With 25 years in banking, Margaret Murphy's enthusiasm is cresting. After two-plus years as chief credit officer for Anchor Bank, Murphy is bullish and then some on 2014. With a healthy $1 billion loan portfolio to work with, Murphy and her team are building centers of expertise and focusing on key niches; one new division is dedicated to commercial real estate. Murphy is confident that a deeper understanding of customers' businesses will be a differentiator and provide Anchor with greater visibility in a crowded marketplace.