Richard Wayne is responsible for all of the bank's business divisions including the Northeast Community Banking Division, ableBanking, and the Loan Acquisition and Servicing Group. He also serves on the Board of Directors of Northeast Bank. Prior to joining Northeast, Mr. Wayne co-founded Capital Crossing Bank, in Boston, Massachusetts, where he served as its President and Co-Chief Executive Officer from 1991 until its sale in February 2007. Capital Crossing Bank was a national leader in the acquisition and management of commercial loans, purchasing over $2 billion of loans.
He holds a J.D. from Suffolk University Law School, a LL.M. in Taxation from Boston University School of Law and a B.S. in Accounting from Syracuse University.
Patrick Dignan is responsible for developing new lending opportunities and ensuring sound credit quality throughout all business lines. Prior to joining Northeast Bank in 2010, Mr. Dignan was a Senior Vice President with Capital Crossing Servicing Company and previously with Capital Crossing, a Division of Lehman Brothers Bank, and Capital Crossing Bank.
While at Capital Crossing, Mr. Dignan was the Director of Real Estate, and played a central role in the development of the firm's loan acquisition platform. Mr. Dignan holds a B.A. in Philosophy from St. John’s College, is a Fellow of the Royal Institute of Chartered Surveyors, and a member of the Counselors of Real Estate.
Dan Bagley is the Senior Vice President, Director of IT and is responsible for all areas of the bank’s information technology. Prior to joining Northeast Bank in April 2018, Mr. Bagley was a Director at Santander Bank for more than 8 years.
While at Santander Bank, Mr. Bagley was in charge of core banking systems for customer database, deposits, consumer loans, credit cards and mortgage. Earlier with Santander, Mr. Bagley assisted in the transformation of Sovereign Bank to Santander bank systems. Prior to joining Santander Mr. Bagley was a Senior Consultant with Grant Thornton LLP. Mr. Bagley graduated from Boston College with a BA in Business Management with concentrations in finance and accounting.
Robert Banaski is the Director of Community Banking at Northeast Bank. He is responsible for leading all aspects of retail banking, mortgage banking, and commercial lending throughout Maine.
Mr. Banaski brings to Northeast Bank over 30 years of diverse experience in the financial services industry. Before joining Northeast Bank, Mr. Banaski was the Chief Administrative Officer at Admirals Bank, where he was responsible for leading the day-to-day operations of the company, including mortgage and commercial lending; retail banking; operations; and technology. Prior to that, Mr. Banaski held senior operating management roles at Capital Crossing Servicing Company, LLC, and its predecessor firms: Capital Crossing, a Division of Lehman Brothers Bank; and Capital Crossing Bank.
Mr. Banaski attended Southern New Hampshire University, graduating with a Bachelor of Science in Business Administration.
Cheryl Brandt is the Director of Retail Banking, which includes oversight of banking center sales and support staff across nine locations in western, central, and southern Maine.
Prior to joining Northeast Bank, Ms. Brandt started her banking career in Maryland and has served as a member of the senior leadership teams at both Gorham Savings and Kennebec Savings Bank in Maine. While at these banks, Ms. Brandt assumed a variety of responsibilities including all aspects of managing the retail banking division, wealth management, small business lending, community development and marketing.
Meegan Casey is a Senior Vice President, Legal Counsel at Northeast Bank and is responsible for overseeing the legal aspects of the loan acquisition business line and the Bank’s commercial and managed loan portfolios nationwide.
Prior to joining Northeast Bank in 2019, Meegan spent five years as a Vice President, Legal Counsel at Capital Crossing Servicing Company overseeing all legal aspects of loan acquisitions and asset management nationwide and in Puerto Rico. Prior to Capital Crossing, Meegan spent ten years at Riemer & Braunstein, LLC, ultimately as a Litigation and Bankruptcy Partner, concentrating her practice representing secured creditors in litigation, in Massachusetts and New York, and Bankruptcy nationwide. Meegan is admitted to practice law in Massachusetts and New York.
