A Vice President in the commercial real estate finance group at M&T Bank for the past 13 years with over thirty years of experience in commercial banking, mortgage banking and capital markets financing. Primary lending focus is within the Mid-Atlantic region, however previous origination positions involved nationwide commercial real estate lending. Expertise includes loan origination, credit underwriting, portfolio management, loan servicing and compliance. Previous institutional employers include Citizens Bank, First Union Capital Markets, GMAC and Marine Midland Bank. Educational background includes undergraduate school at Millersville University and graduate school at the University of Delaware.