Carter Bank & Trust announced that J. Richard (Rich) Spiker has joined the company as its executive vice president and chief lending officer. Spiker will oversee the management, direction and development of commercial lending, community banking and all related products. A 25-year veteran in the banking industry, Spiker served as executive vice present and chief lending officer for Carolina Bank in Greensboro, N.C., for the past four years. Prior to that, he was senior vice president and market executive for High Point Bank and Trust in Greensboro. Spiker also is licensed with the state of North Carolina as a general building contractor and real estate broker.