Meegan earned her B.S., magna cum laude, from James Madison University in 1997 and her law degree from Northeastern University in 2000.
Chris Delamater has been with Northeast Bank for 20 years and is responsible for all advertising, communications, investor relations and charitable donation functions, supporting the bank’s local and national efforts.
Mr. Delamater graduated from Coastal Carolina University with a B.S. in Marketing and obtained an MBA from the University of Southern Maine.
Brian Doherty is the Senior Vice President, Director of Relationship Management, managing all aspects of the Bank’s Lender Finance business.
Prior to joining Northeast Bank in August, 2018, Mr. Doherty was a Vice President & Team Leader at Capital Crossing Servicing Company and its predecessor firm Capital Crossing, a Division of Lehman Brothers Bank.
While at Capital Crossing, Mr. Doherty worked in asset management and underwriting, with a specialized focus on complex credit resolution. Before joining Capital Crossing, Mr. Doherty was an Asset Manager at MassHousing, a quasi-public agency charged with providing financing for affordable housing in Massachusetts. Mr. Doherty graduated from Babson College in Wellesley, Massachusetts with a B.S. in Business Management in 2002.
Brian Fenwick is the Managing Director of Loan Underwriting, managing all aspects of credit underwriting in connection with loan purchases and originations in the Loan Acquisition and Servicing Group. Prior to joining Northeast Bank in January, 2011, Mr. Fenwick was an Assistant Vice President at Capital Crossing Servicing Company and previously Capital Crossing, a Division of Lehman Brothers Bank, and Capital Crossing Bank.
While at Capital Crossing, Mr. Fenwick worked in business development, underwriting and asset management. Before joining Capital Crossing, Mr. Fenwick was an Account Executive at GreenPoint Mortgage Funding, a subsidiary of Capital One. Mr. Fenwick graduated from Trinity College in Hartford, Connecticut with a B.A. in Economics in 2002.
Sol Garber is the Senior Vice President of Business Development and is responsible for growing our national lending business.
Prior to joining Northeast Bank in March 2020, Mr. Garber was a Director at Rialto Capital Management, LLC.
While at Rialto Capital, Mr. Garber was responsible with fellow primary originators for direct balance sheet lending initiatives for multiple commercial real estate debt vehicles. Mr. Garber has also held roles at Atalaya Capital Management LP, and LNR Partners, LLC. Mr. Garber received a BS from Cornell University in Ithaca, New York in 2004.
Lindsay Guttell is a Senior Vice President, Senior Asset Manager at Northeast Bank, overseeing all aspects of the Bank’s commercial and managed loan portfolios nationwide.
Prior to joining Northeast Bank in 2011, Ms. Guttell held the role of Vice President at Capital Crossing Bank in Boston where she managed a national loan portfolio.
Ms. Guttell graduated from The University of Massachusetts at Amherst in Amherst, MA with a degree in Finance in 2005.
Christopher Hickey is the Director of Asset Management at Northeast Bank, overseeing all aspects of the Bank's commercial and managed loan portfolios nationwide. With over 22 years of experience in banking and asset management, he possesses an extensive loan servicing background, completing or overseeing a wide range of resolution transactions all across the country and including most asset classes. He is also experienced in foreclosure, liquidation and bankruptcy proceedings.
Prior to joining Northeast Bank in 2010, Christopher held various senior management positions at Capital Crossing Servicing Company and its predecessor firms, most recently as a Senior Vice President and Director of Asset Management. Prior to joining Capital Crossing in 1998, he worked at the former Bank of New England, Recoll Management, and Fleet National Bank. He holds a B.A. in history from Bates College in Lewiston, Maine.
Heidi Jacques oversees all aspects of human resources including talent management, compensation, employee benefits, and training. She works with hiring managers and the local community to communicate job opportunities and support employee growth. Ms. Jacques joined Northeast Bank from ING in Lewiston where she was Senior Human Resources Business Partner, overseeing the performance management, new hire orientation, and employee relations efforts for over 1,100 employees. She began her career in human resource consulting, working with a variety of businesses to fulfill employee hiring, orientation, and training needs.
