Before serving as a founder and incorporator of MCB, Mr. Crites was Senior Vice President/Eastern Caribbean Region Credit Officer of FirstBank Puerto Rico. Prior to that, Mr. Crites was President and Chief Executive Officer of First Virgin Islands Federal Savings Bank from 1992 until 2000. He was a Managing Agent for the Resolution Trust Corporation from 1990 to 1992, and Vice President for Chemical Bank New Jersey from 1987 until 1990. Mr. Crites' banking career began in 1973 with the Chase Manhattan Bank, N.A. He has been active in U.S. Virgin Islands business and civic activities for over 35 years. His activities have included, serving as President and Vice President of the Virgin Islands Bankers Association, President of the Institute of Teaching and Learning, Treasurer of Harmonic Lodge #356, Director of the Center for Independent Living, President and Secretary of the Rotary Club of St. Thomas, President and Chairman of the Board of Trustees of Antilles School, Inc., Campaign Chair for United way of St. Thomas/St. John, and Director for the Virgin Islands Council of the Boy Scouts of America.In the public sector, Mr. Collens served as the Commissioner of Finance for the Government of the Virgin Islands, Executive Director of the V.I. Public Finance Authority, Chief Financial Officer of the V.I. Port Authority, and Executive Assistant Commissioner of Finance between April 2008 – December 2018. In addition, after the devastating back-to-back Category 5 hurricanes of September 2017, Mr. Collens served as the Governor’s Authorized Representative (GAR) for the U.S. Virgin Islands, which required significant interaction with the Office of the President of the United States, U.S. Congress, Federal Emergency Management Agency (FEMA), Housing and Urban Development (HUD) and U.S. Economic Development Administration (USEDA).Mr. Collens earned his M.B.A. from the Harvard Business School in 1998 and has been a New York State Certified Public Accountant for more than 25 years. Mr. Collens is a native of the Virgin Islands and has resided in St. Thomas for the past 18 years.