Our Team


William R. Nicholson, President

William R. Nicholson has over 35 years of commercial, mortgage and investment banking experience. Prior to joining Heritage Capital Group, (www.heritagerealtycapital.com) Mr. Nicholson spent 15 months with BSE Management, a private equity firm focused on acquiring failed banks. In this role he managed the due diligence and bank target processes. At Heritage Mr. Nicholson concentrates on M&A advisory assignments, commercial real estate, capital raising, debt placement and litigation support.

Since 2003, Mr. Nicholson has headed up his own firm, WRN Financial. The company focuses on litigation support to attorneys in real estate/banking disputes, strategic consulting regarding real estate finance and lending, and executive search for bankers.

After retiring from Bank of America at the end of 2002, Mr. Nicholson was a managing director for Chatsworth Securities. While at Chatsworth, he worked on project financings for homebuilder and apartment clients of the firm. He also was involved in acquisition, divestiture, and advisory assignments with private real estate companies.

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  • Quentin Kapke

    Mr. Kapke has 30 years of banking experience, as well as 7 years of working for the State of Florida as an Examiner in charge of examinations in the southern region from 1973 through 1980. Following his position with the State of Florida, Mr. Kapke joined Barnett Bank, in Ft. Lauderdale, as Vice President in the Commercial Real Estate division. He later moved to Lakeland, Florida with Barnett as the Senior Vice President in charge of Commercial Real Estate.  [read more]

  • Elizabeth H. Taylor

    Elizabeth H. Taylor has 28 years of experience in real estate development and construction finance. Prior to joining Heritage Capital Group, she worked as a small business consultant - primarily to local banks and construction-related businesses. Ms. Taylor provided portfolio review for financial institutions and also, worked with small business owners to assess and consult on business viability and reorganizing and restructuring business operations. [read more]


  • Roger L. Fee

    Roger L. Fee has 40 years of experience in commercial and real estate banking. Prior to joining WRN Financial, he served in several senior executive positions during his 25 year tenure with Bank of America and Banc of America Securities, primarily in the Real Estate Banking Group. His banking experience is broad, ranging from successful leadership in large corporate, middle market (C&I), commercial real estate, small business, residential mortgage lending, and retail banking.   [read more]

  • Edward L. Mowat

    Edward. L. Mowat is a mortgage professional with over 29 years of experience in real estate lending, underwriting, portfolio management, due diligence, and loan workouts.

    Prior to joining WRN Financial, Mr. Mowat was a Wholesale Underwriting Manager with FBC Mortgage from 2000 to 2016. He was responsible for managing an underwriting department that was responsible for $900 million in annual closed loans. From 1995 to 2000 he served as the Underwriting Director with Tucker Federal Mortgage and oversaw the underwriting process for the Wholesale and two Retail divisions.   [read more]


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