Jay Lucas Director of Credit Services

[P] 404.420.5737
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Background & Experience

Jay is a graduate of the University of Georgia school of Banking. He has also attended banking programs at Wake Forrest University and received formal commercial cash flow training at the University of Alabama Birmingham, sponsored by various National Banking Institutions. Prior to joining PKM in 2015, Jay served as the Director of Credit Risk for a $1.8 Billion National Bank overseeing a significant distressed loan portfolio and assisting in the resolution and sell-off of virtually all its banks assets. With over 20 years of experience in the banking industry, Jay has extensive knowledge in Risk Management, Organizational Restructuring, Commercial Lending, Business Finance, and Senior and Executive Level Management. He has been involved in multiple due diligence projects over the course of his career, including several mergers and acquisitions. Jay worked as a contract Investigations Manager for the FDIC where he performed in-depth financial investigations and expert loan reviews for both bank and regulatory violations. During this time, he traveled across the U.S. assisting in various financial industry related matters and worked closely with Regulatory, Federal and Government agencies on $6 billion in receiverships.


  • University of Georgia, School of Banking

Organization Involvement

  • North Cobb Civitan
    • Founding Board Member
    • 2007 Member of the Year

Hobbies & Interests

In his free time, Jay enjoys camping, hunting, fishing and traveling with his family.