Since we opened our doors in 1901 we’ve developed the experience and expertise to better understand what our clients need to be successful. Put that knowledge to work and discover what is possible when the focus of an award-winning firm is on YOU.Baystate Financial has built a reputation for helping its clients gain clarity, leverage and financial independence. Clarity with regard to what having wealth means to them; leverage with regard to the ways they integrate and coordinate their assets and income to build, protect and distribute wealth in an efficient and effective manner; and financial independence with the knowledge that they have made informed and appropriate decisions appropriate for the complex financial lives they tend to lead.Baystate is headquartered in Boston MA, and has 16 office locations throughout New England with over 600 employees. Baystate Financial specializes in many things such as financial planning, business and estate planning, retirement planning, as well as a variety of protection and investment products.“We believe that Baystate Financials greatest strength is its network of talented people, the passion they have for their work, and the collaborative culture they embrace. All across New England, our associates make us a best place to work. Our focus always is to foster an environment that encourages their best thinking and supports their personal and professional development so that we bring the best to each other and to our clients day in and day out,” David C. Porter, Managing Partner.We are proud to announce that Baystate Financial was voted one of the Top Places to Work again. This is the 9th time we have achieved this recognition. The honor recognizes the company’s achievements in creating a positive work environment that attracts and retains associates through a combination of associate satisfaction, working conditions and company culture.

I help set a comprehensive financial strategy to help set people on the path towards success. I provide an analysis of your unique financial situation to help identify your goals and any areas of concern. If any gaps exist between where you want to be in the future and your financial snapshot, I advise on solutions to fill the gaps. There are a lot of moving pieces when trying to achieve your goals. Whether it’s saving for retirement, preparing for important milestones, or taking on the responsibility of protecting your family, I will provide insight and attentiveness to make sure you’re set up for success. Contact me to discuss if I can be a resource for you. I provide to individuals & families: • Ongoing Advisory Services • Retirement Analysis & Programs • Investment Analysis & Programs• Trust Review Services• Estate Strategies • Insurance Solutions Business Planning:• Competitive Benefit Programs • Key Employee Retention Plans• Strategic Planning• Identify Growth Strategieshttps://www.commonwealthfinancialgroup.com//licenses/

Worked on a bank wide project to implement the process that would allow the bank to begin to offer unsecured, overdraft, and auto loans.

As a Construction to Permanent Associate, duties include ensuring the loan is in compliance with bank policy and that the financial documentation is consistent with secondary market guidelines. Analyze income and LTV ratios and make certain that timely construction disbursements are paid on completed projects per the construction budget. Additional responsibilities involve: managing POS and LOS origination systems; originate and manage a portfolio of HELOCs; assuring loans are in the best interest of the bank.

The Loan Analyst position requires analyzing income for potential borrowers and reviewing appraisal to confirm collateral has sufficient equity. Originating and managing a pipeline of HELOCs is another important function of the Analyst. Other tasks include underwriting and generating Commitment Letters for HELOCs, processing a wide product range of conventional loans, acquiring documentation per the conditional approval, and reviewing and clearing conditions.

Guides customers from application through closing. Discloses terms and fees for the loan through the Loan Estimate and performs initial review for compliance with TILA/RESPA and other regulations. Evaluates relevant investor guidelines that are to be sold on the Secondary Market. In addition, tracks incoming loans as well as financing contingencies and other dates essential to closing the loan. Preparation to explain terms/fees of the Loan Estimate or Closing Disclosure to the borrower is a key component of the Loan Production Assistant Function.

Procured leads through in-person interactions at trade show exhibitions. Perform site visits for home evaluation and present estimates.