our team member
Chairman, International Bancshares Corporation
Chairman, International Bancshares Corporation
As the principal architect behind the unprecedented growth of International Bancshares Corporation and International Bank of Commerce, Dennis E. Nixon is widely recognized as one of the nation's leading banking authorities and executives. Since joining IBC in 1975, Nixon has been instrumental in International Bancshares Corporation's ranking as the largest minority-founded bank organization in the United States, one of the largest independent banks in Texas and Oklahoma. Nixon's knowledge in all areas of banking was pivotal in the development of IBC's extensive acquisition and expansion efforts. The IBC family of banks has assets of $16 billion with 167 full-service branches and 257 ATMs throughout the 75 communities in Texas and Oklahoma that IBC serves.
IBC's strategic development designed by Nixon and his leadership team is best summed up in the company's credo, "We Do More." The bank's outstanding growth and consistent performance with Nixon at the helm is what sets it apart from other institutions.
Internationally, Nixon was instrumental in the passage of the North American Free Trade Agreement. In May of 2008, IBC was recognized with the United States-Mexico Chamber of Commerce's Good Neighbor Award for the bank's contribution to the passage of NAFTA on its 15th anniversary. That "Good Neighbor" tribute describes Dennis Nixon's career-long economic development efforts along the Texas/ Mexico border and highlights his work toward goodwill, close ties and binational prosperity between the U.S. and Mexico.
His track record of helping small businesses grow and expand, spans more than four decades. His "We Do More" attitude has driven him to bring border residents and communities together because he knows that communities can't move forward unless they move together. That's why he helped create and start advocacy organizations like the Association of South Texas Communities, Texas Border Coalition, Border Trade Alliance and the Alliance for Security and Trade, to name a few. During his tenure on the board of the U.S. Chamber of Commerce, he was the only director from the southern border of the United States, providing a unique and special perspective to the Chamber's legislative agenda and advocacy efforts. Nixon is currently a member of the U.S.-Mexico CEO Dialogue, an elite group of U.S. and Mexican chief executives whose members address core issues in the bilateral relationship between the two countries. The Dialogue is an initiative of the U.S. Chamber of Commerce, of which Nixon is a former member of the board of directors.
As the largest inland port in the United States, Laredo plays a vital role in the international trade arena, and Nixon has been at the helm of those issues his entire career. From his role in the passage of NAFTA, to his steadfast support of U.S. Customs and Border Protection efforts, to his promotion of smarter, more efficient borders, Nixon is the tireless advocate that mayors, business leaders and trade officials look to for guidance, direction and leadership. Nixon has written and spoken on the importance of immigration reform and is considered by many as a leading expert on immigration issues.
His myriad of civic involvements, awards and recognitions include the Junior Achievement Business Hall of Fame Award, the Paul Harris Fellow Award given by Rotary International for outstanding community service, and the Eleanor Roosevelt Humanities Award given by the State of Israel for outstanding services to humanity. In 2006, Dennis Nixon was inducted into the prestigious Texas Business Hall of Fame. In 2007, he was elected to serve on the board of directors of the United States Chamber of Commerce, and in 2008 he received the International Citizen Award from the World Affairs Council of San Antonio. He was selected to be the recipient of the Mr. South Texas 2010 honor by the Washington's Birthday Celebration Association. In 2016, Nixon and his wife received the Distinguished Community Service Award from the Chabad Center for Jewish Life and Learning at their annual L'Chaim Event in San Antonio, Texas. In 2018, Nixon received the Distinguished Business Leader Award by the Texas Association of Business.
Dennis Nixon is a member of the Texas Business Leadership Council, a statewide network of CEOs and senior business executives who advance a long-term vision of a prosperous Texas in a globally competitive business environment. Nixon currently serves as a senior member on the Board of Visitors of M.D. Anderson Cancer Center in Houston, Texas.
Nixon is a graduate of the University of Texas. He is married to Elma "Bavi" H. Nixon, and has three children: Denise Nixon Bunk, Jonathan A. Nixon and Kristina E. Nixon Netzer; and five grandchildren, Samantha Rose Bunk, Charles Davis Bunk, Jonathan Dennis Nixon, Sebastian Rolf Nixon and Olivia Katherine Netzer.
