Bay Bank, FSB
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Bay Bank, FSB Employees
Employee
Years
Job
Industry
Paul Rachetta Paul Rachetta's Bay Bank, FSB Experience October 2014 - June 2015
Job Vice President Commercial Banking Group at F.N.B. Corporation
Industry Banking
Experience
F.N.B. Corporation June 2015 - Present
Bay Bank, FSB October 2014 - June 2015
M&T Bank January 2010 - October 2014
M&T Bank January 2007 - August 2010
M&T Bank January 2003 - February 2010
JPMorgan Chase May 1998 - March 2003
Skills
Sales Management, Sales Process, Organizational..., Commercial Banking, Small Business Lending, Banking, Mergers, Retail, Management, SBA, Portfolio Management, Mergers & Acquisitions, Sales, Commercial Lending, Leadership, Loans, Credit, Coaching, Financial Analysis
Education
State University of New York College at Oneonta
BS
LeMoyne College
F.N.B. Corporation June 2015 - Present
Bay Bank, FSB October 2014 - June 2015
M&T Bank January 2010 - October 2014
M&T Bank January 2007 - August 2010
M&T Bank January 2003 - February 2010
JPMorgan Chase May 1998 - March 2003
Skills
Sales Management, Sales Process, Organizational..., Commercial Banking, Small Business Lending, Banking, Mergers, Retail, Management, SBA, Portfolio Management, Mergers & Acquisitions, Sales, Commercial Lending, Leadership, Loans, Credit, Coaching, Financial Analysis
Education
State University of New York College at Oneonta
BS
LeMoyne College
courtney bowling courtney bowling's Bay Bank, FSB Experience April 2013 - January 2014
Job Cashier/Office Supply at Staples
Industry
Experience
Staples April 2014 - Present
Bay Bank, FSB April 2013 - January 2014
Mars Super Market December 2012 - June 2013
Point Breeze Credit Union April 2011 - September 2012
Skills
Excellent Customer..., Interpersonal Skills, Computer skills, Able to type "30 WPM, Detail Oriented
Education
Anne Arundel Community College 2014 — 2016
Associate's Degree, Radiologic Technology/Technician
University of Baltimore 2012 — 2013
Bachelor's Degree, Accounting and Finance
Overlea HS 2008 — 2012
High School, Accounting and Finance
Staples April 2014 - Present
Bay Bank, FSB April 2013 - January 2014
Mars Super Market December 2012 - June 2013
Point Breeze Credit Union April 2011 - September 2012
Skills
Excellent Customer..., Interpersonal Skills, Computer skills, Able to type "30 WPM, Detail Oriented
Education
Anne Arundel Community College 2014 — 2016
Associate's Degree, Radiologic Technology/Technician
University of Baltimore 2012 — 2013
Bachelor's Degree, Accounting and Finance
Overlea HS 2008 — 2012
High School, Accounting and Finance
Scott Lucas Scott Lucas's Bay Bank, FSB Experience August 2013 - Present
Job Loan Officer at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB August 2013 - Present
Equitable Trust Mortgage January 2001 - March 2010
1st Preference Mortgage Corp. January 1990 - December 2000
Skills
35 years mortgage..., about 20 years..., Mortgage Lending, Mortgage Underwriting, Commercial Banking, Credit Risk, Underwriting, Loan Origination, Credit, Loans, Credit Analysis, Banking, Commercial Lending, Residential Mortgages, Commercial Mortgages, Small Business Lending, Refinance
Education
Johns Hopkins School of Public Health 1977 — 1977
Demography and Population Studies
University of Maryland Baltimore County 1972 — 1976
Bachelor of Arts (B.A.), Economics
Bay Bank, FSB August 2013 - Present
Equitable Trust Mortgage January 2001 - March 2010
1st Preference Mortgage Corp. January 1990 - December 2000
Skills
35 years mortgage..., about 20 years..., Mortgage Lending, Mortgage Underwriting, Commercial Banking, Credit Risk, Underwriting, Loan Origination, Credit, Loans, Credit Analysis, Banking, Commercial Lending, Residential Mortgages, Commercial Mortgages, Small Business Lending, Refinance
Education
Johns Hopkins School of Public Health 1977 — 1977
Demography and Population Studies
University of Maryland Baltimore County 1972 — 1976
Bachelor of Arts (B.A.), Economics
Sean Dunphy Sean Dunphy's Bay Bank, FSB Experience January 2014 - August 2014
Job Vice President Business Banking at M&T Bank
Industry Banking
Experience
M&T Bank August 2014 - Present
Bay Bank, FSB January 2014 - August 2014
Wells Fargo April 2011 - January 2014
Wells Fargo October 2003 - March 2011
Skills
Banking, Business Development, Business Strategy, Cash Management, Commercial Banking, Commercial Lending, Consumer Lending, Credit, Credit Analysis, Cross Selling, Customer Satisfaction, Financial Services, Lines Of Credit, Loan Origination, Loans, Management, Marketing, Mortgage Banking, Marketing Management, Mortgage Lending, Portfolio Management, Retail, Retail Banking, Risk Management, SBA, Sales, Series 63, Series 7, Small Business Lending, Treasury Management, Underwriting, Wealth Management, Competitive Analysis, Relationship Management
Education
Towson University
Bachelor of Science (BS), Mass Communication/Media Studies
M&T Bank August 2014 - Present
Bay Bank, FSB January 2014 - August 2014
Wells Fargo April 2011 - January 2014
Wells Fargo October 2003 - March 2011
Skills
Banking, Business Development, Business Strategy, Cash Management, Commercial Banking, Commercial Lending, Consumer Lending, Credit, Credit Analysis, Cross Selling, Customer Satisfaction, Financial Services, Lines Of Credit, Loan Origination, Loans, Management, Marketing, Mortgage Banking, Marketing Management, Mortgage Lending, Portfolio Management, Retail, Retail Banking, Risk Management, SBA, Sales, Series 63, Series 7, Small Business Lending, Treasury Management, Underwriting, Wealth Management, Competitive Analysis, Relationship Management
