NBT Bank
Joe Skundrich is a seasoned financial professional with extensive experience in product management and portfolio management. Currently serving as the Senior Vice President and Springstone Portfolio Manager at NBT Bank since February 2010, Joe oversees a national unsecured specialty lending portfolio that includes various loan offerings such as fertility loans, dental loans, K-12 tuition loans, learning center loans, hair restoration loans, and bariatric loans. Prior roles include Senior Product Manager at ESL Federal Credit Union and National Product Manager at CharterOne Auto Finance. Joe began the career at M&T Bank as VP Lease Product Manager and held a Senior Associate position at Armour Capital Associates. Academically, Joe holds an MBA in Accounting and Finance from American University and a BS in Finance from Indiana University of Pennsylvania.
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NBT Bank
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NBT Bancorp Inc. is a financial services holding company headquartered in Norwich, N.Y. The company primarily operates through NBT Bank, N.A., a full-service community bank and two financial services companies. NBT Bank has over 140 locations in seven states with offices in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. NBT Bank is an Equal Housing Lender and member of FDIC. EPIC Advisors, Inc., based in Rochester, N.Y., is a full-service 401(k) plan recordkeeping firm. NBT Insurance Agency, LLC, based in Norwich, N.Y., is a full-service insurance agency.