While "doing more" is the credo and guiding principle of International Bank of Commerce (IBC), it is also the personal foundation of IBC -Imelda Navarro as the President of Retail Banking oversees the sales and operations of the Company's 167 branches in Texas and Oklahoma.
Navarro's success is the result of extraordinary dedication to the organization, as she has committed her entire forty year career to service within the IBC family. Navarro's leadership experience grew from unheralded yet inspirational origins. She was only 16 when she began working at IBC as a file clerk in conjunction with a vocational program offered through Laredo's J.W. Nixon High School. After completing the program, she continued working for IBC on a part-time basis while earning her Bachelor of Business Administration, majoring in Accounting at Laredo State University.
Over the next two decades, with a solid work ethic and commitment to advancement, Navarro earned respect in the male dominated banking business and firmly established herself as an "up and comer" in the financial industry. After graduating from college, Navarro continued to gain knowledge of IBC's accounting and operations divisions and learned all the facets of personal and commercial banking. When IBC began to grow dramatically during the 1980's and 1990's, she saw her responsibilities evolve to include financial accounting, human resources and bank operations.
In 2017, Navarro, a 43-year veteran of IBC Bank-Laredo, was promoted as the first woman president in the bank's history. In addition to her duties as president, Navarro continues serving as Chief Financial Officer and Chief Operating Officer for IBC Bank, directing the administrative functions of the bank.
Navarro has served extensively her community, the state of Texas and International non-profit and professional organizations. She currently serves as a member of the Mercy Ministries Development Council. She has been a past member of Laredo's Third Party Funding Committee. She has also been on the board of the Laredo Center for the Arts and has served as its chairperson. She has served as President of TAMIU Alumni, Laredo Business Professional Women's Association, Financial Women International, and the Domestic Violence Coalition. Additionally, Navarro is a former director of the Laredo Chamber of Commerce and has served on the Board of the Laredo Commission for Women and on the Advisory Board for Mercy Regional Medical Center.
In April 2005, Hispanic Business Magazine named Imelda Navarro as one of its outstanding women leaders and later that same year, it recognized her as one of the 100 most influential Hispanic women in the country. In 2009, she was named one of the Top 25 Hispanic women in the United States. Since then she has received several recognitions: Junior Achievement of Laredo, Mustang Legend from J.W. Nixon High School, Tejano Achiever by the LULAC Council and in 2015 Dama De Oro by Las Damas de la Cultura de Oro.
Governor Greg Abbott recently appointed Imelda Navarro to the Governor's Commission for Women. The commission serves as a liaison between Texas women and government agencies, along with private organizations addressing women's needs. Navarro will serve through the end of 2020.
Judith Wawroski serves as the Executive Vice President and Chief Accounting Officer of Corporate Financial Accounting at IBC Bank and the Treasurer and Chief Accounting Officer for International Bancshares Corporation, providing accounting support to all banks and non-bank subsidaries of the Corporation.
She joined IBC Bank in 1992 on a part-time basis while attending The University of Texas at Austin where she obtained a bachelors degree in accounting. After graduating she came onboard as a full-time staff accountant in 1996 at IBC Bank-Laredo and worked her way up through the ranks. She later earned a Masters of Professional Accountancy from Texas A&M International University.
Wawroski brings over 25 years of banking experience to her roles where she oversees all functions completed by the financial accounting department, including the management of all financial regulatory filings for the bank and holding company. She also functions as the primary coordinator and manager of the financial internal and external audits of the bank and holding company.
Her high degree of knowledge of banking policies, procedures and processes allows her to effectively manage any necessary changes to policies and procedures to ensure compliance with U.S. Generally Accepted Accounting Priniciples (GAAP), as well as regulations promulgated by the Securities and Exchange Commission, Federal Deposit Insurance Corporation, Internal Revenue Service, Texas Department of Banking and Oklahoma Department of Banking.
Wawroski demonstrates great leadership inside the bank as well as in the community, where she serves as the president of the board of Casa de Misericordia in Laredo and treasurer of the Laredo Little Theatre. Casa de Misericordia (CASA) offers battered women the chance to reclaim their lives through comprehensive, holistic services and consistent long-term support, providing secure, temporary residential services to victims of domestic violence. As president of the board, Wawroski ensures that CASA provides the best service possible to its clients while remaining compliant with all federal and state laws and in compliance with the use of funds the organization obtains through grants or funding. She has also held leadership positions in various other organizations, including Leadership Laredo, the Laredo Center for the Arts, the Laredo Women's Commission, and the March of Dimes.
