Cheryl Houchens

Cheryl Houchens currently serves as Merchants Bank’s Compliance Officer and is responsible for ensuring the Bank’s compliance with state and federal regulations.  In addition, she also serves as the Bank’s CRA (“Community Reinvestment Act”) Officer and oversees their lending, investment, and service participation in community development programs.  Cheryl has 25 years in banking experience in both community and regional sized banks.  Her experience includes retail operations; consumer, residential, and commercial lending and analysis; credit administration; regulatory compliance; and operations management. 

Cheryl has well-established connections in the Vermont business, banking, and non-profit communities.  She holds a Bachelor of Science degree from the University of North Carolina in Business Administration and is a Certified Regulatory Compliance Manager through The Institute of Certified Bankers.