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Michelle Leclair is a seasoned banking professional with 20+ years of experience in commercial lending, risk management, and financial analysis. She has held senior leadership positions at Mascoma Bank & Mascoma Community Development, Mascoma Savings Bank, and Ledyard National Bank, where she has developed expertise in commercial lending, credit risk management, and financial analysis. She is a graduate of Granite State College with a degree in Management & Finance.

Experience

    • Senior Vice President & Chief Investment Officer
      • Dec 2021 - Present

    • Vice President of Tax Credit Lending / Chief Investment Officer
      • Apr 2018 - Present
      • Hanover, New Hampshire

      Utilizing the New Markets Tax Credit program to fund economic development projects located within eligible census tracts in the Northern New England states.

    • Vice President, Commercial Lending Officer
      • Oct 2012 - Apr 2018
      • Hanover, NH

      As a locally-managed bank, we concentrate our resources in the Upper Valley. Local businesses turn to us for commercial loans and lines of credit, because we are local people who live and work in the Upper Valley. The Bank offers a full range of commercial loans and is a qualified Small Business Administration (S.B.A.) lender. All decisions are made here by people who take the time to get to know you and your business. When your loan request is considered by the Bank’s management, it is done right here in the Upper Valley by people who live here. They know the local businesses and the local business climate. Because our commitment is to customers in the Upper Valley communities, your loan payments continue to work for the local economy through additional loans to your neighbors. • Term Loans • SBA Loans • Commercial Loan rates • Lines of Credit • Letters of Credit • Commercial Mortgages • Commercial Construction Mortgages

  • RMA Vermont
    • Vermont Chapter
    • 2012-2013 Chapter President
      • Sep 2010 - Apr 2014
      • Vermont Chapter

      The Risk Management Association (RMA) is a not-for-profit, member-driven professional association serving the financial services industry. Its sole purpose is to advance the use of sound risk principles in the financial services industry. RMA promotes an enterprise approach to risk management that focuses on credit risk, market risk, operational risk, securities lending, and regulatory issues. Founded in 1914, RMA was originally called the Robert Morris Associates, named after American patriot Robert Morris, a signer of the Declaration of Independence. Morris, the principal financier of the Revolutionary War, helped establish our country's banking system.

    • United States
    • Financial Services
    • 1 - 100 Employee
    • Assistant Vice President & Commercial Relationship Manager
      • Dec 1998 - Oct 2012

      Commercial Relationship Manager in the greater Upper Valley area in central NH & VT. Meeting client needs in both business and personal areas with bank products and services. Deposit accounts with Internet banking for bill payments and bank-to-bank transfers at your fingertips to business accounts and electronic payroll direct deposits for employees. Financing is available from car loans to real estate purchase mortgages. Consultative services to help start, grow or sell a business.

    • Credit Department Manager
      • Dec 1998 - Nov 2005

    • Associate
      • 2008 - 2011

    • Banker
      • 2007 - 2009

    • AVP & Commercial Loan Officer
      • 2005 - 2008

    • Personal Banker
      • 1998 - 2001

Education

  • 2007 - 2010
    Granite State College
    Bachelors, Management & Finance

Suggested Services

This profile is unclaimed. These are suggested service rates with 0% commision upon successful connection

Industry Focus. “Banking and Financial Services”

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