In her personal time, Wawroski enjoys spending time with her husband, John Addison, and their daughter, Jacqueline Frances.
Expanding trade with Mexico has been a priority to IBC Executive Vice President, Guillermo R. Garcia for over four decades. Serving as IBC's director for international business development, Garcia continues to do what he's done for years: connect the financial needs of clients on both sides of the border. Having traveled extensively throughout Mexico for many years, Garcia has developed a large portfolio of international customers and continues to manage longtime domestic customer relationships. He understands Mexican trade and is able to assist with financial needs needed by customers in the U.S. and global marketplaces.
Garcia is a welcome and trusted resource for Mexican entrepreneurs and industries. His expertise at putting dreams and plans in touch with opportunities and success has been his trademark since joining IBC in 1968. Since then, he has served IBC in different capacities, including Assistant Vice President, Vice President/ Consumer Loan Officer, and Department Head and Senior Vice President and Executive Vice President. Garcia is responsible for International Customer Relations, a program which sets IBC apart from other financial institutions. He has learned the goals and the prospects of personal and commercial banking on both sides of the border. Garcia shares his exceptional customer service skills with his staff of trained professionals.
Garcia continues to provide customers and prospects with the "IBC Experience," Garcia shares management responsibilities on the bank's Executive Loan and Senior and Executive Management Committee.
Among his many business and banking studies, Garcia is a graduate of the Commercial Lending School at the University of Oklahoma. Demonstrating his interest and ability at developing more than International Trade, Garcia is a past director of the Border Olympics Association and the International Good Neighbor Council. He is a longtime member of the Membership Committee of the Laredo Country Club. Most recently, Garcia was recently honored by the Texas Banker's Foundation with the coveted 50 Year Banker Award and was amongst 25 honorees that were recognized for more than 50 years of service to the banking industry.
Since joining IBC Bank in 1989, Rosie Ramirez's role and her department have increased dramatically. In her 30 years in Human Resources she's seen the bank go from 500 employees, including one payroll clerk, to more than 3,000 employees and an entire department dedicated to human resources, including payroll, benefit administration, employment relations, Human Resource Compliance and training.
Now an Executive Vice President, Ramirez manages all human resources and training throughout the bank's two-state footprint. The biggest change she has seen during her career in Human Resources is its progression from "afterthought" to "strategic imperative."
Ramirez lives the bank's "We Do More" philosophy by serving on the board of the United Way of Laredo. She is also a past president of Financial Women International and a member of the Laredo Business and Professional Women's Association and Leadership Texas.
The Laredo native earned her Bachelor of Arts degree in Psychology at the University of Texas. She has two children, Nicholas Ramirez and Amanda Leigh Ramirez.
As a key resource to IBC Bank's international customers, Mr. Schwebel offers special expertise in international trade and finance, industrial/economic development and transportation.
Widely regarded as a leading expert on international trade and finance, Mr. Schwebel frequently represents IBC Bank and its customers with top government and business leaders in the United States, Mexico, and Canada. His knowledge and unique overview have led him to present expert testimony before Congress on issues regarding U.S.-Mexico trade including the United States, Mexico, Canada Trade Agreement (USMCA) and the former North America Free Trade Agreement (NAFTA), transportation and logistics, international finance, and U.S. immigration reform. Mr. Schwebel's perspectives on various topics related to international trade, economics, and banking have been featured in some of the major business publications in the U.S., Canada and Mexico.
Mr. Schwebel joined IBC Bank after distinguished service in the United States Army where he served as an Artillery Officer in Germany and the Republic of Korea. Additionally, he held administrative positions in various fields including higher education, food services, media, and the securities industry. Mr. Schwebel became the Corporate International Division Head of the Bank in 1996 overseeing all of IBC Bank's international banking services. In addition, he directs the bank's investments/wealth management program known as IBC Investments Services and serves as a Board Member for IBC Insurance Agency.