Education
Towson University
Bachelor of Science (BS), Mass Communication/Media Studies
Doug Bruchman Doug Bruchman's Bay Bank, FSB Experience August 2014 - Present
Job Mortgage Genie at BayBank Mortgage
Industry Banking
Experience
Bay Bank, FSB August 2014 - Present
Skills
Refinance, Banking, Consumer Lending, Loan Origination, FHA, Mortgage Banking, Credit Analysis, Credit, Investments, Residential Mortgages, Commercial Banking, Loans, USDA, FHA financing, Home Equity Lines of..., Commercial Mortgages, Lines Of Credit, Construction Loans, VA loans
Education
University of Maryland Baltimore County 1984 — 1987
BA, Economics
Bay Bank, FSB August 2014 - Present
Skills
Refinance, Banking, Consumer Lending, Loan Origination, FHA, Mortgage Banking, Credit Analysis, Credit, Investments, Residential Mortgages, Commercial Banking, Loans, USDA, FHA financing, Home Equity Lines of..., Commercial Mortgages, Lines Of Credit, Construction Loans, VA loans
Education
University of Maryland Baltimore County 1984 — 1987
BA, Economics
David Borowy David Borowy's Bay Bank, FSB Experience January 2014 - June 2015
Job SVP, Director of Financial Planning & Tax at First Mariner Bank
Industry Financial Services
Experience
First Mariner Bank June 2015 - Present
Bay Bank, FSB January 2014 - June 2015
Bay Bank, FSB July 2010 - December 2013
Calvert Street Capital Corporation January 2008 - October 2008
PNC Financial Services Group, Inc. (FKA Mercantile Bankshares Corporation) December 1985 - December 2007
PNC Financial Services Group (FKA Mercantile Bankshares Corporation) December 1985 - December 2007
Mercantile Bankshares Corp, (Currently PNC Bank) 1985 - 2007
PHH, Inc. August 1983 - December 1985
Ernst & Whinney January 1981 - July 1983
Education
University of Baltimore 1986 — 1987
MS, Taxation
Loyola University Maryland 1977 — 1981
BA, Accounting
First Mariner Bank June 2015 - Present
Bay Bank, FSB January 2014 - June 2015
Bay Bank, FSB July 2010 - December 2013
Calvert Street Capital Corporation January 2008 - October 2008
PNC Financial Services Group, Inc. (FKA Mercantile Bankshares Corporation) December 1985 - December 2007
PNC Financial Services Group (FKA Mercantile Bankshares Corporation) December 1985 - December 2007
Mercantile Bankshares Corp, (Currently PNC Bank) 1985 - 2007
PHH, Inc. August 1983 - December 1985
Ernst & Whinney January 1981 - July 1983
Education
University of Baltimore 1986 — 1987
MS, Taxation
Loyola University Maryland 1977 — 1981
BA, Accounting
Gail Houser Gail Houser's Bay Bank, FSB Experience 2013 - Present
Job Lending & Finance Professional
Industry Banking
Experience
Bay Bank, FSB 2013 - Present
Skills
Commercial Lending, Loans, Credit Analysis, Small Business Lending, Treasury Management, Credit Risk, New Business Development, Strategic Planning, SBA 504, Non-profits, Banking, Cash Management, Commercial Banking
Education
University of Maryland Baltimore County
Bay Bank, FSB 2013 - Present
Skills
Commercial Lending, Loans, Credit Analysis, Small Business Lending, Treasury Management, Credit Risk, New Business Development, Strategic Planning, SBA 504, Non-profits, Banking, Cash Management, Commercial Banking
Education
University of Maryland Baltimore County
Jim Kirschner Jim Kirschner's Bay Bank, FSB Experience January 2011 - Present
Job SVP at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB January 2011 - Present
Kirschner Financial December 2010 - January 2011
FirstCity Crestone May 2007 - December 2010
Beltway Capital January 2003 - May 2007
Bank of America April 1984 - January 2003
Skills
Credit Risk, Credit, Strategic Planning, Risk Management, Accounting, Banking, Credit Analysis, Mergers & Acquisitions, Investments, Corporate Finance, Finance, Portfolio Management, Underwriting, Financial Analysis, Asset Based Lending, Commercial Lending, Small Business Lending, Loan Origination, Loans, Financial Services, Commercial Banking, New Business Generation, Executive Management, Private Equity, Lines Of Credit, Due Diligence, Financial Modeling, Funding, Middle Market, Commercial Mortgages, Project Finance, Leveraged Finance, Structured Finance, Workout, Financial Structuring, Cash Flow, Start-ups, Cash Flow Lending, Restructuring, Debt Restructuring, Treasury Management, Commercial Finance, Syndications, Financial Institutions, Management, Valuation, Factoring
Education
University of Baltimore 1988 — 1990
MBA, Business Administration
Penn State University 1980 — 1983
BS, Finance
Bay Bank, FSB January 2011 - Present
Kirschner Financial December 2010 - January 2011
FirstCity Crestone May 2007 - December 2010
Beltway Capital January 2003 - May 2007
Bank of America April 1984 - January 2003
Skills
Credit Risk, Credit, Strategic Planning, Risk Management, Accounting, Banking, Credit Analysis, Mergers & Acquisitions, Investments, Corporate Finance, Finance, Portfolio Management, Underwriting, Financial Analysis, Asset Based Lending, Commercial Lending, Small Business Lending, Loan Origination, Loans, Financial Services, Commercial Banking, New Business Generation, Executive Management, Private Equity, Lines Of Credit, Due Diligence, Financial Modeling, Funding, Middle Market, Commercial Mortgages, Project Finance, Leveraged Finance, Structured Finance, Workout, Financial Structuring, Cash Flow, Start-ups, Cash Flow Lending, Restructuring, Debt Restructuring, Treasury Management, Commercial Finance, Syndications, Financial Institutions, Management, Valuation, Factoring
Education
University of Baltimore 1988 — 1990
MBA, Business Administration
Penn State University 1980 — 1983
BS, Finance
