Mr. William M. Yarbenet, also known as Bill, has been the Chief Credit Officer and Senior Vice President of United Security Bancshares and United Security Bank since July 2013. Mr. Yarbenet serves as Chief Credit Officer and Senior Vice President at United Security Bank. Mr. Yarbenet served as an Executive Vice President and Chief Credit Officer at Heritage Oaks Bank, a subsidiary of Heritage Oaks Bancorp. from January 30, 2012 to June 25, 2013. He has 25 plus years of experience in the banking and financial services industry, including a solid background in credit, finance and treasury management. Mr. Yarbenet served as Executive Vice President and Chief Credit Officer at PremierWest Bancorp. and its subsidiary PremierWest Bank from August 2009 to January 31, 2012. Prior to joining PremierWest, Mr. Yarbenet held various positions of increasing responsibility at Merrill Lynch & Co., including serving as Treasurer, Chief Financial Officer and Chief Credit Officer for Merrill Lynch Bank & Trust Co., one of Merrill's two domestic banking subsidiaries. Mr. Yarbenet also served as Chief Credit Officer for The Goldman Sachs Group, Inc. from 2004 to 2009, where he developed the credit infrastructure and managed credit risk for a de novo bank which rapidly grew to be one of the largest in the state of Utah. Mr. Yarbenet holds an MBA degree from Rutgers University and a B.S degree in Economics from Allegheny College.