Banking on Integrity

Hazem Ahmed
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Explore the heart of Houston's business community with Banking on Integrity, brought to you by Integrity Bank. Join founders Hazem Ahmad and Mack Neff as they interview local entrepreneurs, sharing their journeys of success, overcoming challenges, and driving Houston forward.

  1. VOR 1 TAG

    How Family Dynamics Shape Business Success

    What are the challenges of maintaining company culture during rapid growth? Caroline Dwairy, a Houston native and board member of Integrity Bank, shares her story on Banking on Integrity. Raised in Houston, Caroline pursued medicine before transitioning to the business world. She joined her family's oil and gas company, witnessing its expansion from 60 to 300 employees.  Navigating growth involved maintaining company culture and adapting to an ever-evolving landscape. Caroline emphasizes the significance of personal touch in both banking and business.  Caroline reflects on her unique path, the role of women in leadership within male-dominated industries, and her contributions to Integrity Bank's success. Her dedication to finding value beyond titles resonates through her journey. To learn more, go to itx.bank. Subscribe on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. The podcast emphasizes the thriving entrepreneurial culture of Houston, highlighting how local business owners are spearheading innovation and growth. The hosts and Caroline underscore the importance of local banking in supporting these ventures. 2. Caroline Dwairy's career journey from aspiring doctor to lawyer and subsequently a successful businesswoman illustrates the importance of adaptability and openness to change. 3. Working in a family business presents unique challenges and opportunities. Caroline highlights the importance of earning respect through hard work and valuing relationships within the company, debunking the perception that family members have it easier. 4. Caroline discusses the challenges and opportunities for women in leadership roles, particularly in male-dominated industries like oil and gas. Her perspective underscores the importance of focusing on competence and contribution over gender. 5. Caroline, Hazem, and Mack stress the importance of personal relationships, customized services, and the agility of community banks in supporting local businesses and individuals effectively. Timestamped Overview 00:00 From Restaurants to Law Studies 06:01 Connected Company Culture 07:01 Caroline's Unique Professional Journey 11:40 Women Leaders in Oil & Gas 13:14 Pioneering Female Leadership Challenge 17:23 Small Banks Offer Personal Support 22:42 Tariffs Disrupting Supply Chain Economics 24:38 Adapting in Capitalistic Houston   See omnystudio.com/listener for privacy information.

    30 Min.

  2. 17. FEB.

    Navigating 50+ Years in Oil: Lessons from Gary Wooley

    More than fifty years in one industry changes more than résumés. Gary Wooley remembers growing up in post‑World War II New Orleans, finding his way into the oil fields, and unexpectedly discovering a love for teaching at LSU before moving into high‑stakes consulting and board service at Integrity Bank. Along the way, he’s faced the hard realities of risk, regulation, and politics, and he talks with Hazem and Mack about safety, banking, and what it really takes to grow a business. His story weaves together family, education, faith, community, and what it means to keep giving back over a lifetime. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Gary shares his path from a working-class family in New Orleans to an accomplished career in oil and engineering. His journey highlights the transformational impact of mentors (like Dr. Carver) and the importance of education, curiosity, and seizing opportunities that may arise unexpectedly. 2. The conversation reveals the vast breadth and depth of the oil industry, underscoring its essential role in the global economy and daily life. Despite environmental and political challenges, the discussion makes clear that oil remains irreplaceable as an energy source for the foreseeable future. 3. Gary emphasizes that protecting human life is the oil industry’s highest priority, particularly in light of disasters such as the Deepwater Horizon spill. The transcript drives home the significant risks present in oil extraction and the vital need for rigorous safety standards and accountability. 4. Through his experience as a bank director and entrepreneur,Gary stresses that strong banking relationships and financial literacy are crucial for small businesses, startups, and established companies alike. Banks play an indispensable role in guiding business owners to sound financial practices and sustainability. 5. Gary’s commitment to giving back—whether through his work with LSU, community involvement, or mentorship. The broader lesson is that a fulfilling career includes investing in the success and well-being of others, both professionally and personally. Timestamped Overview 00:00 Choosing Mechanical Engineering Path 03:52 Grad School Offer He Couldn't Refuse 09:12 From Bricklayer to Oil Career 11:50 Consultant Resolves High-Stakes Crises 13:41 BP Fallout and Deepwater Horizon 18:34 Oil Debate: Necessity vs. Transition 22:42 Banking: Crucial for Startups 24:10 Understanding Small Business Financing 29:14 Reflecting on LSU Achievements 30:08 Model of Integrity and F See omnystudio.com/listener for privacy information.

    31 Min.

  3. 10. FEB.

