D. Shay Pendygraft

Shay Pendygraft is a commercial lender and special assets manager for UTG, Inc. and First Southern Bancorp. He has been involved in the banking industry since 1997, working for various community banks and as an auditor for Bankers Service Corporation. Mr. Pendygraft has been with UTG/FSB since 2005 and currently manages a commercial loan portfolio and other real estate holdings located throughout the southeastern part of the country.