Jason C. Starner, CPA Jason C. Starner, CPA's Bay Bank, FSB Experience June 2011 - December 2014
Job Vice President, Controller at CFG Community Bank
Industry Banking
Experience
CFG Community Bank December 2014 - Present
Bay Bank, FSB June 2011 - December 2014
Stegman & Company 2009 - 2011
Deloitte & Touche LLP 2004 - 2009
Skills
CPA, Financial Analysis, Financial Reporting, SEC filings, Auditing, Accounting, Consolidation, Corporate Tax, External Audit, Finance, Financial Accounting, GAAP, Internal Controls, SEC Filings
Education
Towson University 2001 — 2004
Bachelor of Science, Accounting
McDaniel College 1999 — 2001
Calvert Hall College High School 1995 — 1999
Hereford Middle School
Hereford Middle School
CFG Community Bank December 2014 - Present
Bay Bank, FSB June 2011 - December 2014
Stegman & Company 2009 - 2011
Deloitte & Touche LLP 2004 - 2009
Skills
CPA, Financial Analysis, Financial Reporting, SEC filings, Auditing, Accounting, Consolidation, Corporate Tax, External Audit, Finance, Financial Accounting, GAAP, Internal Controls, SEC Filings
Education
Towson University 2001 — 2004
Bachelor of Science, Accounting
McDaniel College 1999 — 2001
Calvert Hall College High School 1995 — 1999
Hereford Middle School
Hereford Middle School
TJ Burke TJ Burke's Bay Bank, FSB Experience April 2013 - October 2013
Job Vice President, Chesapeake Bank of Maryland
Industry Banking
Experience
Chesapeake Bank of Maryland March 2014 - Present
Bay Bank, FSB April 2013 - October 2013
BankAnnapolis/First National Bank of Pennsylvania July 2011 - April 2013
Eastern Savings Bank November 2003 - August 2011
Wells Fargo Financial 2001 - 2001
Salisbury University 1999 - 2001
Skills
Loans, Mortgage Lending, Credit, Loan Origination, Banking, Real Estate, Commercial Lending, Credit Analysis, Commercial Mortgages, Risk Management, Underwriting, Mortgage Banking, Commercial Banking, Asset Managment, Real Estate Financing, Loss Mitigation, Consumer Lending, Asset Based Lending, Financial Analysis, Lines Of Credit, Small Business Lending, Portfolio Management, Residential Mortgages, Asset Management
Education
Salisbury University - Perdue School of Business 1998 — 2001
Economics, Finance
Ohio Wesleyan University 1994 — 1996
Shady Side Academy 1989 — 1994
Chesapeake Bank of Maryland March 2014 - Present
Bay Bank, FSB April 2013 - October 2013
BankAnnapolis/First National Bank of Pennsylvania July 2011 - April 2013
Eastern Savings Bank November 2003 - August 2011
Wells Fargo Financial 2001 - 2001
Salisbury University 1999 - 2001
Skills
Loans, Mortgage Lending, Credit, Loan Origination, Banking, Real Estate, Commercial Lending, Credit Analysis, Commercial Mortgages, Risk Management, Underwriting, Mortgage Banking, Commercial Banking, Asset Managment, Real Estate Financing, Loss Mitigation, Consumer Lending, Asset Based Lending, Financial Analysis, Lines Of Credit, Small Business Lending, Portfolio Management, Residential Mortgages, Asset Management
Education
Salisbury University - Perdue School of Business 1998 — 2001
Economics, Finance
Ohio Wesleyan University 1994 — 1996
Shady Side Academy 1989 — 1994
Matt Rickeman Matt Rickeman's Bay Bank, FSB Experience October 2015 - Present
Job VP Commercial Banking at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB October 2015 - Present
The Columbia Bank January 2014 - September 2015
Carroll Community Bank April 2011 - January 2014
K Bank 2004 - 2010
Skills
Credit, Commercial Banking, Banking, Credit Analysis, PowerPoint, Small Business Lending, Loans, Underwriting, Microsoft Word, Commercial Mortgages, Volunteering, Lines Of Credit
Education
Tufts University 1999 — 2003
BA, Economics
Bay Bank, FSB October 2015 - Present
The Columbia Bank January 2014 - September 2015
Carroll Community Bank April 2011 - January 2014
K Bank 2004 - 2010
Skills
Credit, Commercial Banking, Banking, Credit Analysis, PowerPoint, Small Business Lending, Loans, Underwriting, Microsoft Word, Commercial Mortgages, Volunteering, Lines Of Credit
Education
Tufts University 1999 — 2003
BA, Economics
Amanda Opperhauser Amanda Opperhauser's Bay Bank, FSB Experience October 2013 - February 2015
Job Financial Services Representative at Freedom Federal Credit Union
Industry Banking
Experience
AmTote International March 2015 - Present
Bay Bank, FSB October 2013 - February 2015
Freedom Federal Credit Union May 2009 - October 2013
Mountain Christian Church September 2007 - May 2009
Christopher & Banks June 2005 - May 2009
Skills
Leadership, Computers, Communication, Customer Service
Education
Harford Community College 2005 — 2008
Associate's degree, General Studies
North Harford High School 2001 — 2005
High School Diploma, N/A
AmTote International March 2015 - Present
Bay Bank, FSB October 2013 - February 2015
Freedom Federal Credit Union May 2009 - October 2013
Mountain Christian Church September 2007 - May 2009
Christopher & Banks June 2005 - May 2009
Skills
Leadership, Computers, Communication, Customer Service
Education
Harford Community College 2005 — 2008
Associate's degree, General Studies
North Harford High School 2001 — 2005
High School Diploma, N/A
Richard Yoskey Richard Yoskey's Bay Bank, FSB Experience January 2014 - Present
Job Commercial Relationship Manager at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB January 2014 - Present
Bay Bank, FSB October 2012 - Present
Wells Fargo Bank May 2011 - October 2012
Wachovia Bank November 2005 - May 2011
Chesapeake Financial Group June 2002 - November 2005
Skills
