The best bankers don't just lend money. They help build lives.

Hazem and Mack sit down with Integrity Bank Chief Lending Officer and founding team member Judy Budnik to trace a 40-year banking career that began next door to a small-town Louisiana bank president, wound through Frost Bank, a wedding-day job offer, and Houston National Bank, and ultimately came full circle at Integrity Bank, exploring real estate lending, community banking philosophy, what it takes to go from renter to owner, and why the relationships you build outlast any transaction.

To learn more about Integrity Bank, go to itx.bank.

Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts!

Key Takeaways

1. Judy's path into banking started in Lafayette, Louisiana, where her next-door neighbor, a local bank president, modeled what it looked like to help businesses get off the ground and advised her to pursue a finance degree, get her master's, and move to Houston for greater opportunity.

2. She arrived in Houston in the late 1980s planning to stay a few months, started at Frost Bank under mentor Mike Moser in the special assets department, and received her first offer from Mack Neff at the steps of her own wedding ceremony in 1993.

3. Early experience with problem loans and special assets shaped her preference for real estate lending, where collateral is more stable and the long-term value of property often becomes a borrower's most important financial asset, even when their core business is something else entirely.

4. Community banking, in Judy's view, is fundamentally about education: helping clients understand their cash flow, structure their financials, and find paths to ownership through tools like SBA loans, equity partners, and lease add-backs when they do not yet have 15 to 20 percent down.

5. Joining Integrity Bank was a full-circle moment, filling a real market void left by consolidation and giving her a chance to close out her career the way it began: spending real time with customers, mentoring younger bankers, and watching families and businesses grow across generations.

Timestamped Overview

00:00 Banking on Integrity intro
00:31 Mack introduces Judy Budnik as a founding team member of Integrity Bank
01:01 Growing up next door to a bank president in Lafayette, Louisiana
02:20 Moving to Houston, joining Frost Bank, and meeting mentor Mike Moser
03:41 Receiving a job offer from Mack Neff at the steps of her wedding
04:34 How Mack recruited Judy to Houston National Bank in 1993
05:43 Moving from credit analyst to lender and building a real estate focus
07:33 Judy's role as Chief Lending Officer and her skill at making deals bankable
08:10 How Integrity Bank evaluates cash flow, collateral, and multiple repayment sources
09:12 The education component of community banking and smart use of leverage
10:17 Why real estate often becomes an entrepreneur's most valuable long-term asset
11:25 The advantages of owning your business location rather than renting it
12:22 What borrowers need to qualify: financials, tax returns, and equity injection
13:42 SBA loans, family equity partners, and other paths when 15 percent is out of reach
14:21 How Integrity Bank stretches the box while staying disciplined as a lender
15:27 Watching clients' families grow and why generational relationships define the career
16:31 How new clients find Judy and what the first conversation looks like
17:13 Houston's industry diversity and why it makes community banking endlessly exciting
19:08 Judy as a teacher inside the bank and why mentorship matters
20:06 Why she chose to join a brand new institution rather than stay at an established one
21:20 Full circle careers, mentorship, and the meaning of two-generation client relationships
23:02 Banking consolidation, displaced bankers, and Integrity Bank's opposite trajectory
24:22 The story of housing Integrity Bank's Chief Risk Officer for six months
25:18 What that act of generosity says about Integrity Bank's culture and family spirit
26:09 Recognizing the 175 shareholders who took the risk to fund the vision
27:07 Closing thoughts, how to reach Judy, and why if you know her, you know Integrity Bank

