Commercial & SBA Lending

Whatever your financial needs, our team of lending professionals can configure a custom solution - with fast, local decision-making.

Commercial Lenders

Whit Holden

Whit Holden 
Vice President, Commercial Loan Officer 

NMLS# 1440924

Whit has over 20 years of experience in the financial services industry and he joined the Bank in 2015. He specializes in commercial real estate, small business lending, and franchise financing. A lifelong Fairfield County resident, Whit received a Bachelor of Arts degree from Johns Hopkins University. He currently serves as Treasurer for the McGivney Community Center in Bridgeport, and previously served on the Resource Development Committee of the United Way of Western Connecticut. 

Photo of Vinny DiGilioVinny DiGilio
Vice President, Commercial Loan Officer
NMLS# 764718

Vinny joined the Bank in 2018 and has over 12 years of experience. He has a Bachelor of Business Administration from Western Connecticut State University, and graduated from the Connecticut Bankers Association's Connecticut School of Finance and Management. Vinny received the New Leaders in Banking award in 2016 and currently resides in Danbury.

Ray Fed Commercial Loan Officer

Ray Fed
Vice President, Commercial Loan Officer
NMLS# 2542195

Ray has over 20 years of credit and lending experience and 15 years of experience in the banking industry. He has extensive knowledge in residential real estate, C&I, portfolio management, as well as loan origination and underwriting. 

Lars headshotLars Edgren
Vice President, Commercial Loan Officer
NMLS# 2094802

Lars joined the bank in 2021 as an experienced commercial real estate professional with over 37 years of commercial real estate lending, underwriting and portfolio management experience.   He has a bachelor’s degree from the University of Connecticut and is a long time Beacon Falls resident.

Margot Melass
Margot Jane Melaas
Vice President, Commercial Loan Officer
 NMLS# 1064058

With over 25 years of commercial lending experience, Margot joined the Bank in 2000 and specializes in construction financing. She is a graduate from Western Connecticut State University and New England School of Banking. Margot is an active member of the Tribury Chamber of Commerce. She is a resident of Woodbury and volunteers with the Woodbury Junior Women's Club.

Small Business Lender

Headshot of Matt MihalcikMatthew Mihalcik
Assistant Vice President, Small Business Relationship Manager
NMLS# 592727

Matt has been with the Bank since 2015.  Prior to joining the Commercial Banking team in 2020, he worked in our Southbury and Plaza South branches.  Matt is a Newtown resident and is active in local government serving on the Town Legislative Council.  Matt also serves on the board of the Newtown Chamber of Commerce, Pomperaug Woods and the Southbury Business Association.  He is also a SCORE business mentor.

Headshot of Peter GerardiPeter Gerardi
Vice President, Small Business Relationship Manager
NMLS# 178959

Pete started at the Bank in 2016.  Prior to joining the Small Business Team, he worked in our Shelton and Brookfield branches.  Pete is a Brookfield resident and is actively involved in supporting the community by being involved with the Brookfield Economic Development Commission and the Regional Y of Western CT.

Senior Commercial Lending Officer

Mary JaschaMary Jascha
First Vice President, Senior Commercial Lending Officer
NMLS# 1099166

Mary joined the Bank in 2013 and has over 30 years of experience. She specializes in asset based lending. Mary has a Bachelor of Science in Economics and Business Administration. She also volunteers with the United Way and resides in Monroe.