s the founding principal of SVEJDA and Company, Inc., Terrance Svejda is a recognized authority in the area of profit enhancement for community financial institutions. He and his consulting firm have performed profit enhancement studies at over 900 banks and savings and loan associations. These projects include financial institutions throughout the United States. Profit Enhancement Programs have also been done for banks in Central America, South America, and the Caribbean. He has also authored a three volume set of books on profit enhancement for banks.

Mr. Svejda started his banking career with First National Bank of St. Paul (Minnesota) in 1972 as a systems and operations research analyst. The bank was over $1 billion in assets at that time and had an internal department of eleven staff members who served as internal operations "consultants" and analysts. During the course of his eight years at First National Bank of St. Paul, Mr. Svejda developed an operations earnings enhancement program for its correspondent banks.

A native of Iowa, Mr. Svejda graduated from Iowa State University with a Bachelor of Science degree in Math (with honors) and a Masters degree in Statistics. While working full-time at First National Bank of St. Paul, he acquired a law degree (Juris Doctor degree, graduating cum laude) from William Mitchell College of Law in a four-year program.

During 1980-1983, Mr. Svejda owned a private law firm and consulting practice for banks. However, the business of consulting won the future direction of his career. The time had come in 1983 to begin to refine the Profit Enhancement Program for banks and savings and loans. Mr. Svejda developed this area of consulting at two established bank consulting firms during 1983-1985. In 1985, Mr. Svejda started his own consulting firm with two other partners, headquartered in Memphis, Tennessee. Since that time, partners have changed as the company grew, expanding into many other states. The Company moved to Orlando, Florida, in 1988, then moved in 1993 to Lake Mary, Florida (a suburb of Orlando).

For more than twenty years, Mr. Svejda has focused his efforts on the development and ongoing refinement of the Profit Enhancement Program for financial institutions.

Mr. Svejda has been a speaker on the topic of profit enhancement opportunities for banks at many bank conventions and conferences.
   

Matt Svejda has been employed with Svejda and Company, Inc. since 1992. Matt is the primary data analyst for both the SVEJDA Profit Enhancement Program and the Contract Cost Reduction Service.

He has a Bachelor of Science Degree in Accounting from the University of Central Florida and a Master of Business Administration Degree from Nova Southeastern University.

Office Manager, Gloria deKeyzer, has been associated with the banking industry since 1988, first working with American Savings Bank in Annandale, Virginia and then working with Svejda and Company, Inc. since July, 1997.

Gloria was born in Texas, but spent most of her teenage and early adult years overseas. She moved first to Stavanger, Norway at the age of 14 with her family, where she completed her high school education at Stavanger American School. She then went on to complete a two-year business course where she received the Commercial Studies Award.

Gloria married Ian (a British native) in 1978 and moved to the Middle East, living in countries, such as Saudi Arabia, United Arab Emirates, and Qatar. While living in the Middle East, Gloria, worked as an Office Manager for Balfours, International and Asla Enterprises, A/S (both engineering firms located in United Arab Emirates and Qatar).

Gloria and her family made the move to the United States in 1987. Initially they moved to Fairfax Station in Northern Virginia where she went to work for Ameribanc Savings Bank as Executive Assistant to Senior Vice President of Real Estate Finance, and then onto Sonitrol as Office Manager responsible for Accounts Receivable.

In 1996, Gloria moved to the Orlando area with her family, and after some settling in, started her employment with Svejda and Company, Inc. in July, 1997.

Sandra Martin has been employed with Svejda and Company, Inc. since 1992. Sandy conducts the marketing surveys for the SVEJDA Profit Enhancement Programs.

Prior to this time Sandy worked for several financial institutions, gaining experience as a branch manager and as a regional manager for loan originations, related sales and services. Her loan experience includes consumer, commercial and real estate loans.

Sandy lives with her husband, Mike, and children in the Orlando area.