Deputy Commissioner, Procurement & Compliance, Department of General Services

• Feb 2023 - Present

Vice President - Commercial Lending

• Oct 2017 - Feb 2023

As a Commercial Lender for Jeff Bank, responsible for achieving the goals as established in the department's annual operating plan. Using the core values and principles in the Bank's mission, vision, and value statements to provide exceptional customer service to all customers and actively participate and contribute to the Bank's Strategic Plan as a member of the Commercial Lending Team. Responsible for analysis of potential and existing commercial relationships, analyzing business financials and plans to formulate loan requests, present loan requests and renewals for approval to the Board of Directors and Senior Management Loan Committees. Approve and decline loans within lending authority, maintain proper documentation, and provide recommendations for loans that exceed lending authority. Manage loan portfolio to insure all loans are performing as approved and to mitigate any possible losses. Communicate with examiners when required while following all regulations, policies, and procedures to insure compliance. Maintains an objective focus when analyzing applications taken by other lending officers, and assist with credit policy revisions when needed. Primary market area is the Hudson Valley/Catskills Area of New York, Pike County, PA, and Sussex County, NJ with a focus on on Commercial Loans, Agri-Business Loans, SBA Loans, and USDA Loans. Show less

Vice President & Senior Business Banking Relationship Manager

• Apr 2015 - Sep 2017

As the Business Banker covering four (4) branches in Orange County in the Hudson Valley, NY market, my primary duties are growing the business banking portfolio through business loans (commercial mortgages, lines of credit, term loans, equipment financing, & a variety of SBA Loans), portfolio management, business deposit products, corporate cards, and merchant services. Agri-Business (Farm and Farm-related industries) is also a primary focus in growing and maintaining an Agricultural Lending Portfolio for the Hudson Valley, NY Market. Show less

Vice President - Managing Director - Business Banking Specialist

• Feb 2007 - Mar 2015

As the Business Banking Specialist for the Northern Market, my primary goal was to develop, expand, and maintain both new and existing business & commercial relationships through loan and deposit growth, wealth management, and portfolio management. I worked directly with all of the Financial Center Managing Directors in the Northern Market to assist each in growing and maintaining their business and commercial portfolios. The total small business loan portfolio for the Northern Market was about $50 million. Show less

Vice President - Financial Center Managing Director

• Feb 2007 - Aug 2012

Financial Center Managing Director - in charge of developing new banking relationships through inside and outside business calls, referrals, prospect development, and various team contact lists. Develop long-term financial relationships through new business and consumer accounts, small business loans, commercial loans, agriculture & farm loans, home mortgages, home equity loans, and consumer loans. Managed a high volume office that had up to 13 employees and $60-$65 million in total assets.

Business Development & Relationship Manager

• Jun 2004 - Feb 2007

In charge of developing new banking deposit relationships, both consumer/retail and business/commercial, through inside and outside business calls - including cold calls. Responsible for direct referrals to bank partners for small business/commercial loans, mortgages, home equity loans, consumer loans, and wealth management services. In addition to those duties, was in charge of the managing and growing the bank's merchant service (credit card processing) program and was directly responsible for researching, proposing, and successfully implementing a credit card issuing program through a third-party partner. Show less

Assistant Treasurer - Branch Manager

• Jul 2001 - Jun 2004

Started out as a Teller in 2001 working in the bank's first retail branch located in the Wal-Mart Supercenter in Monroe, NY. Over the next year and a half I was promoted to Head Teller and Assistant Branch Manager for the Monroe, NY Branch. In the spring of 2003 I was promoted to the Assistant Branch Manager of Sales for the Montgomery, NY Branch. In May of 2004, I was promoted to Branch Manager of the Montgomery, NY Branch. Started out as a Teller in 2001 working in the bank's first retail branch located in the Wal-Mart Supercenter in Monroe, NY. Over the next year and a half I was promoted to Head Teller and Assistant Branch Manager for the Monroe, NY Branch. In the spring of 2003 I was promoted to the Assistant Branch Manager of Sales for the Montgomery, NY Branch. In May of 2004, I was promoted to Branch Manager of the Montgomery, NY Branch.