Citystate Savings Bank, Inc. at its board meeting held on December 20, 2023, the Board of Directors of the company approved the appointment of Ms. Mary Bernadette R. Fernandez as Lending Group Head effective January 1, 2024. Ms. Fernandez graduated from Miriam College (Katipunan, Quezon City) with the course Bachelor of Science in Psychology. She has a master's degree in Business Administration (Regis Program) from Ateneo Graduate School of Business (Rockwell Drive, Makati City).

She started her banking career at Planter's Development Bank as an Account Assistant/Loan Coordinator in April 2008 to July 2010. She was a Universal Account Officer/Administrative Officer at South Luzon Lending (SME Banking Group) from January 2011 to June 2012; became Deputy Head/Senior Assistant Manager; and was appointed Officer-in-Charge/Department Head/Manager from April 1, 2014 to December 17, 2015; from December 18, 2015 to March 31, 2018 she was Manager-Senior Manager. She was Assistant Vice President for China Bank Savings, Inc. from April 1, 2018 to July 31, 2019.

From August 13, 2019 to March 30, 2020 she was Assistant Vice President at East West Banking Corporation. She served as Senior Assistant Vice President at Malayan Savings Bank, Inc; as SME Loans Head from May 18, 2020 to July 31, 2022; as Lending Group Head from August 1, 2022 to September 2023; and as Traditional Market Segment Head from October 2023 to December 7, 2023.