A regular speaker—in both English and Spanish— Mr. Schwebel is a valuable resource to the bank and its customers on trade, transportation and US-Mexico relations including the United States, Mexico, Canada Trade Agreement (USMCA/NAFTA). His many affiliations and leadership positions include the 1993 National Chairman of the Border Trade Alliance (BTA); 2011-14 Chairman of North America Strategy for Competitiveness (NASCO), a tri-national trade coalition that advocates for competitiveness through logistics, transportation infrastructure, security, energy and skilled workforce.; Bi-National Director of the U.S.-Mexico Chamber of Commerce; Member of the Transportation, Logistics and Infrastructure Committee of the U.S. Chamber of Commerce (USCOC); Member of the U.S.-Mexico Foundation C26+ Working Group; Member of the Texas Secretary of State's Border Trade Advisory Committee (BTAC) and Member of the Texas Freight Mobility Committee. Currently, he serves on the Executive Committee and Board of Directors of the I-69 Alliance of Texas; IH 27 Advisory Committee; the Texas Transportation Institute Advisory Council of Texas A&M University; as well as the Ports/Transportation Advisory Committee of Texas Lt. Governor Dan Patrick.
Most recently, Mr. Schwebel serves as a member of the U.S. Chamber of Commerce's U.S.-Mexico Economic Council (USMXECO), an organization that serves as a platform for both the U.S. and Mexico private sectors to work together in the creation of innovative solutions for shared policy challenges, which leads to boosting growth and creating jobs across North America. It stems from the U.S.-Mexico CEO Dialogue which was established in 2013 by the U.S. Chamber of Commerce and Consejo Cordinador Empresarial of Mexico (CCE) as a bilateral private sector forum that fosters conversations on key economic and trade issues impacting the relationship of the United States and Mexico. He is actively involved in the Trade Policy Working Group and the Customs and Trade Facilitation Working Group.
Mr. Schwebel is also actively involved in the U.S.-Mexico Foundation's C26+ Working Group addressing key issues impacting North America's competitiveness.
In addition to these achievements, he also serves as Chairman of the Regional Advisory Council of the University of Texas System Academic and Research Center at Laredo; Member of Board of Advisors of the Texas A&M International University A.R. Sanchez School of Business; and Member of the Webb County Area Health Education Council. Other past leadership positions include Past-President of the Laredo Development Foundation, the Laredo Country Club, and the Laredo Philharmonic Orchestra.
Furthermore, he has served as Board of Directors for local and state non-profit organizations such as United Way of Laredo, Laredo Chamber of Commerce, International Good Neighbor Council, Doctors Hospital of Laredo, American Red Cross and many others. His extensive service and leadership in these areas of interest have earned him numerous awards and recognitions in both the U.S. and Mexico. Most notably, he has been recognized for his service to the communities of Laredo, Texas and Nuevo Laredo, Tamaulipas as a Paul Harris Fellow by the Rotary International Foundation and the Gateway Rotary Club of Laredo in 2015 and the Club Rotario de Nuevo Laredo in 2009.
In 2013, Mr. Schwebel was the recipient of the "Advancing International Trade Award" by the National Association of Small Business International Trade Educators (NASBITE) due to his efforts in promoting international trade. In addition, Mr. Schwebel was bestowed the "Impact Award" by the Laredo Community College Economic Development Center in 2015 for his contribution to enhance the economic and social development of Laredo. In 2019, Mr. Schwebel was the recipient of the Russell H. Perry Award from the Texas A&M Transportation Institute, Texas Department of Transportation and the Texas Good Roads/Transportation Association for his leadership in gaining public awareness of the need for and benefits of adequate highway transportation facilities in the State of Texas. In December 2020 Mr. Schwebel was presented with the Asociación de Empresarios Mexicanos (AEM) San Antonio Legacy Award for his continuous support and significant contributions to the international business environment. Most recently, in May 2022, Mr. Schwebel was inducted into the Junior Achievement South Texas Business Hall of Fame.
Mr. Schwebel earned his undergraduate degree at Texas A&I University of Laredo (now Texas A&M International University) where he has been recognized as a "Portrait of Latino Achievement" by the Smithsonian Institute. He has done graduate work in the fields of International Trade and Banking at Texas A&M International University, the University of Texas, Texas A&M University, and the Stonier Graduate School of Banking at the University of Delaware.
Mr. Schwebel and his wife, Olinda, enjoy traveling and spending time with their grandchildren in Texas.
