Lending Officers

Phil Goncalves website Phil B. Goncalves
Senior Vice President
Senior Lender
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Direct Dial: 413-277-2066 • Fax: 413-967-0386

“The best part of this job is being able to work with a great team to help meet our customer’s financial needs.”

Phil is a high energy and versatile financial executive. He has been in the banking industry since 1984 and with Country Bank since 1992. He manages the Commercial Lending team. He is active in the community and serves on the Board of Junior Achievement, The Randall Boys & Girls Club and on the STCC Foundation. In addition, he is an Adjunct professor at the local colleges.


Doug Gilbert websiteDouglas Gilbert
First Vice President
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Direct Dial: 413-277-2105 • Fax: 866-638-8771

“I enjoy structuring financing that best accommodates each customer’s unique needs.”

Doug started his banking career in 1994 and has nearly 20 years of progressive experience in Commercial Lending. He joined Country Bank in 2008 with his expertise in complex Commercial Real Estate transactions.

Doug’s education includes an MBA in Finance from the University of Connecticut and he is also an active Certified Public Accountant in the Commonwealth of Massachusetts.  Doug’s background provides him with the ability to quickly identify and understand business customers’ unique cash flow needs and recommend the best possible financing solutions.

Doug is active in the community; he is a member of the United Way of Pioneer Valley’s Financial Stability Network, and Assistant Coach for the Pioneer Valley Junior Soccer League.


Scott Pasquale website D. Scott Pasquale 
Vice President  This email address is being protected from spambots. You need JavaScript enabled to view it.
Direct Dial: 413-277-2171 • Fax: 866-638-8771

“The great aspect of commercial lending is working closely with diverse people and companies to figure out solutions for the business to grow, be more efficient and successful for the long-term. It provides a great sense of fulfillment.”

Scott has been in the banking industry since 1987. He started his career as a credit analyst and has experience in loan review, workout, small business lending and middle market commercial lending.  Prior to working at Country Bank, Scott worked at Berkshire Bank for approximately two years and TD Bank for eight years.

Scott has a BA in Economics from the College of Wooster. He currently serves as Treasurer on the Board of the Western Massachusetts Tooling and Machining Association which supports precision manufacturing companies and training programs throughout Pioneer Valley.  Also, Scott is a big supporter of several charities including the American Red Cross, Jimmy Fund, American Cancer Society and Friends of the Homeless.  He is also very active with the Boy Scouts of America and has served as an auction committee member for the annual goods and services auction for more than five years.


Rick Kowal website Richard A. Kowal
Vice President
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Direct Dial: 413-277-2067 • Fax: 413-967-0386

“The best part o f this job is the interaction with a very wide group of business customers who have all different types of businesses. I highly enjoy visiting customers’ place of business to see how their company works and the history behind the steps to their success. I also enjoy offering products and services that allows the customer to grow their business further.”

Rick started his banking career in 1988 and has been a Commercial Lender for the bulk of his career. He started his career in large institutional banks and soon looked to work at local community banks where decisions are handled locally and you are not just a number, but an actual person. Prior to working at Country Bank, he was employed at a local bank in North Central Connecticut.

Rick joined Country Bank in April of 2012. His expertise is in Commercial Lending for all types of businesses along with Real Estate Lending. Currently, he is a Commercial Lender covering Worcester County, Western Massachusetts and North Central Connecticut. His family owned a business in Chicopee, Massachusetts which helped him understand the needs of business owners.  Throughout the years, Rick has volunteered for many Non-Profit Organizations including Rotary International, several Chambers of Commerce in Western Massachusetts and North Central Connecticut, and on the Board of Directors of several Non-Profit Organizations.


Bryan Moore website

Bryan Moore 
Vice President 

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Direct Dial: 413-277-2073 • Fax: 866-638-8771

“The entrepreneurial spirit each business owner has is contagious, and being able to listen, make recomme ndations and work alongside a business owner towards mutual success is a thrill.”

Bryan started his banking career in 2006; working specifically with small businesses since 2007.  His expertise is Small Business Lending (SBA, MASSCAP).

In 2014, Bryan was inducted into the Assumption College Athletics Hall of Fame.  He is an active member in the community and serves as a Board Member of the Quaboag Hills Chamber of Commerce, Member of the Worcester Chamber of Commerce, Member of the Wachusett Area Chamber of Commerce, Member of the North Worcester Business Association, and a Member of the Worcester Young Businessmen's Association.


Darlene Mark websiteDarlene Mark
Vice President
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Direct Dial: 413-277-2063 • Fax: 866-638-8771

I love providing ideas and solutions to business customers that they would not otherwise have thought of. I like to look at their entire financial picture to come up with the best solution for them to accommodate their needs for both the short term and looking ahead to the future

Darlene started in the banking industry in 1998 at Country Bank. She began her career as a credit analyst before becoming a portfolio manager. She is currently the Senior Portfolio Manager and a Vice President. Darlene has her Master's Degree from Western New England University and is a graduate of the Stonier Graduate School of Banking program. She is also a Student Advisor for the Stonier Graduate School of Banking.


Jessica McGarry website

Jessica McGarry
Vice President
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Direct Dial: 413-277-2065 • Fax: 866-638-8771

“As a person, I am serious and diligent when it comes to my work. I take great pride in making sure my customers are well taken care of, with the right products, a high level of service, and a lender that is both qualified and caring.”

Jessica earned her Bachelor’s Degree in Business from Nichols College, was a recipient of the Forty Under 40 designation in 2014 from Worcester Business Journal, and was a member of Leadership Worcester, Class of 2015-2016. She has over 17 years of experience in banking and joined the Country Bank Commercial Lending Division in 2016.

Jessica is an active participant in the community. She serves on the Community Healthlink board; United Way of Central Massachusetts Women’s Initiative Membership committee; the steering committee for the Worcester Women’s Leadership Conference and is one of the co-founders of the Central Massachusetts Young Professionals Networking Group. She also regularly volunteers for Habitat for Humanity and the United Way of Central Massachusetts.


Celia Alvarado websiteCelia Alvarado
Small Business Lending Officer
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Direct Dial: 413-277-2064 • Fax: 413-523-0265

“Variety is the spice of life, and I love working with different businesses to learn about how they work- their challenges, their opportunities, and their experiences. Even better, my role as a business lender allows me to play an integral part in helping entrepreneurs reach their goals.”

Celia began her banking career in 2009, and has been in the financial services industry for over 14 years. She joined the Country Bank commercial team in 2014, her area of expertise is in working with small businesses. Celia’s passion is helping them to succeed, whether it is finding the right fit for their lending needs or working with them to support their business banking needs, Celia has it covered.

Celia is active in the Springfield Regional Community and is involved with a number of organizations including: Susan B. Komen – Race for the Cure, Junior Achievement Board of Directors, Rebuilding Springfield, Habitat for Humanity, Springfield Parent Academy, Worthington Soup Kitchen, and Girls Scouts of America.

Country Bank is a full-service, mutual savings bank with 14 branch locations helping the families and businesses of central and western Massachusetts. For the

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