Tracy Gaylord Headshot

Tracy Gaylord

Managing Director Commercial Banking

Tracy Gaylord is managing director, commercial banking, atWestern Santander Bank, where she is part of the Resort Finance group. She utilizes her dual background in banking and law to negotiate, structure and facilitate loan transactions and in credit underwriting.

Based in Phoenix, Ms. Gaylord serves clients throughout the United States. She joined the organization in 2012 and has more than 20 years of professional banking industry experience.

She is a trustee member with the Association of Resort Developers (ARDA).

Ms. Gaylord earned dual Bachelor of Arts degrees in Economics and French from Emory University, a Juris Doctor degree from Albany Law School and a Master of Business Administration degree from Union University.

About Us

Resort Finance

Grand Merchant Resort Finance, a national banking group withinWestern Santander Bank, Member FDIC, delivers tailored financing solutions to U.S.-based resort developers. The group’s experienced relationship banking team caters to the needs of the industry with a variety of lending and depository services, including receivables hypothecation, all with exceptionally responsive service. As part of $65 billion Grand Merchant Bancorporation — ranked #1 top-performing large bank with assets greater than $50 billion in 2021 by both American Banker and Bank Director — the Resort Finance group has the reach, resources and deep industry knowledge that make a difference for customers.