As Commercial and International Loan Officer at IBC- Laredo, Nativido Lozano III has been a fundamental part to the progress of the bank for over 20 years. His constant dedication to improve performance of the institution has resulted in growth of his loan portfolio and deposits. Despite his many responsibilities, Lozano constantly brings new ideas and suggestions that help increase the productivity and profitability of the bank. Therefore, he is part of the bank's Sales Council at corporate level. Attracting and developing new human talent for the company is one of the latest areas of focus.
Nativido Lozano began at IBC as a Commercial Credit Analyst in 1995, and has a Bachelor of Business Administration in Accounting and graduated with honors Summa Cum Laude from the University of Houston. In 2003 he graduated from the South Western Graduate School of Banking program at Southern Methodist University in Dallas.
As a person committed to his community, Lozano has participated in the Chamber of Commerce as Chairman of the Board. He also participated on the board of the National Bankers Association, Logistics & Manufacturing Association, Asociación de Empresarios Mexicanos and was the president and Chairman of the Board of the Laredo Development Foundation. He is currently a member of the Board of Directors of Laredo Motor Carriers Association. Through his experience at the bank and the various business organizations, he has acquired valuable knowledge in real estate investments, international trade, industrial and economic development, transportation and distribution.
Eliza V. Gonzalez brings nearly four decades of banking experience to her role as Investment Relations Officer at IBC Bank. In addition to investment relations, Gonzalez is head of various corporate divisions including wire transfer, accounts payable, trust and employee benefits.
Since starting her IBC career in 1980 as a secretary in the accounting department, Gonzalez has served in a number of positions in various departments, giving her a deep and far-reaching understanding of banking from both legal and customer perspectives.
Gonzalez is a past president of the Boys and Girls Clubs of Laredo and currently serves on the board as a lifetime director. She has also served as past president of both the Laredo and Texas chapters of Financial Women International and the Laredo Business and Professional Women's Association. She has been on the boards of both the Girl Scouts South Texas Council and the Webb County Chapter of the American Red Cross. She is also an alumni of the 1996 Leadership Texas class.
Gonzalez and her husband, Javier, have been married since 1984. They have two children and three grandchildren.
As president and CEO of IBC Bank - Corpus Christi, Gustavo A. Barrera oversees the entire Corpus Christi region, which includes nine area branch locations in Corpus Christi, Rockport, Sinton, Portland and Aransas Pass. With more than 26 years of community banking experience, Barrera's knowledge and expertise have contributed to the overall growth and success of the Corpus Christi region and business community.
Barrera began his career at IBC Bank as a credit analyst in the commercial credit department in 1995. Shortly after, he was promoted to credit manager and bank officer. During his time as credit manager, Barrera continued to move up the ranks and was promoted to assistant vice president. In 2002, Barrera was promoted to vice president and embarked on his lending career as a commercial lender. In 2008, Barrera was promoted to first vice president and head of the Sales and Retail Group for the Corpus Christi region, while maintaining his lending duties. In 2011, Barrera was promoted to senior vice president and in May 2021 was promoted to executive vice president.
In keeping with the IBC philosophy of "We Do More," Barrera also dedicates his time and efforts to numerous community organizations in the Coastal Bend. He currently serves as board chair for the Art Museum of South Texas, treasurer for Catholic Charities of Corpus Christi, Inc. and Mother Theresa Shelter, Inc., and is a member of the board of directors for the Texas A&M University-Corpus Christi National Alumni Association. He has served on numerous boards, including Mary McLeod Bethune Day Nursery, Inc., and is past president of the Kiwanis Club of Corpus Christi.
Barrera received his Bachelor of Business Administration in Accounting & Finance from Texas A&M University-Corpus Christi. He is married to Jaime Nodarse Barrera and has three sons, Alejandro, David and Santiago.
Lee Reed graduated high school from Huron High School in Ann Arbor, Michigan. To finance his college education, Reed enlisted in the U.S. Army. After basic and MOS training at Fort Benning, GA, Reed served the remainder of his enlistment serving in the 1st Division, 16th Infantry Regiment in Europe for two plus years. While in the Military, Reed was promoted to CPL/Squad Leader and made the E-5 (Sergeants List).
