Todd is graduate of Western Kentucky University where he earned a Bachelor of Science Degree in Finance. He also graduated from the Kentucky Schools of Banking and the Cannon Trust Schools. Todd has worked in banking in South Central Kentucky since 1990, primarily in commercial lending. He currently serves on the Board of Directors of United Way of Southern Kentucky and is a member of Eastwood Baptist Church. Todd and his wife, Melissa, reside in Bowling Green and have three children, Dalton, Luke and Emma Kate. In his free time, Todd enjoys spending time with family and reading history.