Sammantha Ray

Sammantha Ray is an accomplished banking professional with extensive experience in credit analysis and management. Currently serving as SVP Credit Officer and SBA Administrator at Kitsap Bank since July 2016, Sammantha previously held positions as VP Credit Officer and AVP Credit Officer within the same institution. Prior experience includes roles at Northwest Bank as AVP, Assistant Relationship Manager, and at Regal Financial Bank where responsibilities encompassed support for a significant commercial loan portfolio and credit underwriting. Additional experience includes positions at Whidbey Island Bank as a Commercial Credit Analyst, CityBank as a Construction Loan Assistant, and earlier roles at City Bank. Sammantha holds a Bachelor of Arts in Business Administration with a focus in Finance from Washington State University and completed the Pacific Coast Banking School program between 2019 and 2022.