Banking, Commercial Lending, Commercial Banking, Lines Of Credit, Finance, Loans, Small Business Lending, Cash Management, Credit, Leadership Development, Leadership, Treasury Management, Sales, Credit Analysis, Commercial Mortgages, Loan Origination, Underwriting, Mortgage Lending, Consumer Lending, SBA, Merchant Services, Asset Based Lending, Retail Banking, Management, Real Estate, Mortgage Banking, Financial Analysis, Credit Risk, Cross Selling, Relationship Management, New Business Development, Financial Services, Cash Flow, Commercial Real Estate, Deposits, Refinance, Manufacturing, Lockbox, Strategic Financial..., Investments, Real Estate Financing, Retirement Planning, Financial Risk
Education
Jack Welch Management Institute at Strayer University 2013 — 2016
Executive MBA
Salisbury University - Perdue School of Business 1998 — 2002
BS, Marketing, Finance
Wicomico High School 1994 — 1998
General
Bay Bank, FSB January 2014 - Present
Bay Bank, FSB October 2012 - Present
Wells Fargo Bank May 2011 - October 2012
Wachovia Bank November 2005 - May 2011
Chesapeake Financial Group June 2002 - November 2005
Skills
Banking, Commercial Lending, Commercial Banking, Lines Of Credit, Finance, Loans, Small Business Lending, Cash Management, Credit, Leadership Development, Leadership, Treasury Management, Sales, Credit Analysis, Commercial Mortgages, Loan Origination, Underwriting, Mortgage Lending, Consumer Lending, SBA, Merchant Services, Asset Based Lending, Retail Banking, Management, Real Estate, Mortgage Banking, Financial Analysis, Credit Risk, Cross Selling, Relationship Management, New Business Development, Financial Services, Cash Flow, Commercial Real Estate, Deposits, Refinance, Manufacturing, Lockbox, Strategic Financial..., Investments, Real Estate Financing, Retirement Planning, Financial Risk
Education
Jack Welch Management Institute at Strayer University 2013 — 2016
Executive MBA
Salisbury University - Perdue School of Business 1998 — 2002
BS, Marketing, Finance
Wicomico High School 1994 — 1998
General
M. Neil Brownawell, II M. Neil Brownawell, II's Bay Bank, FSB Experience September 2010 - September 2015
Job Senior Vice President at Peoples Bank
Industry Banking
Experience
Bay Bank, FSB September 2010 - September 2015
Augusta Butler LLC September 2007 - August 2010
First Mariner Bank October 1995 - September 2007
Skills
Commercial Lending, Small Business Lending, Commercial Mortgages, Commercial Banking, Banking, Financial Services, Asset Based Lending, Credit, Loans, Portfolio Management, Underwriting, Credit Risk, Loan Origination, Treasury Management, Lines Of Credit, Cash Management, Finance, Risk Management
Education
Mount St. Mary's University 1982 — 1984
MBA, Human Relations-Economics
Mount St. Mary's University 1978 — 1982
BS, Economics
Bay Bank, FSB September 2010 - September 2015
Augusta Butler LLC September 2007 - August 2010
First Mariner Bank October 1995 - September 2007
Skills
Commercial Lending, Small Business Lending, Commercial Mortgages, Commercial Banking, Banking, Financial Services, Asset Based Lending, Credit, Loans, Portfolio Management, Underwriting, Credit Risk, Loan Origination, Treasury Management, Lines Of Credit, Cash Management, Finance, Risk Management
Education
Mount St. Mary's University 1982 — 1984
MBA, Human Relations-Economics
Mount St. Mary's University 1978 — 1982
BS, Economics
King Corbett King Corbett's Bay Bank, FSB Experience August 2010 - Present
Job Chief Lending Officer at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB August 2010 - Present
SunTrust Bank 2000 - 2007
Education
Loyola University Maryland 1982 — 1985
Master of Business Administration (M.B.A.), Finance
Bay Bank, FSB August 2010 - Present
SunTrust Bank 2000 - 2007
Education
Loyola University Maryland 1982 — 1985
Master of Business Administration (M.B.A.), Finance
David Urner David Urner's Bay Bank, FSB Experience April 2013 - Present
Job Network Administrator at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB April 2013 - Present
Carrollton Bank January 2012 - April 2013
Skills
VMware, NetApp, Windows Server, Windows, Sonicwall, Microsoft Exchange, Group Policy, VMware ESX, Solarwinds, Visual Basic
Education
University of Maryland University College 2010 — 2014
Bachelor of Science (BS), Computer Networks and Security
Bay Bank, FSB April 2013 - Present
Carrollton Bank January 2012 - April 2013
Skills
VMware, NetApp, Windows Server, Windows, Sonicwall, Microsoft Exchange, Group Policy, VMware ESX, Solarwinds, Visual Basic
Education
University of Maryland University College 2010 — 2014
Bachelor of Science (BS), Computer Networks and Security
Jeff Plank Jeff Plank's Bay Bank, FSB Experience November 2010 - Present
Job Vice President Commercial Real Estate at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB November 2010 - Present
K Bank February 2007 - November 2010
Capital Mortgage Finance August 2003 - February 2007
Skills
Loans, Financial Analysis, Credit, Banking, Credit Analysis, Commercial Lending, Underwriting, Commercial Banking, Portfolio Management, Loan Origination, Consumer Lending
Education
Salisbury University 1999 — 2003
Bachelor of Science (B.S.), Management Information Systems, General
Centennial High School 1995 — 1999
Bay Bank, FSB November 2010 - Present
K Bank February 2007 - November 2010
Capital Mortgage Finance August 2003 - February 2007
Skills
Loans, Financial Analysis, Credit, Banking, Credit Analysis, Commercial Lending, Underwriting, Commercial Banking, Portfolio Management, Loan Origination, Consumer Lending
Education
Salisbury University 1999 — 2003
Bachelor of Science (B.S.), Management Information Systems, General
Centennial High School 1995 — 1999
Martha Willemain Martha Willemain's Bay Bank, FSB Experience July 2011 - Present