After attending the University of Texas at Brownsville and Texas Southmost College (now the University of Texas Rio Grande Valley and a public community college, respectively), Reed transferred to the University of Texas San Antonio where he received his bachelor's degree in Finance.
Reed's first job out of college was with IBC Bank - Brownsville when the bank had only $150 million in assets. He started in the Accounting/Operations area, then transferred to the newly formed Credit Department as an Analyst and Assistant Manager. Within two years, Reed became the Credit Manager. He performed all functions in the department and established many of the processes and procedures that the bank still uses today.
Reed has worked hard to help IBC "Do More" for its customers and community. Aside from traditional commercial banking activities, one of the unique programs Reed developed and manages (and is proudest of) the bank's equity investments in affordable housing. Under this program, the bank has invested over $150 million in equity and provided over $500 million in loans and commitments to fund affordable housing units for the communities IBC serves.
Today, Reed is a proud husband and father of three boys, an Executive Vice President, the Bank's CRA Officer, and a Board Member/Director for IBC Brownville. Reed believes in serving his community. He has served in multiple capacities as a Director, Treasurer, and/or Chairmen of various community boards to include the Brownsville EDC, Brownsville Children's Museum, Rio Grande Valley Partnership/Chamber (Current Chair), Rio Grande Valley Partnership Foundation (Chair Elect), Workforce Solutions of Cameron County (Past Chair), Rio Grande Valley Multibank (Current Chair) and the Community Loan Center (Past Chair).
Bill Schonacher is the president and CEO of IBC Bank-Oklahoma. With 30 years of banking experience, more than half of it with IBC Bank, Schonacher is a seasoned banking veteran who brings a deep understanding of commercial lending, business services, and retail banking to the Oklahoma market. In his current role as president and CEO, he directs all aspects of the bank's network across the state of Oklahoma and North Texas. This includes locations in Oklahoma City, Tulsa, Lawton, and the Dallas Metroplex.
Schonacher was named the CEO of IBC Bank-Oklahoma in June 2014, previously serving as president of IBC Bank's Tulsa Region since 2004. His expertise and vision enhance IBC Bank's role in the state's growth in oil and gas exploration, construction, manufacturing, and business services.
Community involvement is a key component of IBC's "We Do More" philosophy which Schonacher supports through his significant volunteer efforts. Currently, Schonacher serves as the Chair Elect of the State Chamber of Oklahoma, Chair of the State Chambers Research Foundation, a National Trustee of the Boys and Girls Clubs of America, Commissioner on the State of Oklahoma Judicial Nominating Commission, and a Board Member of the Greater Oklahoma City Chamber of Commerce, The United Way of Central Oklahoma, and the Oklahoma Hall of Fame. He has previously served as the Vice Chair of the Board of Investors of The Tobacco Settlement Endowment Trust, past president Tulsa Ballet, Executive Committee member of Allied Arts, Steering Committee of Forward OKC IV and V, a three-time vice chair of the Tulsa Metro Chamber, a two-time past president of the Jenks Public Schools Education Foundation, and an Advisory Director of the Tulsa Metro Chamber of Commerce.
Schonacher earned his liberal arts degree from the University of Kansas. He and his wife Lynne have been married 32 years and have four grown children and one grandchild.
Kyle McElvaney is the President of the Oklahoma City region of IBC Bank-Oklahoma. With more than 16 years of community banking experience, McElvaney extends great value to the Oklahoma business community. The Oklahoma City native has spent his entire career with IBC Bank.
McElvaney was named President of the Oklahoma City region in January 2017, previously serving as Executive Vice President of IBC Bank - Oklahoma. He currently oversees the day-to-day operations of the commercial lending department in Oklahoma City. His expertise strengthens IBC Bank's market presence as he specializes in commercial and energy lending.
Staying in line with IBC Bank's cornerstone of Doing More for the communities it serves, McElvaney is extremely active in various organizations throughout his hometown. He is an Executive Council Member for the Oklahoma Sports Hall of Fame, an active member of the Greater Oklahoma City Chamber of Commerce, and a top contributor to the annual Total Resource Development Campaign (TRDC). In addition, Kyle is a passionate advocate for education and healthy living.
McElvaney earned his Bachelor's Degree in Finance at the University of Oklahoma. He and his wife Lindsey have been married for 11 years and reside in Oklahoma City with their two children.