Ray serves as Senior Vice President, Commercial Loan Officer for Mascoma Bank working with customers in our Northern Region.
He began his banking career as a commercial loan officer trainee with Durfee-Attleboro Bank in Fall River, Massachusetts, in 1987. Subsequently, he worked for a few banks in Massachusetts before landing at Connecticut River Bank in New Hampshire prior to joining Mascoma Bank in August 2014. Ray earned his B.A. from Fordham University and his B.S. from the University of Massachusetts, plus completed banking degrees at the New England Bankers School of Banking at Williams College and the Massachusetts Bankers School of Commercial Lending at Babson College. Here in New Hampshire he enjoys the great opportunity for outdoor recreation, including hiking, skiing, snowshoeing.
Giving back to the community is an important part of Ray’s outlook. He has served as a director of the Littleton New Hampshire Rotary Club, a Trustee of the Trust Funds for the town of Sugar Hill, New Hampshire, and as a board member and Treasurer for the Ammonoosuc Conservation Trust.
Ray has experience with commercial and industrial lending, developmental real estate, commercial mortgage loans, renewable energy lending, and SBA loan products. He specializes in commercial lending within the framework of community banking.