Ms. Jacques was a Senior Human Resources Manager for AGERE Systems (formerly Lucent Technologies/AT&T), where she planned and directed human resource programs for two business units consisting of over 800 employees. She is an active member of the Lewiston/Auburn community, and has held leadership positions with the Central Maine Human Resources Association. She is also a member of the planning board for the Wellness Council of Androscoggin County. Ms. Jacques has a B.S. in Business Administration from the University of Southern Maine and has completed master's coursework in Human Resources Management at Rutgers University. In addition, she has obtained Certifications in Human Resource Management from Rutgers and Cornell University.
Julie Jenkins is responsible for oversight of the Loan Servicing, Deposit Operations, Information Technology and Customer Contact Center departments of the Bank. She ensures that all operational components are running effectively and remain current with ongoing compliance, risk management, and technology updates. Prior to becoming Director of Operations, Ms. Jenkins was the Director of eBanking Strategic Initiatives. In that role, she was responsible for developing and implementing the operational and technical processes to support the Bank’s affinity banking strategy. This included managing the various third party relationships hired to develop the new website, integrating the technical components of the website with the Bank’s current technology platform, streamlining the online account opening process, and the development of internal controls to ensure this channel remains compliant with the current regulations.
Prior to joining Northeast Bank, Ms. Jenkins was at Sovereign Bank, where she led a team of internal consultants for its parent, Banco Santander, who were responsible for planning, organizing and implementing enterprise-wide new technology systems for the company. Ms. Jenkins has held senior operations and technology positions at Mt. Washington Bank and Abington Savings Bank. She earned her B.A. in Management from Assumption College in Worcester, Massachusetts.
Kerry A. Kearn-Kawai is a Senior Vice President, Legal Counsel at Northeast Bank, and is responsible for leading and overseeing all legal aspects of the originations business line in the Loan Acquisition and Servicing Group.
Prior to joining Northeast Bank in 2017, Kerry was a senior associate and then senior counsel at Seyfarth Shaw LLP where she split her time in the corporate and finance practices of the law firm. Kerry was at Seyfarth Shaw LLP for 13 years. Prior to Seyfarth Shaw LLP, Kerry worked at Goodsill Anderson Quinn and Stifel LLP in Honolulu, Hawaii as an associate in the firm’s corporate law group.
Ms. Kearn-Kawai graduated from Columbia University in New York, New York in 1998 and then graduated from Northeastern University School of Law in Boston, Massachusetts in 2001.
JP Lapointe is responsible for the bank's finances and accounting.
He joins the bank directly from Wolf & Company, P.C. where he worked since 2004, serving most recently as the Senior Audit Manager in their external and internal audit practices. His responsibilities at Wolf & Company, P.C. included providing professional audit services to clients in the financial services sector. Mr. Lapointe is a certified public accountant and received a B.S. and a M.S. in Accountancy from Bentley University and Western New England University, respectively.
Jon Levirne is the Senior Vice President of Business Development and is responsible for growing our national lending business. Prior to joining Northeast Bank in October 2016, Mr. Levirne was the Managing Director at Edgewood Capital for more than 13 years.
While at Edgewood Capital, Mr. Levirne helped build the real estate lending platform to over $500 million under management of both debt and equity investments. He has held board positions in NAIOP and the Real Estate Finance Association of CT and currently serves on the Board for the Center for Wellness and Education, a not for profit focused on providing nutritional services to cancer patients and Argentina's hungry. Mr. Levirne received a BA in government from Wesleyan University.
Theresa Morrison is the Director of Real Estate Valuation, managing all aspects of commercial real estate valuation in connection with loan originations, acquisitions, and servicing. Prior to joining Northeast Bank in April, 2010, Ms. Morrison was a Vice President at Capital Crossing Servicing Company and its predecessor firms: Capital Crossing, a Division of Lehman Brothers Bank, and Capital Crossing Bank.
