Experience

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  Franklin Savings Bank

  • Merrimack NH

  • VP, Commercial Loan Officer

    • Nov 2018 - Present
    • Merrimack NH

    I recently left my good friends at Main Street Bank in Ayer to join some old friends at Franklin Savings Bank based out of our new branch in Merrimack NH. This move not only brought me closer to my home, it also brings me back to a very vibrant and active Southern NH/Northern MA market. I am very excited about this opportunity and I look forward to providing exceptional service to both my existing customers and the new customers I will be working with at Franklin Savings Bank. I'm right at Exit 11 off of the Everett Turnpike (Next to the Merrimack Premium Outlets!) Give me a call if you would like to catch up.

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  Main Street Bank

  • Ayer MA

  • Vice President, Commercial Loan Officer

    • Mar 2014 - Nov 2018
    • Ayer MA

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  Commercial Loan Review / Portfolio Management Consultant

  • Consultant

    • Jul 2011 - Mar 2014

    >Consult with Loan Management Staff regarding any existing or potential decline in the credit quality of commercial relationships.>Work with Loan Officers and Credit Department to identify and correct any policy, credit, and legal exceptions. >Conduct Annual Loan Reviews on existing commercial relationships.

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  First Colebrook Bank

  • Vice President, Commercial Lending

    • Dec 2009 - May 2011

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  Butler Bank

  • Chief Lending Officer

    • Sep 2008 - Oct 2009

    Planned, organized and directed the ongoing management of the functions and all activities of the Lending Department, including Commercial, Residential, Consumer Lending and the Special Assets Group. (SAG)

  • Senior Commercial Lending Officer

    • Jul 2007 - Sep 2008

    Created a Commercial Lending Department within a regional community bank.Responsible for establishing policies and procedures for Commercial Lending Department.Created underwriting guidelines that focus on cash flow, debt service coverage, loan-to-value ratios (not to exceed 75% of the collateral value), and strict guidelines regarding the capacity of Guarantors to service debt. Established a policy of strict adherence to credit underwriting guidelines.

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  First National Bank of Ipswich

  • Vice President, Commercial Loan Officer

    • Nov 2004 - Jul 2007

    Assets $400M, Loan Portfolio $254MResponsible for all aspects of commercial loan generation including origination, credit analysis, underwriting, loan presentation and loan documentation.Managed a portfolio of C&I and CREM loans in excess of $25MM.

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  Valentine & Scanlon Commercial Real Estate

  • Associate Broker

    • 2002 - 2004

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  Southern New Hampshire Bank and Trust

  • Vice President Commercial Lending

    • Nov 2002 - Apr 2003

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  US Trust

  • Vice President

    • 1993 - 1999