Tom Austing has worked in commercial banking since 1996, specializing in Washington-based government contractors, treasury management products and services, and commercial credit underwriting. As a portfolio manager for Sandy Spring Bank’s Government Contractor Banking Group, Austing focuses on credit quality analysis and underwriting new lines of credit and term loans, which support clients’ contract revenue growth and help finance fixed assets and office properties. He also assists clients in maintaining compliance with their corporate accounts by conducting periodic financial reviews. As a past instructor for the Veteran Institute for Procurement (VIP), Austing works with Frank Merendino, team leader for the Government Contractor Banking Group, to deliver meaningful commercial banking instruction classes to US veteran-owned small businesses. His “veteran-centric” passion continues in his banking group, which includes a large number of veteran-owned firms.