    Growing a Family-Owned Trucking Business: The Sunburst Truck Lines Story

    Trucks connect cities. Families fuel the connection. Shaun Leone shares how Sunburst Truck Lines grew from a single truck in 1988 into a company woven into Houston’s ports and railroads. He explains how strict regulations and insurance hurdles shape drivers’ daily reality, even as revenue grows 10–15% in most years. The Leone family now carries that success into the community by supporting local charities through the Sunburst Cares program. Learn more about Sunburst Truck Lines here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! 1. Shaun Leone described how Sunburst Truck Lines began as a family business in 1988 with just one truck, founded by his father. The story highlights the humble beginnings, perseverance, and gradual scaling of the company through hard work and family involvement. 2. The conversation explored the vital role trucking plays in the economy, especially through intermodal shipping and the transportation of container goods in and out of key ports. Shaun emphasized how trucking keeps supply chains running—even more visible since COVID-19. 3. After the unexpected passing of Sunburst’s founder, Shaun and his family committed to carrying the business forward, establishing accountability, and transitioning from running the business emotionally to managing it strategically. 4. The episode dove into the realities of fluctuating fuel costs, the struggle to find qualified drivers due to strict insurance requirements, and the escalating challenges (and costs) around commercial insurance policies. Safety and regulatory compliance are central to business sustainability. 5. Shaun Leone shared Sunburst’s commitment to giving back through local charities and their own Sunburst Cares foundation. The company is rooted in supporting its community and practicing integrity, which also connects to the founding principles of Integrity Bank. Timestamped Overview 00:00 Growing Interest in Container Shipping 05:48 Growing Trucking Business Success 08:07 Board Member's Dedication Acknowledged 11:34 Finding Purpose in Business 14:17 Market Expansion for Stability 16:56 Houston's Unique Role in Trade 22:02 Safety, Insurance, and Cost Balance 23:56 Sunburst's Community Impact Highlights 26:04 Family, Fun, and Togetherness   See omnystudio.com/listener for privacy information.

    31 Min.

  4. 3. FEB.

    Tenants First, Profits Follow: A Real Estate Lawyer’s Playbook for Industrial Success

    John Able joins Hazem and Mack to share his journey from a struggling student to a world-ranked competitive water skier, accomplished lawyer, and successful real estate investor. He discusses the lessons learned along the way, from early real estate calculations to building lasting partnerships with investors and tenants, and how persistence, adaptability, and family values have shaped both his career and life philosophy. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. John emphasizes the importance of determination and resourcefulness in overcoming challenges, such as dealing with learning differences (ADHD, dyslexia) and persevering through school and career obstacles. Success, he suggests, is less about natural aptitude and more about gritty persistence and creative problem-solving. 2. Maintaining engagement with passions, like water skiing forJohn, contributes to happiness, physical health, and a youthful mindset. Staying active and continually embracing change are highlighted as keys to healthy aging and sustained vitality. 3. John’s real estate success is attributed not only to business acumen, but also to the foundation of strong, trust-based relationships—with family, tenants, investors, and banking partners. He illustrates that people and partnerships, not just strategy or market timing, drive sustainable business results. 4. This conversation stresses the importance of ethics and good stewardship, especially when handling investors’ money. Openness during hard times, such as the Covid-19 crisis, and prioritizing others’ interests (tenants, investors) builds lasting trust and reputation. 5. Values and work ethic are passed down through generations, with John working closely with his children in business. Diversity in skills and perspectives among family members strengthens the organization, and a focus on legacy and teamwork shapes both family and business success. Timestamped Overview 00:00 Determination Through Challenges 05:28 Staying Youthful Through Passion 09:18 16-Year-Old's Real Estate Dream 11:04 First Real Estate Experience 16:05 Navigating a $16 Million Deal 18:39 Responsible Investment and Returns 22:33 Building Success Through Integrity 24:03 Trust, Partnerships, and Success 29:21 Max's Trust-Fueled Venture See omnystudio.com/listener for privacy information.

    31 Min.

  5. 16.12.2025

    Lessons from Successful Houston Entrepreneurs: Season One Finale

    Banking on Integrity closes season one with Hazem and Mack reflecting on eight months of conversations with Houston entrepreneurs, the mission of community banking, and what integrity really looks like in business and relationships. They share lessons from their guests, celebrate their growing team and customer trust, and look ahead to season two in 2026. Have a guest idea for season two? Contact us here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways Community banks play a vital role in Houston by knowing their customers personally, tailoring solutions, and keeping deposits working locally. Success is defined individually, but integrity, hard work, and moral character matter more than credit scores or balance sheets. Strong banking relationships focus on listening to owners’ goals, offering advice and introductions, not just loans and accounts. Houston’s consolidation of community banks is a concern, driving Mack’s goal to advocate for more de novo community banks nationwide. Season one guests modeled investing in others’ success, which Hazem and Mack see as the heart of banking and the purpose of the podcast. See omnystudio.com/listener for privacy information.