Job 2 location Branch Manager and Business Banking Specialist
Industry Financial Services
Experience
Bay Bank, FSB July 2011 - Present
Heartland Payment Systems February 2009 - December 2010
Wachovia Bank November 2004 - February 2008
Bank of America January 2001 - November 2004
Bank of America January 1981 - December 2000
Skills
Customer Satisfaction, Direct Sales, Training, Loans, Banking, Financial Analysis, Management, Business Development, Sales, Mortgage Lending, Sales Management, Portfolio Management, Customer Service, Credit, Commercial Banking, Strategic Planning, Finance, Commercial Lending, Financial Services, Loan Origination, Customer Retention, Credit Analysis, Cross Selling, Cold Calling, Performance Management, Auditing, Lines Of Credit, Small Business Lending, Retail Banking
Education
Towson University
Music
Notre Dame Preparatory
Bay Bank, FSB July 2011 - Present
Heartland Payment Systems February 2009 - December 2010
Wachovia Bank November 2004 - February 2008
Bank of America January 2001 - November 2004
Bank of America January 1981 - December 2000
Skills
Customer Satisfaction, Direct Sales, Training, Loans, Banking, Financial Analysis, Management, Business Development, Sales, Mortgage Lending, Sales Management, Portfolio Management, Customer Service, Credit, Commercial Banking, Strategic Planning, Finance, Commercial Lending, Financial Services, Loan Origination, Customer Retention, Credit Analysis, Cross Selling, Cold Calling, Performance Management, Auditing, Lines Of Credit, Small Business Lending, Retail Banking
Education
Towson University
Music
Notre Dame Preparatory
Arline Cohen Arline Cohen's Bay Bank, FSB Experience August 2003 - Present
Job Post Closer / Shipper at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB August 2003 - Present
K Bank December 2002 - August 2003
K Bank 2000 - 2003
Skills
Loans, FHA, VA, Mortgage Lending, Customer Service, Post Closing, Administrative..., Microsoft Office, Mortgage Banking, Residential Mortgages, VA loans, USDA, Telephone Skills, Residential Homes, Refinance, Mortgage Servicing, Loan Servicing, Investment Properties, Legal Research, FHA Financing, FHA financing
Education
Rockland Community College 1978 — 1979
Dental Assisting, Dental Assisting
Tappan Zee High School 1974 — 1978
Bay Bank, FSB August 2003 - Present
K Bank December 2002 - August 2003
K Bank 2000 - 2003
Skills
Loans, FHA, VA, Mortgage Lending, Customer Service, Post Closing, Administrative..., Microsoft Office, Mortgage Banking, Residential Mortgages, VA loans, USDA, Telephone Skills, Residential Homes, Refinance, Mortgage Servicing, Loan Servicing, Investment Properties, Legal Research, FHA Financing, FHA financing
Education
Rockland Community College 1978 — 1979
Dental Assisting, Dental Assisting
Tappan Zee High School 1974 — 1978
Andrea Niedzwicki Andrea Niedzwicki's Bay Bank, FSB Experience May 2014 - March 2015
Job Collections Manager at Rosedale Federal Savings and Loan Association
Industry Banking
Experience
Rosedale Federal Savings and Loan Association March 2015 - Present
Bay Bank, FSB May 2014 - March 2015
Slavie Federal Savings Bank October 1990 - May 2014
Skills
Mortgage, Credit, Mortgage Lending, Banking, First Time Home Buyers, Word, Encompass, NMLS Licensed, Calyx Point, HMDA, Microsoft Office, Microsoft Excel, Microsoft Word, OCC, Relationship Management, Real Estate, Loans, Cross Selling, Loan Origination, Mortgage Banking, FHA financing, Underwriting, FHA, Loan Servicing, Refinance, Residential Mortgages, Insurance, Construction Loans, Leadership, Credit Analysis, Mortgage Underwriting, Mortgage Servicing, Small Business Lending, Commercial Mortgages, Consumer Lending, Commercial Banking, Lines Of Credit, Commercial Lending
Education
Maryland Mortgage Bankers Association 1991 — 2012
Banking
INSTITUTE OF FINANCIAL EDUCATION, MARYLAND CHAPTER #89 1991 — 2000
BANKING
Essex Community College 1987 — 1989
General - Business
The Catholic High School of Baltimore 1983 — 1987
General Studies
Rosedale Federal Savings and Loan Association March 2015 - Present
Bay Bank, FSB May 2014 - March 2015
Slavie Federal Savings Bank October 1990 - May 2014
Skills
Mortgage, Credit, Mortgage Lending, Banking, First Time Home Buyers, Word, Encompass, NMLS Licensed, Calyx Point, HMDA, Microsoft Office, Microsoft Excel, Microsoft Word, OCC, Relationship Management, Real Estate, Loans, Cross Selling, Loan Origination, Mortgage Banking, FHA financing, Underwriting, FHA, Loan Servicing, Refinance, Residential Mortgages, Insurance, Construction Loans, Leadership, Credit Analysis, Mortgage Underwriting, Mortgage Servicing, Small Business Lending, Commercial Mortgages, Consumer Lending, Commercial Banking, Lines Of Credit, Commercial Lending
Education
Maryland Mortgage Bankers Association 1991 — 2012
Banking
INSTITUTE OF FINANCIAL EDUCATION, MARYLAND CHAPTER #89 1991 — 2000
BANKING
Essex Community College 1987 — 1989
General - Business
The Catholic High School of Baltimore 1983 — 1987
General Studies
Tracy Hoff's Bay Bank, FSB Experience April 2013 - March 2014
Job Branch Banker IV at BB&T
Industry Banking
Experience
BB&T December 2014 - Present
Cash Advance Now September 2014 - November 2014
Bay Bank, FSB April 2013 - March 2014
Carrollton Bank July 2010 - April 2013
1st Mariner Bank September 2004 - July 2010
Skills
Credit, Banking, Loans, Commercial Banking, Small Business Lending, Commercial Lending, Retail Banking, Consumer Lending, Credit Analysis
Education
Essex Community College 1996 — 1998
Nursing
Pikesville High School 1992 — 1996
General
BB&T December 2014 - Present
