Caroline Taylor

Caroline Taylor is a senior financial services executive and the Chief Lending Officer at M&F Bank, where she leads the bank’s lending strategy and oversees commercial origination and the SBA line of business. With more than 25 years of experience in Small Business and SBA lending, she is known for building high‑performing, compliant lending organizations that deliver sustainable growth, operational efficiency, and strong portfolio performance. Her leadership is grounded in practical execution, regulatory fluency, and disciplined risk management.

Before joining M&F Bank, Caroline served as Senior Vice President and Head of SBA Lending at Regions Bank, where she led national SBA strategy, rebuilt and expanded production teams, and delivered significant year‑over‑year growth in lending volume and revenue while maintaining exceptional credit quality. She is widely recognized as a subject matter expert in SBA lending, regulatory compliance, and risk management, and is a frequent speaker for national industry organizations.

Previously, Caroline held multiple senior leadership roles at Capital One, including National Head of SBA Lending and Director of Small Business Credit Underwriting. In these roles, she established and scaled SBA platforms, launched innovative franchise and small‑dollar lending initiatives, and oversaw portfolio growth exceeding $300 million.

Caroline serves as an Executive Board Member of NAGGL, is an active member of the Technical Committee, and co‑chairs the Disaster Relief Committee. She previously served on the Board of Directors for the North Carolina Bankers Association. She holds a Bachelor of Arts in Political Science from North Carolina State University and has completed advanced leadership and commercial credit programs through Wells Fargo and the University of Virginia Darden School of Business. She remains deeply committed to community involvement and mentorship.