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Thomas Ratsep

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Thomas Ratsep

Senior Vice President - Senior Risk Officer | Senior Credit Officer | Ballston Spa National Bank

United States

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Thomas Ratsep

Summary

Thomas Ratsep is a seasoned banking professional with over 30 years of experience, currently serving as the Senior Vice President and Senior Risk Officer at Ballston Spa National Bank. His extensive expertise spans across various areas including commercial banking, credit analysis, risk management, and strategic planning. Thomas has held leadership roles in multiple organizations, showcasing his ability to manage teams and drive business growth. He has been instrumental in enhancing loan policies and risk management frameworks within the institutions he has worked for. Aside from his banking career, he also serves as Director and Treasurer for the Veterans And Community Housing Coalition. His educational background includes advanced banking studies from prestigious institutions such as the ABA Stonier Graduate School of Banking. Thomas is known for his analytical skills and strategic mindset, making him a valuable asset in any financial setting.

General

Specialist

Technical Background

Leadership Experience

Long-Term Tenure

Professional interests

Industry-specific interests

Leadership Development

Innovation

Organisational experience

Corporate Experience

Non-Profit Experience

Thomas Ratsep

Work Experience

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Senior Vice President - Senior Risk Officer | Senior Credit Officer at

Ballston Spa National Bank

January 2024 - Present

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Director / Treasurer at

Veterans And Community Housing Coalition

January 2006 - Present

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Senior Vice President - Senior Credit Officer at

Ballston Spa National Bank

March 2022 - January 2024

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Vice President, Senior Credit Administration Manager at

Arrow Financial Corporation

May 2018 - March 2022

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Member of Capital District Regional Loan Committee at

Pursuit Spe LLC

February 2018 - July 2018

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Vice President, Commercial Banking Manager at

Ballston Spa National Bank

September 2016 - May 2018

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Senior Vice President, Corporate Banking Manager at

Saratoga National Bank & Trust Company - Saratoga Springs

January 2015 - September 2016

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Senior Vice President at

Adirondack Trust Company

July 2005 - January 2015

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Senior Vice President - Credit Administration at

Ballston Spa National Bank

April 2002 - July 2005

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AVP - Credit Department Manager, Commercial Loan Officer, Portfolio Manager, Senior Credit Analyst at

Banknorth

April 1996 - April 2002

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Senior Credit Analyst, Corporate Loan Review Analyst, Credit Analyst I, II at

Evergreen Bank

March 1991 - March 1996

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Thomas Ratsep

Education

ABA Stonier Graduate School of Banking at University of Pennsylvania

January 2007 - January 2009

New England School of Banking at Williams College

January 1998 - January 1999

University of Vermont, B.S.

January 1986 - January 1990

Frequently Asked Questions about Thomas Ratsep

What is Thomas Ratsep email address?

Thomas Ratsep's primary email address is *************@bsnb.com. To view the full verified email and additional contact details, sign up for free with Muraena.

What company does Thomas Ratsep work for?

Thomas Ratsep is a Senior Vice President - Senior Risk Officer | Senior Credit Officer at Ballston Spa National Bank, a company specializing in National commercial banks.

Where Thomas Ratsep graduated from?

Thomas Ratsep holds a degree in from ABA Stonier Graduate School of Banking at University of Pennsylvania.

How can I directly contact Thomas Ratsep?

To contact Thomas Ratsep directly, you can use the email address *************@bsnb.com. Complete contact information is available upon registration with Muraena.

Who is Thomas Ratsep?

Thomas Ratsep is a seasoned banking professional with over 30 years of experience, currently serving as the Senior Vice President and Senior Risk Officer at Ballston Spa National Bank. His extensive expertise spans across various areas including commercial banking, credit analysis, risk management, and strategic planning. Thomas has held leadership roles in multiple organizations, showcasing his ability to manage teams and drive business growth. He has been instrumental in enhancing loan policies and risk management frameworks within the institutions he has worked for. Aside from his banking career, he also serves as Director and Treasurer for the Veterans And Community Housing Coalition. His educational background includes advanced banking studies from prestigious institutions such as the ABA Stonier Graduate School of Banking. Thomas is known for his analytical skills and strategic mindset, making him a valuable asset in any financial setting.

Thomas`s contact details

mail

*************@bsnb.com

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