    37 Min.

  6. 09.12.2025

    Houston’s Emerging Entrepreneurs: How U of H Students Are Building Careers in Real Estate and Private Equity

    Juan Bustamante and Ralph Fady, business students at the University of Houston, join the podcast to share how they are reshaping the campus experience. Through leadership in real estate and private equity clubs, they build community, promote professional growth, and connect peers with Houston industry leaders. By taking part in internships and campus organizations, they prepare for impactful careers and help foster connections and practical skills among commuter students. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Engaging in specialized student organizations—such as real estate, private equity, and industry-focused clubs—provides students with fundamental career skills, exposure to industry professionals, and a pathway to discover and pursue their interests beyond traditional classroom experiences. Both Juan Bustamante and Rauf Fadi attribute much of their career direction and network to their club involvement. 2. The university has evolved significantly, investing heavily in infrastructure and campus life to shed its “commuter school” reputation, strengthen the student community, and attract more students to stay on campus.  3. The campus and surrounding areas are in constant development, including new housing and retail initiatives, but challenges remain, such as low supply of student housing and retail vacancies during academic breaks. As Juan Bustamante and Rauf Fadi observe, these trends present both obstacles and opportunities for students interested in real estate and urban development. 4. AI is both a concern and a tool for current students. While some worry about job security, forward-thinking students like Juan Bustamante and Rauf Fadi see AI as a way to boost personal efficiency and stand out professionally, embracing technology to enhance their analytical and operational capabilities. 5. Building relationships, seeking internships, and leveraging professional connections are essential for long-term success. Both guests emphasize that being proactive about making connections on and off campus plays a pivotal role in shaping their career trajectory and helps them envision owning their own funds or portfolios in development and real estate in a decade. See omnystudio.com/listener for privacy information.

    29 Min.

  7. 02.12.2025

    Multifamily Market Trends in Houston: What Investors Need to Know Now

    Feras Moussa joins the podcast to talk about how he went from his first four-plex on Westheimer to co-founding Disrupt Equity, managing thousands of units.  He credits the company's commitment to education, strong operations, and building high-performing teams for their success. Alongside real estate, he now helps investors diversify into small business acquisitions, always focusing on people and community. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Multifamily real estate investment requires not just finding deals and capital but successfully managing and operating properties, with execution being the main differentiator according to Feras Moussa. 2. Educating investors and being transparent builds trust and leads to better decisions, as demonstrated by Feras Moussa and his team’s focus on sharing knowledge and data. 3. Navigating the multifamily market’s challenges, like rising costs and shifting interest rates, takes active management, clear communication, and adaptability to change. 4. Diversifying beyond real estate through business acquisitions offers new opportunities, with Feras Moussa’s Equity Launchpad showing how education and creative deal-making help navigate this less structured space. 5. Building strong teams and networks allows entrepreneurs to scale and succeed across ventures, with partnerships and relationships being crucial to long-term growth. Timestamped Overview 00:00 Apartment Size and Townhome Trends 03:30 "Vision Excites, Execution Challenges" 09:31 Organizing a Consistent Meetup Framework 10:18 "Fair Deal Access for Investors" 13:24 "Balancing Risk in Property Deals" 17:26 "Net Operating Income Explained" 21:16 Diversifying Investments: Real Estate vs. Business 23:26 Educating Sellers on Business Exits 27:43 "Investor-Focused Cash Flow Strategy" 29:28 "Entrepreneur's Dilemma: Leadership Shift" See omnystudio.com/listener for privacy information.

    33 Min.

  8. 25.11.2025

    The Role of Accounting in Small Business Sustainability

    Rock Dawson, senior advisor at DRDA, joins Hazem and Mack to share how he leverages decades of business and manufacturing experience to help Houston’s small and medium-sized companies achieve sustainability and growth. Guided by the city’s resilient spirit, he emphasizes intentional planning, building strong relationships, and adapting to new technology. He aims to serve as the trusted board of directors that many business owners might not realize they need, offering practical guidance for lasting success. Learn more about DRDA here. To learn more about Integrity Bank, go to itx.bank. Subscribe to Banking on Integrity on Apple Podcasts, Spotify, or wherever you get your podcasts! Key Takeaways 1. Sustainability in business: Plan intentionally for the future and establish exit strategies from the start. 2. Adoption and impact of technology: Use technology deliberately and cost-effectively, focusing on quick wins and automation while maintaining strong human relationships. 3. Houston’s entrepreneurial culture: Benefit from a diverse, energetic, and community-driven environment that fosters innovation and resilience. 4. Importance of business relationships and networks: Build strong connections for client acquisition, growth, and problem-solving; organizations act as connectors to advance business. 5. Financial preparedness and exit planning: Keep accurate records from day one to stay adaptable and prepared for transition or sale. Timestamped Overview 00:00 Client Relationships and Shared Values 05:50 Business Success: Strategy and Teamwork 09:17 AI's Impact on Jobs 13:08 Houston's Growth and Resilience 17:04 Houston: Growth, Commerce, Opportunities 18:29 Consolidation's Impact on Small Businesses 21:47 Houston: A Connected Community 25:01 Small Business Financial Strategies 28:08 Start With a Clear Goal 31:21 Entrepreneurship Insights & Collaboration See omnystudio.com/listener for privacy information.

    33 Min.
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Explore the heart of Houston's business community with Banking on Integrity, brought to you by Integrity Bank. Join founders Hazem Ahmad and Mack Neff as they interview local entrepreneurs, sharing their journeys of success, overcoming challenges, and driving Houston forward.

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  • Erstellt von
    Hazem Ahmed
  • Jahre aktiv
    2025 - 2026
  • Folgen
    38
  • Bewertung
    Unbedenklich
  • Sendungswebsite
    Banking on Integrity