOSB), has been recognized on many occasions for its role in delivering complex electronic hardware in an extremely competitive defense and space arena. Wildwood has been recognized by various organizations within the manufacturing and business industry during their long history. A couple of the most coveted awards include being selected by the Alabama Manufacturing Association as a Small Business of the Year in 2007, and selected by the Boeing Company as a Supplier of the Year in 2006.

A native of Huntsville, AL, Lori received her Bachelor’s of Science in Business Administration degree with a major in Accounting from the University of Alabama in Huntsville in 1989.



*Cadence Bank does not provide legal, accounting or tax advice to any client who receives trust services from Cadence Bank.

This podcast is provided as a free service to you and is for general informational purposes only. Cadence Bank makes no representations or warranties as to the accuracy, completeness or timeliness of the content in the podcast. The podcast is not intended to provide legal, accounting or tax advice and should not be relied upon for such purposes. To the extent that this podcast includes predictions about the economy, these predictions are subject to a number of variables and you should confer with your legal, accounting and tax advisors for their input regarding the possible outcomes of any economic subject matter discussed herein.


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