Joseph Kenney
Concord,NH
Summary
Dynamic and results-driven banking executive with a proven track record in commercial banking and lending. A strategic leader adept at driving portfolio growth, developing innovative lending programs, and fostering high-performance sales teams. Passionate about empowering professionals with the tools, training, and accountability needed to excel. Since joining BankProv in 2012, led the expansion and diversification of the loan portfolio from $377 million to currently $1.3 billion by leveraging existing markets and pioneering specialized niche lending programs, including Business Acquisition, Mortgage Warehouse, Renewable Energy, and International Trade. Recognized for visionary leadership and the ability to identify growth opportunities, optimize lending strategies, and drive sustained success in a competitive financial landscape.
Overview
28
28
years of professional experience
Work History
Chief Lending Officer, Executive Vice President
BankProv.
12.2021 - Current
- Executed the strategic planning and growth of the lending department by setting the direction and providing objectives and goals that would be used to measure the progress
- Led market expansion efforts, identifying and pursuing new lending opportunities to grow the loan portfolio, resulting in an increase in commercial lending activity
- Engaged directly with the Board of Directors, providing strategic insights on lending performance, market opportunities, risk management, and regulatory compliance
- Represented commercial lending operations in Board meetings to ensure alignment with overall bank strategy
- Interacted directly with the Board of Directors on budget and new or regulatory initiatives within the state to ensure compliancy and bank policies were followed and enforced
- Managed the regulatory body and exam by enforcing regulations that implemented requirements, criteria, and/or prohibitions establishing the standard for actions and enforcing or gaining conformity in these areas
- Increased revenue and growth goals for the bank and influenced the marketing strategies by developing the budget to tie into the strategic plan and direction of the bank, including loan policy and procedures
- Led, mentored, and developed the lending team, fostering a culture of collaboration, accountability, and customer focus
- Provided coaching and training programs to support commercial lenders in achieving their goals and professional growth
- Leveraged data-driven decision-making to analyze lender and portfolio performance, providing insights to align with the strategic plan and portfolio growth
- Engaged with internal and external auditors to ensure regulatory compliance and maintain asset quality within the loan portfolio
- Proactively addressed audit findings, implemented corrective measures, and strengthened risk management practices to uphold the bank’s credit standards and operational integrity
- Chair the bank’s Internal Credit Committee, leading the loan approval process by evaluating credit risk, portfolio impact, and strategic alignment
- Played a key role in approving complex credit structures, ensuring sound underwriting practices, and maintaining a balanced risk-reward approach to portfolio growth
- Provided direction and leadership for up to 12 commercial lenders.
Director of Commercial Lending, Senior Vice President
BankProv.
02.2019 - 12.2021
- Assisted the Chief Lending Officer with the strategic direction of the bank by successfully identifying problem areas, establishing vision and focus that improved the inefficiencies that drove and directed initiatives to achieve desired success increasing sales and overall profitability
- Employed effective coaching techniques holding Lending Staff accountable for their performance to reach desired goals to be consistent in the implementation of strategies designed to improve sales and service
- Orchestrated creative methods of the Loan Operations Group with a focus on process improvements that would streamline core banking operations, which afforded a huge cost and time savings
- Established and managed the operations of the lending divisions of the Bank encompassing all the functions performed by the back office to support the bank’s trading activities resulting in successful portfolio growth
- Strengthened the bank’s business by leading any implementation of cost savings measures that achieved overall financial success
Commercial Team Leader, Senior Vice President
BankProv.
04.2014 - 12.2019
- Developed and manage a group of commercial loan officers in Southern New Hampshire covering from Concord NH through Nashua NH increasing the total bank loan portfolio by 10%, bringing it to $1.12 billion
- Strategized a plan for the Southern New Hampshire marketplace by focusing on additions to staff and new office locations within the market
- Generated new loan growth for the team of commercial loan officers, along with a personal loan production goal that increased the bank’s portfolio
- Reduced the risk within the commercial loan portfolio by balancing the type of loans between commercial and industrial loans, including commercial real estate loans
Commercial Loan Officer, Vice President
BankProv.
10.2012 - 04.2014
- Assigned to foster the development of the Bank’s commercial and industrial lending program and brought it from $0 to $29 million within one year by recruiting, training, and grooming a strong team
- Achieved established goals by organically producing loan origination and a commercial loan portfolio that included renewals and annual reviews
Commercial Loan Officer
People's United Bank
08.1997 - 10.2012
- Consistently exceeded sales targets by actively pursuing new business opportunities within assigned territory.
- Demonstrated expertise in various types of commercial loans including SBA, construction, term, lines of credit, and equipment financing options available to businesses.
Education
Bachelor of Science - Business Administration
Southern New Hampshire University (SNHU)
Manchester, NHSkills
- Strategic Planning & Analysis
- New Business Development
- Portfolio Profitability
- Training & Development
- Client Needs Analysis
- Follows Industry Trends
- Operational Management
- Customer Relations & Retention
- Strategic Planning & Analysis
- Cross-Team Development
- Relationship Management
- Regulatory Compliance
Communityleadership
- Board Member of the Granite YMCA
- Board Member of the Friend of the Manchester Animal Shelter
Timeline
Chief Lending Officer, Executive Vice President
BankProv.
12.2021 - Current
Director of Commercial Lending, Senior Vice President
BankProv.
02.2019 - 12.2021
Commercial Team Leader, Senior Vice President
BankProv.
04.2014 - 12.2019
Commercial Loan Officer, Vice President
BankProv.
10.2012 - 04.2014
Commercial Loan Officer
People's United Bank
08.1997 - 10.2012
Bachelor of Science - Business Administration
Southern New Hampshire University (SNHU)
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