While at Capital Crossing, Ms. Morrison held a senior position in the Real Estate Department, managing real estate due diligence projects for loan portfolio acquisitions, as well as an ORE portfolio. Prior to working at Capital Crossing, Ms. Morrison was an associate at JPMorgan Chase in New York. Ms. Morrison graduated from George Washington University in Washington, DC, with a B.B.A. in Finance in 1999.
Jerry Murphy is a Senior Vice President within the Commercial Underwriting department, responsible for the acquisition and underwriting of commercial real estate loans for Northeast Bank. Prior to joining Northeast in April, 2015, Mr. Murphy was an Executive Vice President / Chief Lending Officer at Admirals Bank where he managed all aspects of the bank’s commercial mortgage loan portfolio, including management of the acquisitions, asset management, environmental, underwriting and valuation departments.
Prior to Admirals Bank, Mr. Murphy served as the Vice President of Commercial Underwriting at Capital Crossing, where he analyzed, underwrote, and valued commercial loans for acquisition and origination. Mr. Murphy graduated with a B.S. in Accounting with honors from Bentley College and earned his Certified Property Manager (CPM) Designation from the Institute of Real Estate Management in Chicago, IL.
Kelly Palmer is the Director of Credit Administration, and is responsible for the implementation and oversight of sound credit quality management of the Bank’s loan portfolio. Prior to joining Northeast Bank in September of 2013, Ms. Palmer was a Senior Internal Auditor at Wolf & Company, P.C., a public accounting firm specializing in the banking industry, working in both internal and external audit.
Ms. Palmer graduated from Mount Holyoke College in 2007 with a B.A. in Computer Science and Bentley University in 2008 with a M.S. in Accounting.
Brian Pinheiro is responsible for implementing and maintaining Northeast Bank’s enterprise risk management processes. Enterprise risk management facilitates the Bank’s analysis of risks and controls across all of its business lines.
Prior to joining Northeast Bank, Mr. Pinheiro served as Managing Director at Corporate Finance Group, Inc. (CFGI) where he provided consulting services to financial institutions and banking clients. Before his position at CFGI, he was an Audit Manager in the Financial Services practice at Deloitte & Touche, Boston.
Mr. Pinheiro received a B.S. and M.S. in Accountancy from the University of Massachusetts at Amherst. He is a Certified Public Accountant licensed in the Commonwealth of Massachusetts.
Sarah Shomphe is the Director of Owned Real Estate, managing the oversight and disposition of all bank-owned assets. She is also a senior member of the real estate team, providing valuation and risk analysis work in connection with loan originations, acquisitions, and servicing. Prior to joining Northeast Bank in April, 2010, Ms. Shomphe was an Assistant Vice President at Capital Crossing Servicing Company and its predecessor firms: Capital Crossing, a Division of Lehman Brothers Bank, and Capital Crossing Bank.
While at Capital Crossing, Ms. Shomphe worked in the Real Estate Department, performing real estate due diligence and managing a portfolio of owned real estate. Prior to working at Capital Crossing, Ms. Shomphe served as Senior Associate at Taymil Partners LLC, a New England-based multifamily investment and management company. Ms. Shomphe graduated with a B.S. in Economics from The Wharton School at the University of Pennsylvania in 2002.
Jack Sullivan is a Senior Vice President of Asset Management at Northeast Bank, overseeing all aspects of the Bank’s commercial and managed loan portfolios nationwide.
Prior to joining Northeast Bank in 2011, Mr. Sullivan held roles at Anglo Irish Bank and Colliers International where he worked as a debt placement analyst.
Mr. Sullivan graduated from Bentley University in Waltham, MA with a degree in Finance in 2008.
Tim Tower is Senior Vice President of Business Development, responsible for growing our national lending business. Mr. Tower joined Northeast Bank in 2005 and has more than 30 years of commercial lending and credit experience.
Prior to joining Northeast Bank, Mr. Tower received formal credit training from a large, regional bank and held a variety of commercial lending and loan management positions with private and public commercial banks. Mr. Tower holds a bachelor’s degree in economics from Holy Cross College.