David Polevoy, Executive Vice President

David Polevoy joined CUBS in 2008. He has evaluated hundreds of commercial real estate loan requests and has worked with borrowers across numerous industries and property types. David combines personal experience in commercial real estate with experience in business operations and finance for a unique skill set that helps our borrowers, brokers and credit unions close loans that facilitate mutual success.

David received his undergraduate degree in Aerospace Engineering from the University of Colorado and received an MBA from the Darden School of Business Administration at the University of Virginia. He is a member of REGA, represents CUBS as a Board Member for the Boys & Girls Club of Gwinnett County, and is a Member of the Georgia State University Department of Real Estate Honorary Board.

Holly Melnyk, Director Commercial Underwriting

Holly joined CUBS in 2016. She is responsible for underwriting commercial mortgages. This includes in depth financial analysis, evaluation of the borrower’s capacity to repay their financial obligations, risk assessment and credit presentation. Holly brings more than 25 years of financial services expertise to CUBS. Previously she worked for a large financial institution where she specialized in commercial loans and treasury and cash management services.

Suzanne McCoy, Commercial Loan Administrator

Suzanne McCoy began her career with Excel Federal Credit Union in 1997 and was promoted to her current position with CUBS in 2006. As the Commercial Loan Administrator, Suzanne manages the collection of all required underwriting and closing documents beginning with the commitment letter through post-closing. Additionally, she orders and processes the environmental reports and appraisals and other pre-closing requirements and acts as liaison between attorneys, borrowers, brokers and agents. Suzanne has supervised the closing of approximately $300 million in commercial property loans cooperatively funded by credit unions or sold in the secondary market. Prior to joining Excel FCU, Suzanne worked for eleven years at the Davenport Bank, Davenport, Iowa in various positions in both the savings and loan areas.

Thomas Hayden, President at Excel Federal Credit Union

Thomas Hayden’ position as President Excel Federal Credit Union, allows him to use his decades of executive experience to further develop the credit union into a leading provider of financial services throughout the membership base. During his 28 years in finance, almost all of it in Florida, Mr. Hayden has developed and executed strategic plans, built executive teams and driven business results. He understands banking at every level, from loan origination to underwriting, market expansion, product development, wealth and treasury management, and member service. There are many opportunities for the credit union to grow in the Atlanta Market, and Mr. Hayden wants to be sure that Excel helps members take advantage of them. Every time the credit union does, members realize their dreams, and communities grow even stronger.

Gary Nalley, CEO at Excel Federal Credit Union

Gary Nalley has more than thirty years of experience in the financial services industry as the President and Chief Executive Officer of Excel Federal Credit Union based in Norcross, Georgia. In 1993, Gary founded his first credit union service organization, Credit Union Financial Services (CUFS), to assist credit unions in offering first mortgages to their members. Since its formation, CUFS has grown to over $100 million in assets and serves as a residential mortgage loan processor, seller and servicer for over forty-five credit unions in Georgia, Alabama, and North Carolina. In addition to his role as EXCEL’s CEO, Gary oversees both CUFS and CUBS’ operations and supervises the underwriting of all commercial credit requests while assisting partner credit unions and brokers with lending decisions.

Gary received his BA in Business Management from Mercer University in Macon, Georgia.


Lin Hodges, CEO at Associated Credit Union

Denise Swan, CEO at GEMC Federal Credit Union

Terry Hardy, CEO at MembersFirst Credit Union

Marshall Boutwell, CEO at Peach State Federal Credit Union