Leadership Team ¬

Rohit Dewan serves as President and Chief Executive Officer for Nelnet Bank. He brings two decades of proven leadership in financial services and lending as an operator, regulator, and investor.

He previously served as Senior Managing Director at OneMain Financial, where he held roles across General Management, Strategy, and Public Policy. Prior to joining OneMain, Mr. Dewan served as a Program Manager for the Consumer Financial Protection Bureau, and he spent nearly a decade in equity research and asset management focused on banking and specialty finance, before entering government service.

He earned a bachelor’s degree in economics from Johns Hopkins University and holds the Chartered Financial Analyst designation.

Julie Buchholz serves as Chief Operations Officer for Nelnet Bank, where she leads the operational risk function for both lending and deposit product and partnerships. She also oversees loan servicing, affiliate management, and the bank’s marketing function. As the bank’s Community Reinvestment Act (CRA) officer, she is responsible for compliance with the CRA program and strategic plan.

She brings decades of leadership experience from Comenity Capital Bank, GE Capital Bank, GE Healthcare, and NBC media properties. Ms. Buchholz is known for cultivating strong engagement with associates, regulators, nonprofits, and community stakeholders.

She serves on the board of trustees for Utah Community Action.

Chris Davis serves as the Chief Technology Officer for Nelnet Bank, bringing more than 30 years of experience across web development, data, nonprofits, and financial services. In his role, he guides engineering, infrastructure, and technical operations with a focus on innovation, resilience, compliance, and putting people first.

His career includes leadership roles at Nationwide Financial and The Rawlings Group, and he’s deeply experienced in software development, banking innovation, and regulatory collaboration. Davis holds a B.S. in Information Technology, an M.S. in IT Management, and an M.A. in Organizational Leadership, along with certifications in cloud, agile, and project management.

A dedicated hybrid athlete, he’s completed 12 marathons—driven by the same passion and endurance he brings to technology leadership.

Cindy Fulton-Serrano serves as Chief Financial Officer and Treasurer for Nelnet Bank. She is an accomplished finance executive with over 25 years of experience. Before joining Nelnet Bank, she served as Senior Vice President of Finance and Accounting for Cabela’s/World’s Foremost Bank.

At Nelnet Bank, Ms. Fulton-Serrano provides leadership and oversight for financial planning and reporting, capital management, asset/liability and liquidity management, interest rate risk, stress testing, allowance for loan loss reserves, funding strategy, and internal controls over financial and regulatory reporting. She also serves as the primary contact for the bank’s external auditors.

She serves on the Finance Committee of the United Way of Lincoln and Lancaster County.

Mark Kilchenstein serves as Chief Risk Officer for Nelnet Bank. He brings more than 30 years of experience in consumer lending across a broad range of products and risk profiles, with a career primarily focused on risk management and supported by senior operational leadership roles.

Kilchenstein began his career at MBNA America, where he supported credit card and unsecured personal loan portfolios. He later held executive leadership roles at Dell Financial Services, OneMain Financial, and Mercury Financial, with responsibilities spanning credit oversight and capital markets risk.

He graduated cum laude from the University of Delaware with a bachelor’s degree in finance and marketing. Dedicated to giving back, he and his wife are active in fundraising efforts for Blood Cancer United, the March of Dimes, and the American Heart Association.

Mike Dunlap serves as Chairman of Nelnet Bank and is actively involved in strategic planning and bank management. With over 35 years of experience in education finance and two decades at Union Bank & Trust, he brings deep expertise across all areas of banking operations, including securitization, hedging, and investment oversight. Mr. Dunlap is a member of the Executive Committee and resides in Nebraska.

Tim Tewes is Vice Chairman of the Board for Nelnet Bank. He played a key role in the bank’s formation, staffing, and operational launch, and continues to support executive leadership. Mr. Tewes brings 16 years of progressive experience from Wells Fargo Bank Nebraska, where he oversaw 33 branches and more than $3 billion in assets. He is a member of the Executive Committee and resides in Nebraska.

Carine Strom Clark is a seasoned software executive with a strong track record of leading global enterprise companies through innovation and customer-focused strategies. She is the CEO of First Colony Mortgage and the Chairman of the Board for Domo, Inc. (DOMO). Her past roles include President and CEO of Banyan, President and CEO of MaritzCX, and SVP and CMO at Symantec. Ms. Clark serves on the Audit Committee and resides in Utah.

Connie Edmond brings over 30 years of experience in finance, accounting, and business strategy. She currently serves as President and CEO of E&L Associates and previously held executive roles with WRL CPA, CUCVS, and MFYUC. Ms. Edmond also co-authored a tax publication featured in USA Today, Kiplinger’s, and Money Magazine. She is Chair of the Audit Committee and resides in Nebraska.

Anthony (Tony) Goins is the Global Head of Enterprise Risk Management at Fiserv, where he leads enterprise-wide risk functions and strategic mitigation efforts. A career banker, Mr. Goins has led operations at JP Morgan Chase, USAA, Ford Motor Credit Company, and Key Bank. He previously served as Nebraska’s Director of Economic Development, securing over $8 billion in investments and more than 7,000 jobs. A U.S. Marine Corps veteran, he serves on boards for Blue Cross Blue Shield of Nebraska, Inceptia, and i3 Bank. Mr. Goins is a founding independent director of Nelnet Bank, Chair of the Risk and Compliance Committee, and resides in Nebraska.

Jaime Pack is a Senior Partner with Pack | Fey Real Estate Group and an Associate Broker affiliated with Christie’s International Real Estate. She previously held the position of Vice President at Zions First National Bank Premier Wealth Management. Ms. Pack resides in Utah.

Richard Morrin brings over 30 years of leadership in consumer finance, with executive roles at GMAC/Ally, Santander, and most recently as CEO of Aqua Finance. He holds a BS in Economics from the University of Pennsylvania and an MBA from the University of Virginia. Mr. Morrin has served on multiple nonprofit boards and is passionate about adoption-related causes. He is a member of the Risk and Compliance Committee and resides in Tennessee.