Name: Todd Hoch
Age: 31
Position: Vice president, business banking, Bank of America
First job: Newspaper delivery, Chicago
Favorite pastime: Racquetball, basketball, beach

"We provide business financing without the need of businesses to provide financial statements," Hoch said. The program, Advantaged Business Credit, relies on the borrower's history of making payments, rather than financial statements, he said.

Hoch joined Bank of America in Hawaii four years ago, after working for First Hawaiian Bank and Tokai Bank in San Diego, Calif.

He was born in Illinois and moved to Hawaii in 1985 to attend the University of Hawaii, where he earned a bachelors degree in business administration/finance.

Hoch is a director of the American Cancer Society in Honolulu, and a member of Small Business Hawaii and the Building Industry Association of Hawaii.