Anne Kelley FraySenior Executive Vice President / Chief Credit Policy Officer
Anne Kelley Fray is BankFIRST's Senior Executive Vice President and Chief Credit Policy Officer, and has been employed with the bank since 1996. She is responsible for overseeing all lending functions and Credit Policy for the bank.

Fray is a native of Southern Maine and originally came to Florida in 1979 to attend Rollins College. Upon graduation with a BA in Mathematics/Business, she went to work for Barnett Bank of Central Florida and rose to the position of Senior Vice President in charge of a Commercial Banking team for the Central Florida Region. During her tenure with Barnett, Fray received her MBA degree from the Crummer School of Business, and Graduated with Distinction from the Stonier School of Banking at the University of Delaware.

A graduate of both Leadership Orlando and Leadership Winter Park, Fray is the Past Chair of the Winter Park Health Foundation and a Past President of the Winter Park Rotary Club. She is currently on the Crummer School Board of Overseers, the Florida Hospital Corporate Board of Directors and the Board of Directors for WMFE. Previously, she has served on the Board of Directors of the Winter Park Chamber, The American Diabetes Association, and the Rollins College Alumni Board. She received the 'Community Leader' award from the Winter Park Chamber of Commerce in May 2007.

Fray has two children, Billy and Jimmy, ages 17 and 12.