Fire truck parked in a fire station.

UNITED
FINANCIAL

Meet the Team

The team at United Financial, a division of HomeTrust Bank, has more than 80 years of combined experience working with municipal governments and agencies in North Carolina, South Carolina, Tennessee, and Virginia. Find out more about our municipal finance team and get started today.

Bill Ammons

Bill Ammons

Senior Vice President, Director of Municipal Finance

My primary focus in life is to use whatever skills, experience, and intellect I have been blessed with, to be a resource to others. My vision is to establish a long term relationship with each client that I encounter; not just make them a loan. I feel that we should always strive to provide value added components to each customer engagement and keep our focus on enabling the customer to understand that their aspirations & projects are important to us, too! I am proud to say that many of our clients have been with us over 20 years.

CLIENT FOCUS: I strive each day to creatively structure the resources of the Municipal Finance Division into innovative products that will enable our client base to acquire the equipment and facilities they need to efficiently serve the communities they are charged with protecting both now and in the future.
EXPERIENCE: I began my career with 5 years in Commercial Banking. After which I left banking to work at a data analysis firm, Dun & Bradstreet. I then took a position as a CFO of a nationwide wholesale distribution company, followed by 29 years as President of my own municipal finance firm, before joining HomeTrust.
EDUCATION: Montreat Anderson College, UNCA (Economics)
AFFILIATIONS:

Founding Member of a WNC Volunteer Fire Department. Founding Member of the WNC Entrepreneurial Council, Board of Directors WNC Entrepreneurial Council 1984-1986, North Carolina Delegate to the 1986 White House Conference on Small Business, North Carolina Delegate to the 1995 White House Conference on Small Business. Served for 12 years on the Board of Directors of Asheville Christian Academy. Served in various positions at Arden Presbyterian Church; including Deacon, (2 Terms), Elder, (3 Terms) Sunday-School Teacher (5 Years) Junior-High Youth Leader (7 Years).

John M. Tench

John M. Tench

Senior Vice President, Municipal Finance

Municipal clients call us for a variety of reasons. Often they are excited about purchasing new apparatus or equipment, constructing a new building, or expanding an existing facility. Supporting their vision to better serve their communities is the driving force behind what we do. 

I strive to create solutions where the customer is at the center of the transaction. By listening to what the client wants to achieve, we distinguish ourselves from other financial providers.

CLIENT FOCUS: I enjoy serving volunteer fire departments, local and state government, as well as first responders by providing custom tailored finance plans that meet their needs for today as well as into the future.
EXPERIENCE: 35 years of lending experience.
EDUCATION: B.A. from Grove City College. Graduate of the Banking School of the South @ LSU
AFFILIATIONS:

Haywood Chamber of Commerce, Executive Board Member (Past Chairman) & Chairman of the Legislative Committee.

Haywood County Economic Development Commission, Executive Board Member, Chairman of the Investor Relations Committee

The United Way of Haywood County, Board Member (Past Chairman)

The Mountain Discovery Charter School, Board Member

Cheryl Burleson

Cheryl Burleson

Municipal Finance Specialist

I take great pride in working for our customers, the volunteers and professionals who serve our communities so diligently.  It is my goal to build long lasting relationships by understanding my customer’s specific needs and deliver excellent customer service.

EXPERIENCE: 25 years in finance and banking
EDUCATION: Houghton College, BS: Business Administration/Communications
AFFILIATIONS:

Arden Presbyterian Church

Jeff Kluttz

Jeff Kluttz

Municipal Finance Specialist

I strive to be a person of high integrity and character, respectful, reliable and faithful in my life as well as my work. I aim to deeply understand the needs of my clients so I can offer them solutions that will exceed their needs.

CLIENT FOCUS: Boards and leaders of municipal organizations, including fire, police, EMT departments, and schools.
EXPERIENCE: 34 years as a client services specialist in financial services, advertising / marketing / public relations agency and commercial printing professions.
EDUCATION: Studied Fine Art / Commercial Art at East Carolina University; AA Degree in Communication Arts from Pitt Community College in NC.
AFFILIATIONS:

Veritas Christian Academy, Trinity Church of Fairview