I posses more than 20 years in the areas of Business Banking and Commercial Lending. The most rewarding aspect of functioning in these roles is to support local clients, businesses and builders/developers achieve their pre-stated business objectives which typically serve our local communities with needs varying and the the experience different for each opportunity.
Following many years of increasing regulation which strains financial institutions both operationally as well as from a profitability perspective, it seems that the current environment may allow for less regulation, reduced operating costs and perhaps influence the merger and acquisition landscape for the industry. For someone seeking a first time loan, I would recommend that they know their business and borrowing needs well, ask lots of questions, surround themselves with knowledgeable and engaged internal and external business partners and explore the help and benefits available through the SBA.
I support a few local non-profit organizations and routinely involved with a few arts/museum organizations in either a member or board/Trustee capacity.
Outside of work, I enjoy travel and have a keen interest in New England landscape photography.
The best piece of financial advise I ever received was when I was in my twenties from an Uncle who said never invest in a company with a P/E Ratio higher than 20.
For me, the best definition of success is when a relationship transaction is successfully developed and completed and when the customer is so thrilled by the process and outcome, that they directly rerefer and recommend me to others with commercial banking needs.
“The experience working with Michael was excellent. I really appreciate working with him!”
– Business Customer
