GBC Leadership

Annie Pan joined Guaranty Bank of California (now GBC International Bank) in September 1993 as Vice President & Branch Manager. She was promoted to Senior Vice President & Regional Manager in January 1995, and later to Executive Vice President and Marketing Group Manager in January 2002. In her current role, Ms. Pan oversees the bank’s marketing and business development activities, including retail banking, asset-based lending, trade finance, and the bank’s EXIM Bank and SBA guaranteed lending programs.

With over four decades of banking experience, Ms. Pan brings a strong combination of branch operations leadership and commercial lending expertise. She has extensive experience in structuring complex loan transactions and providing strategic financial solutions to clients, particularly in asset-based lending and international trade. She works closely with commercial borrowers to tailor financing structures that support business growth while maintaining prudent credit risk standards. In addition to her management responsibilities, she serves as a member of the Asset-Liability Committee (ALCO) and the Loan Committee, where she plays a key role in credit evaluation, risk management, and deal structuring.

Ms. Pan began her banking career in 1982 as a management trainee with Los Angeles National Bank. She joined American Asian Bank in 1985, which later merged with Security Pacific Asian Bank in 1986, where she served as Assistant Branch Manager. Following subsequent mergers into Security Pacific National Bank and later Bank of America, she was promoted to Assistant Vice President and then Vice President & Branch Manager. In this capacity, she managed a branch with over $110 million in deposits and consistently ranked among the top-performing managers in the region, demonstrating strong leadership in both branch operations and lending performance.

Ms. Pan holds a Master of Science degree in Clinical Psychology from the University of California, Los Angeles (UCLA).

Calvin began his career with GBCIB in 2009 as a Credit Analyst in Los Angeles and relocated to San Jose with the acquisition of a bank branch in 2012. His tenure in Northern California led to the formation of a regional lending team with relationship managers, credit analysts and associates that embodied a culture of compassion and resilience supported by respect for one another, all pillars of GBCIB’s guiding principles.  

In 2016, Calvin returned to Los Angeles where he played a key role in the bank, serving as Senior Vice President, Strategy Officer and Credit Administration, overseeing the development and execution of the Bank’s strategic plan which included systems upgrades, process improvements, new products, internal engagement initiatives, and short and long-term growth strategies. He also serves as a member of Director Committees in the areas of Credit, Loan, Audit, HR, BSA, ALCO, and CRA, and as Audit Committee liaison to the Board of Directors. 

Calvin earned his B.A. in Economics and a Minor in Management from University of California, Irvine. He graduated from ABA Stonier Graduate School of Banking School at the University of Pennsylvania.