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Thomas Ratsep
Thomas Ratsep
Senior Vice President - Senior Risk Officer | Senior Credit Officer | Ballston Spa National Bank
United States
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.
Thomas Ratsep
Work Experience
Senior Vice President - Senior Risk Officer | Senior Credit Officer at
Ballston Spa National Bank
January 2024 - Present
Director / Treasurer at
Veterans And Community Housing Coalition
January 2006 - Present
Senior Vice President - Senior Credit Officer at
Ballston Spa National Bank
March 2022 - January 2024
Vice President, Senior Credit Administration Manager at
Arrow Financial Corporation
May 2018 - March 2022
Member of Capital District Regional Loan Committee at
Pursuit Spe LLC
February 2018 - July 2018
Vice President, Commercial Banking Manager at
Ballston Spa National Bank
September 2016 - May 2018
Senior Vice President, Corporate Banking Manager at
Saratoga National Bank & Trust Company - Saratoga Springs
January 2015 - September 2016
Senior Vice President at
Adirondack Trust Company
July 2005 - January 2015
Senior Vice President - Credit Administration at
Ballston Spa National Bank
April 2002 - July 2005
AVP - Credit Department Manager, Commercial Loan Officer, Portfolio Manager, Senior Credit Analyst at
Banknorth
April 1996 - April 2002
Senior Credit Analyst, Corporate Loan Review Analyst, Credit Analyst I, II at
Evergreen Bank
March 1991 - March 1996
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
*************@bsnb.com
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Senior Vice President
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