The best bankers don't just lend money. They help build lives.
Hazem and Mack sit down with Integrity Bank Chief Lending Officer and founding team member Judy Budnik to trace a 40-year banking career that began next door to a small-town Louisiana bank president, wound through Frost Bank, a wedding-day job offer, and Houston National Bank, and ultimately came full circle at Integrity Bank, exploring real estate lending, community banking philosophy, what it takes to go from renter to owner, and why the relationships you build outlast any transaction.
To learn more about Integrity Bank, go to <a href="https://www.itx.bank/">itx.bank</a>.
Subscribe to Banking on Integrity on <a href="https://podcasts.apple.com/us/podcast/banking-on-integrity/id1809270239">Apple Podcasts</a>, <a href="https://open.spotify.com/show/6hUwt34fVZynVGwtnt2aos">Spotify</a>, or wherever you get <a href="https://omny.fm/shows/banking-on-integrity/playlists/podcast">your podcasts</a>!
Key Takeaways
1. Judy's path into banking started in Lafayette, Louisiana, where her next-door neighbor, a local bank president, modeled what it looked like to help businesses get off the ground and advised her to pursue a finance degree, get her master's, and move to Houston for greater opportunity.
2. She arrived in Houston in the late 1980s planning to stay a few months, started at Frost Bank under mentor Mike Moser in the special assets department, and received her first offer from Mack Neff at the steps of her own wedding ceremony in 1993.
3. Early experience with problem loans and special assets shaped her preference for real estate lending, where collateral is more stable and the long-term value of property often becomes a borrower's most important financial asset, even when their core business is something else entirely.
4. Community banking, in Judy's view, is fundamentally about education: helping clients understand their cash flow, structure their financials, and find paths to ownership through tools like SBA loans, equity partners, and lease add-backs when they do not yet have 15 to 20 percent down.
5. Joining Integrity Bank was a full-circle moment, filling a real market void left by consolidation and giving her a chance to close out her career the way it began: spending real time with customers, mentoring younger bankers, and watching families and businesses grow across generations.
Timestamped Overview
00:00 Banking on Integrity intro 00:31 Mack introduces Judy Budnik as a founding team member of Integrity Bank 01:01 Growing up next door to a bank president in Lafayette, Louisiana 02:20 Moving to Houston, joining Frost Bank, and meeting mentor Mike Moser 03:41 Receiving a job offer from Mack Neff at the steps of her wedding 04:34 How Mack recruited Judy to Houston National Bank in 1993 05:43 Moving from credit analyst to lender and building a real estate focus 07:33 Judy's role as Chief Lending Officer and her skill at making deals bankable 08:10 How Integrity Bank evaluates cash flow, collateral, and multiple repayment sources 09:12 The education component of community banking and smart use of leverage 10:17 Why real estate often becomes an entrepreneur's most valuable long-term asset 11:25 The advantages of owning your business location rather than renting it 12:22 What borrowers need to qualify: financials, tax returns, and equity injection 13:42 SBA loans, family equity partners, and other paths when 15 percent is out of reach 14:21 How Integrity Bank stretches the box while staying disciplined as a lender 15:27 Watching clients' families grow and why generational relationships define the career 16:31 How new clients find Judy and what the first conversation looks like 17:13 Houston's industry diversity and why it makes community banking endlessly exciting 19:08 Judy as a teacher inside the bank and why mentorship matters 20:06 Why she chose to join a brand new institution rather than stay at an established one 21:20 Full circle careers, mentorship, and the meaning of two-generation client relationships 23:02 Banking consolidation, displaced bankers, and Integrity Bank's opposite trajectory 24:22 The story of housing Integrity Bank's Chief Risk Officer for six months 25:18 What that act of generosity says about Integrity Bank's culture and family spirit 26:09 Recognizing the 175 shareholders who took the risk to fund the vision 27:07 Closing thoughts, how to reach Judy, and why if you know her, you know Integrity Bank

Explore the heart of Houston's business community with Banking on Integrity, brought to you by Integrity Bank. Join founders Hazem Ahmad and Mack Neff as they interview local entrepreneurs, sharing their journeys of success, overcoming challenges, and driving Houston forward.

Explore the heart of Houston's business community with Banking on Integrity, brought to you by Integrity Bank. Join founders Hazem Ahmad and Mack Neff as they interview local entrepreneurs, sharing their journeys of success, overcoming challenges, and driving Houston forward.

Banking on Integrity

Banking on Integrity is your inside look at Houston's thriving entrepreneurial scene. Hosted by Integrity Bank's Hazem Ahmad and Mack Neff, this podcast features inspiring interviews with local business owners, offering valuable insights and lessons for anyone looking to succeed in business.

Banking on Integrity is your inside look at Houston's thriving entrepreneurial scene. Hosted by Integrity Bank's Hazem Ahmad and Mack Neff, this podcast features inspiring interviews with local business owners, offering valuable insights and lessons for anyone looking to succeed in business.