Cash Advance Now September 2014 - November 2014
Bay Bank, FSB April 2013 - March 2014
Carrollton Bank July 2010 - April 2013
1st Mariner Bank September 2004 - July 2010
Skills
Credit, Banking, Loans, Commercial Banking, Small Business Lending, Commercial Lending, Retail Banking, Consumer Lending, Credit Analysis
Education
Essex Community College 1996 — 1998
Nursing
Pikesville High School 1992 — 1996
General
Tara Fine's Bay Bank, FSB Experience May 2006 - August 2014
Job Loan Operations Specialist II at Howard Bank
Industry Banking
Experience
Howard Bank August 2014 - Present
Bay Bank, FSB May 2006 - August 2014
Webster Bank 2003 - 2006
Fleet Bank 2000 - 2003
Skills
Banking, Relationship Management, Credit Risk, Commercial Lending, Commercial Banking, Marketing, Financial Services, Credit, Account Management, Loans, Underwriting
Education
Howard University 1989 — 1994
Howard Bank August 2014 - Present
Bay Bank, FSB May 2006 - August 2014
Webster Bank 2003 - 2006
Fleet Bank 2000 - 2003
Skills
Banking, Relationship Management, Credit Risk, Commercial Lending, Commercial Banking, Marketing, Financial Services, Credit, Account Management, Loans, Underwriting
Education
Howard University 1989 — 1994
Shaun Murphy Shaun Murphy's Bay Bank, FSB Experience April 2012 - October 2013
Job Sr. Executive Vice President/Chief Credit & Risk Officer at City First Bank of DC
Industry Banking
Experience
City First Bank of DC April 2015 - Present
Hovde Private Equity Advisors LLC August 2011 - Present
H Bancorp LLC June 2014 - April 2015
Carrollton Bancorp April 2013 - October 2013
Bay Bank, FSB April 2012 - October 2013
Jefferson Bancorp, Inc. April 2012 - October 2013
CapitalSource October 2005 - July 2011
CapitalSource Bank October 2005 - July 2011
PNC Financial Services Group February 2003 - September 2005
PNC Financial Services Group February 2003 - September 2005
Skills
Banking, Board Level, Bank Relationship..., Commercial Banking, Regulatory Risk, Credit Risk, Credit Review, Regulatory Affairs, Critical Thinking, Management Consulting, Team Leadership, Team Building, Banking Relationships, Customer Acquisition, Financial Analysis, Commercial Lending, Loan Origination, Loan Structuring, Underwriting, Governance, Financial Regulation, Credit Portfolio..., Loan Servicing, Creative Problem Solving, Acquisition Integration, Risk Assessment, Risk Management, Risk Analysis, Enterprise Risk..., Contract Negotiation, Change Leadership, Creditors' Rights, Strategic Planning, Turnaround Specialist, Work Under Pressure, Equity Valuation, Private Equity, Valuation, Asset Pricing, Policy, Policy Writing, Securitization, Credit, Financial Structuring, Portfolio Management, Change Management, Capital Markets, Asset Management, Credit Analysis, Asset Based Lending
Education
The London School of Economics and Political Science (LSE) 1983 — 1984
MSc, Economics/Industrial Relations
Villanova University 1979 — 1983
BSBA, Finance
City First Bank of DC April 2015 - Present
Hovde Private Equity Advisors LLC August 2011 - Present
H Bancorp LLC June 2014 - April 2015
Carrollton Bancorp April 2013 - October 2013
Bay Bank, FSB April 2012 - October 2013
Jefferson Bancorp, Inc. April 2012 - October 2013
CapitalSource October 2005 - July 2011
CapitalSource Bank October 2005 - July 2011
PNC Financial Services Group February 2003 - September 2005
PNC Financial Services Group February 2003 - September 2005
Skills
Banking, Board Level, Bank Relationship..., Commercial Banking, Regulatory Risk, Credit Risk, Credit Review, Regulatory Affairs, Critical Thinking, Management Consulting, Team Leadership, Team Building, Banking Relationships, Customer Acquisition, Financial Analysis, Commercial Lending, Loan Origination, Loan Structuring, Underwriting, Governance, Financial Regulation, Credit Portfolio..., Loan Servicing, Creative Problem Solving, Acquisition Integration, Risk Assessment, Risk Management, Risk Analysis, Enterprise Risk..., Contract Negotiation, Change Leadership, Creditors' Rights, Strategic Planning, Turnaround Specialist, Work Under Pressure, Equity Valuation, Private Equity, Valuation, Asset Pricing, Policy, Policy Writing, Securitization, Credit, Financial Structuring, Portfolio Management, Change Management, Capital Markets, Asset Management, Credit Analysis, Asset Based Lending
Education
The London School of Economics and Political Science (LSE) 1983 — 1984
MSc, Economics/Industrial Relations
Villanova University 1979 — 1983
BSBA, Finance
G.Claudia Madison's Bay Bank, FSB Experience 2007 - 2012
Job Account Manager Bay Bank FSB
Industry Banking
Experience
Bay Bank FSB 2007 - 2012
County National Bank 2005 - 2007
Education
Notre Dame of Maryland University
Bay Bank FSB 2007 - 2012
County National Bank 2005 - 2007
Education
Notre Dame of Maryland University
Bryan LePage's Bay Bank, FSB Experience September 2014 - Present
Job Vice President Business Banking R.M. at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB September 2014 - Present
SBA Awards Committee May 2010 - Present
The Columbia Bank February 2004 - September 2014
West Anne Arundel County Chamber of Commerce April 2009 - December 2013
Howard County's Finest Under 39 January 2013 - November 2013
Leadership Anne Arundel 2008 - 2009
M & T Bank 2002 - 2003
Skills
Effective time managment, Team Management, Team Leadership, Communication Skills, Computer Proficiency, Decisiveness, Decision Analysis, Problem Solving, Highly resourceful, Creativity, Reliability, Determination to Succeed, Work Ethic, Desire to Succeed, Patience, Customer Follow-up, Customer Service..., Credit Risk, Risk Assessment, Credit Analysis, Coaching, Investments, Strategic Planning, Commercial Lending, Commercial Mortgages, Leadership, Retail Banking, Finance, Banking, Management, Loans, Financial Services, Team Building, Program Management, Credit, Risk Management, Small Business Lending, Commercial Banking, Small Business
