Robert K. Johnston


3636 Glen Oak Way


(859) 272-4049

Lexington, KY 40514


Professional Experience  |  Positions Held  |  Education  |  Professional Memberships



  • Senior Vice President and Senior Loan Officer for $50 million asset bank.
  • C.E.O. Mortgage Banking Corporation.
  • Second Officer of a Service Corporation with $130 million commercial mortgages per annum.
  • Second Officer of a bank with $50 million in assets.


  • Developed and budgeted a division income of 4.827 million dollars.
  • Supervised personnel, security, new accounts, marketing new products, investments, and lending in branches of a bank having the highest growth rate in the state.
  • While increasing bank's own portfolio, I developed and implemented the Secondary Mortgage Departments for two separate banks.
  • Managed a $60 million bank portfolio as well as Secondary Market Operations (original portfolio $20 million).
  • Directed staff of 67 including 14 officers.


  • Supervised Commercial and Residential mortgage originations, processing, commitments, closings, sales and deliveries.
  • Produced Commercial and Residential appraisals and reviewed appraisals completed by others.
  • FHA Fee Appraiser
  • Loan sales to FNMA, FHLMC, Insurance Companies, Banks and Savings and Loans.
  • Supervised P.C. "Swaps".
  • Originated SBA loans and performed as a SBA Certified Consultant.
  • Approved FNMA and FHLMC Underwriter.
  • Generated loan participation sales.
  • Assigned lending line of $250,000.
  • Largest construction/permanent loan completed - $28 million.
  • Conceptualized and developed first FNMA Satellite program in the United States.


1992 - Present

Johnston & Associates, Financial Consultants, Lexington, KY
Strategic Planning, Due Diligence, Contract Assignments, Commercial Underwriting and Commercial Brokerage.

1985 - 1992

First Security National Bank (1.35 billion), Lexington, KY
Vice President and Manager of Non-Conforming Mortgage Loans

1983 - 1985

Ohio Financial Service Corporation, Columbus, OH
Managed All Lending Operations.
Vice President and Second in Command

1978 - 1983

First Security National Bank (980 million), Lexington, KY
Bank Portfolio of 60 million (increase of 40 million).
Vice President and Mortgage Banking Department Head

1969 - 1978

The Midwest Bank, Jackson, MI
Start-up Bank Assets 50 million - Fastest Growing Bank in MI.
Senior Vice President, Senior Loan Officer and Second Officer of Bank



  • Indiana University - Real Estate Major and Finance Minor
  • Northwestern University Graduate - The School of Mortgage Banking
  • Ohio State University - Senior Construction Lending
  • Various seminars and conferences relating to management, finance, sales training and negotiating skills.
  • University of Kentucky - Computer Science Studies



  • Lexington Mortgage Banks (Past Director)
  • Lexington Real Estate Board
  • Chamber of Commerce
  • Lexington Home Builders Association
  • Masonic, Scottish Rite and Shrine (Officer)
  • Real Estate Brokers License
  • Optimists Club (Treasurer)


  • Kentucky Mortgage Bankers Association
  • Kentucky Bankers Association
  • Kentucky Real Estate Board
  • Kentucky Home Builders Association


  • Mortgage Bankers Association of America (Member of Three Committees)