Education
Methodist College 1998 — 2002
Business, Double Majored - Marketing & Business Administration
La Trobe University 1997 — 1998
Humanities, Business
Bay Bank, FSB September 2014 - Present
SBA Awards Committee May 2010 - Present
The Columbia Bank February 2004 - September 2014
West Anne Arundel County Chamber of Commerce April 2009 - December 2013
Howard County's Finest Under 39 January 2013 - November 2013
Leadership Anne Arundel 2008 - 2009
M & T Bank 2002 - 2003
Skills
Effective time managment, Team Management, Team Leadership, Communication Skills, Computer Proficiency, Decisiveness, Decision Analysis, Problem Solving, Highly resourceful, Creativity, Reliability, Determination to Succeed, Work Ethic, Desire to Succeed, Patience, Customer Follow-up, Customer Service..., Credit Risk, Risk Assessment, Credit Analysis, Coaching, Investments, Strategic Planning, Commercial Lending, Commercial Mortgages, Leadership, Retail Banking, Finance, Banking, Management, Loans, Financial Services, Team Building, Program Management, Credit, Risk Management, Small Business Lending, Commercial Banking, Small Business
Education
Methodist College 1998 — 2002
Business, Double Majored - Marketing & Business Administration
La Trobe University 1997 — 1998
Humanities, Business
Charlie Maykrantz's Bay Bank, FSB Experience August 2014 - October 2014
Job Community Lending Officer
Industry Banking
Experience
1st Mariner Bank November 2014 - Present
Bay Bank, FSB August 2014 - October 2014
1st Mariner Bank November 1998 - July 2014
First National Bank of Maryland November 1988 - October 1998
Yorkridge Calvert S & L Association February 1984 - November 1988
Skills
Reverse Mortgages, FHA, Referrals, Mortgage Lending, Refinance, Banking, Sellers, Loans, Mortgage Banking, Commercial Lending, FHA financing, VA loans, Real Estate, Loan Origination, Government Loans, USDA, Residential Mortgages, Construction Loans, Credit, Certified Mortgage..., Mortgage Underwriting, Commercial Mortgages, Real Estate Financing, Underwriting, Credit Analysis, Home Equity Loans, First Time Home Buyers, Investment Properties, Consumer Lending, Loss Mitigation, Debt Consolidation, Non-Conforming, Rates, Small Business Lending, Real Estate Economics, Commercial Banking, Mortgage Servicing, HUD, Loan Servicing, Home Equity Lines of..., REO, Lines Of Credit, Mortgage Marketing, Foreclosures, Investments, Credit Risk, Financial Structuring, Short Sales, Finance, Portfolio Management
Education
University of Baltimore 1966 — 1971
Bachelor of Science, Business Management
1st Mariner Bank November 2014 - Present
Bay Bank, FSB August 2014 - October 2014
1st Mariner Bank November 1998 - July 2014
First National Bank of Maryland November 1988 - October 1998
Yorkridge Calvert S & L Association February 1984 - November 1988
Skills
Reverse Mortgages, FHA, Referrals, Mortgage Lending, Refinance, Banking, Sellers, Loans, Mortgage Banking, Commercial Lending, FHA financing, VA loans, Real Estate, Loan Origination, Government Loans, USDA, Residential Mortgages, Construction Loans, Credit, Certified Mortgage..., Mortgage Underwriting, Commercial Mortgages, Real Estate Financing, Underwriting, Credit Analysis, Home Equity Loans, First Time Home Buyers, Investment Properties, Consumer Lending, Loss Mitigation, Debt Consolidation, Non-Conforming, Rates, Small Business Lending, Real Estate Economics, Commercial Banking, Mortgage Servicing, HUD, Loan Servicing, Home Equity Lines of..., REO, Lines Of Credit, Mortgage Marketing, Foreclosures, Investments, Credit Risk, Financial Structuring, Short Sales, Finance, Portfolio Management
Education
University of Baltimore 1966 — 1971
Bachelor of Science, Business Management
King Corbett's Bay Bank, FSB Experience August 2010 - Present
Job at Bay Bank FSB
Industry Financial Services
Experience
Bay Bank FSB August 2010 - Present
Sun Trust Bank June 2000 - September 2007
Education
Loyola University Maryland 1970 — 1984
BA/MBA
Bay Bank FSB August 2010 - Present
Sun Trust Bank June 2000 - September 2007
Education
Loyola University Maryland 1970 — 1984
BA/MBA
Brian Peller's Bay Bank, FSB Experience March 2013 - Present
Job Branch Manager & Business Banking at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB March 2013 - Present
Global Memories Travel August 2011 - Present
Bay Bank, FSB March 2013 - August 2015
M&T Bank April 2007 - May 2012
M&T Bank May 2004 - April 2007
Chevy Chase Bank January 2004 - May 2004
Provident Bank April 1997 - January 2004
Skills
New Business Development, Marketing, Sales, Customer Service, Networking, Coaching, Performance Analysis, Sales Management, Building Relationships, Management, Team Building, Property & Casualty..., Life Insurance, Health Insurance, Business Development, Loans, Retail Banking, Commercial Banking, Branch Management, Insurance, Consumer Lending, Small Business Lending, Banking, Mortgage Lending, Credit Analysis, Credit, Lines Of Credit, Cross Selling, Commercial Lending, Financial Services, Training, Branch Banking, Small Business, Relationship Management, Portfolio Management, Loan Origination, Finance, Risk Management, Treasury Management, Underwriting, Customer Retention
Education
Essex Community College 1987 — 1991
Associates in Arts
Overlea 1983 — 1987
High School Diploma
Bay Bank, FSB March 2013 - Present
Global Memories Travel August 2011 - Present
Bay Bank, FSB March 2013 - August 2015
M&T Bank April 2007 - May 2012
M&T Bank May 2004 - April 2007
Chevy Chase Bank January 2004 - May 2004
Provident Bank April 1997 - January 2004
Skills
New Business Development, Marketing, Sales, Customer Service, Networking, Coaching, Performance Analysis, Sales Management, Building Relationships, Management, Team Building, Property & Casualty..., Life Insurance, Health Insurance, Business Development, Loans, Retail Banking, Commercial Banking, Branch Management, Insurance, Consumer Lending, Small Business Lending, Banking, Mortgage Lending, Credit Analysis, Credit, Lines Of Credit, Cross Selling, Commercial Lending, Financial Services, Training, Branch Banking, Small Business, Relationship Management, Portfolio Management, Loan Origination, Finance, Risk Management, Treasury Management, Underwriting, Customer Retention
Education
Essex Community College 1987 — 1991
Associates in Arts
Overlea 1983 — 1987
High School Diploma
Tara Fine's Bay Bank, FSB Experience 2006 - Present
Job Accont Manager at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB 2006 - Present
Webster Bank 2003 - 2006
Fleet Bank 2000 - 2003
Education
Howard University
Bay Bank, FSB 2006 - Present
Webster Bank 2003 - 2006
Fleet Bank 2000 - 2003
Education
Howard University
Denise Morin's Bay Bank, FSB Experience 2007 - 2013
Job Customer Service
Industry Banking
Experience
Domestic Engineer September 2014 - Present
Glen Burnie September 2007 - August 2013
Bay Bank, FSB 2007 - 2013
Skills
Customer Service..., File Management, Computer Proficiency, Communication Skills, Account Reconciliation, Overdrafts, Teamwork, Creative Problem Solving, Data Entry, Cash Management, Payroll, Record Maintenance, Multi Tasking, Deposits, Event Planning, Customer Service, Leadership, Loans, Portfolio Management, Sales, Management, Small Business Lending
Education
Anne Arundel Community College 2001 — 2001
southern high school 1974 — 1977
diploma, general studies
Domestic Engineer September 2014 - Present
Glen Burnie September 2007 - August 2013
Bay Bank, FSB 2007 - 2013
Skills
Customer Service..., File Management, Computer Proficiency, Communication Skills, Account Reconciliation, Overdrafts, Teamwork, Creative Problem Solving, Data Entry, Cash Management, Payroll, Record Maintenance, Multi Tasking, Deposits, Event Planning, Customer Service, Leadership, Loans, Portfolio Management, Sales, Management, Small Business Lending
Education
Anne Arundel Community College 2001 — 2001
southern high school 1974 — 1977
diploma, general studies
Kathie Costa's Bay Bank, FSB Experience July 2014 - Present
Job Mortgage Processor at Bay Bank, FSB
Industry Financial Services
Experience
Bay Bank, FSB July 2014 - Present
Wells Fargo Home Mortgage 2011 - February 2014
Remax American Dream 2011 - 2011
Synergy HomeCare 2010 - 2011
The Mortgage Guys 2009 - 2009
Equitable Trust Mortgage Corp 2006 - 2008
Veterans Home Mortgage 2005 - 2006
Premier Mortgage Funding 2005 - 2005
Fidelity Home Mortgage 2004 - 2005
American Skycorp 1999 - 2001
Skills
Mortgage Processor, Mortgage Lending, Mortgage Banking, Customer Service, FHA financing, VA Financing, Conventional Financing, Short Sales, Foreclosures, CDA Program, USDA Rural Housing..., Grant Programs, Credit Analysis, Credit Risk, Compliance, Employee Training, Teaching 1st Time..., Seminars for mortgage..., Loan Origination, UPS Shipping, Federal Express Shipping, Couriers, Administrative..., Office Administration, Microsoft Word, Microsoft Excel, Outlook, Typing, Scanning, Fax, Copying, Creating Brochures and..., Ordering Office Supplies, Retail Banking, Branch Banking, Consumer Lending, Loans, Credit, Cross Selling, DU / LP experience, Banking, VA Loans
Education
Catonsville Community College 1984 — 1992
Business - 42 Credits
Bay Bank, FSB July 2014 - Present
Wells Fargo Home Mortgage 2011 - February 2014
Remax American Dream 2011 - 2011
Synergy HomeCare 2010 - 2011
The Mortgage Guys 2009 - 2009
Equitable Trust Mortgage Corp 2006 - 2008
Veterans Home Mortgage 2005 - 2006
Premier Mortgage Funding 2005 - 2005
Fidelity Home Mortgage 2004 - 2005
American Skycorp 1999 - 2001
Skills
Mortgage Processor, Mortgage Lending, Mortgage Banking, Customer Service, FHA financing, VA Financing, Conventional Financing, Short Sales, Foreclosures, CDA Program, USDA Rural Housing..., Grant Programs, Credit Analysis, Credit Risk, Compliance, Employee Training, Teaching 1st Time..., Seminars for mortgage..., Loan Origination, UPS Shipping, Federal Express Shipping, Couriers, Administrative..., Office Administration, Microsoft Word, Microsoft Excel, Outlook, Typing, Scanning, Fax, Copying, Creating Brochures and..., Ordering Office Supplies, Retail Banking, Branch Banking, Consumer Lending, Loans, Credit, Cross Selling, DU / LP experience, Banking, VA Loans
Education
Catonsville Community College 1984 — 1992
Business - 42 Credits
Stephanie Restivo Marchak's Bay Bank, FSB Experience January 2011 - Present
Job Assistant Branch Manager at Bay Bank, FSB
Industry Banking
Experience
Bay Bank, FSB January 2011 - Present
Mars Supermarket November 2000 - Present
K Bank June 2005 - November 2010
Education
The Community College of Baltimore County
Associate's degree, Business Administration and Management, General
Western Senior High School
Bay Bank, FSB January 2011 - Present
Mars Supermarket November 2000 - Present
K Bank June 2005 - November 2010
Education
The Community College of Baltimore County
Associate's degree, Business Administration and Management, General
Western Senior High School