Mr. Henkin joined Cobblestone Management in 2015 after 22 years of experience in banking and bank risk management consulting. Kevin’s background in credit began with Shawmut/Fleet Bank with experience in small business scored underwriting and creating the commercial lending compliance platform for the small business lending division. This was followed by joining Citizens Bank in their formal credit training program, after which he served in the roles of underwriting and portfolio manager at the middle market level. This experience was augmented with several years of loan review consulting in New England where he worked with small community banks as well as regional banks. During the 8+ years prior to joining Cobblestone Management, Kevin was responsible for the credit function at several community banks, most recently as Chief Credit Officer at a fast-growing bank in Massachusetts. Mr. Henkin has deep experience in underwriting, stress testing, board reporting, CRA compliance and consulting with banks under specific regulatory actions. Mr. Henkin has a degree in psychology from Assumption College and an MBA from Boston College.
Chief Executive Officer
Mr. Berlinghieri has been with Cobblestone Management since 2011 after 35 years of experience in lending and credit administration with large and small banks focusing on commercial real estate and C&I loans. He began his banking career in 1973 with Bank of Boston’s factoring division and 1976 he joined New England Merchants National Bank / Bank of New England, rising through the commercial lending ranks to Vice President and Team Leader. Upon the acquisition of Bank of New England by Fleet Bank in 1991, Mr. Berlinghieri was the Senior Risk Manager for two Middle Market lending teams. In 1995, he joined the Commonwealth of Massachusetts to manage an economic development fund, providing financing to companies unable to obtain conventional bank financing. From 1996 to joining Cobblestone, Mr. Berlinghieri was in senior credit positions with several community banks. Mr. Berlinghieri is a graduate of Suffolk University earning a BSBA (Finance and Banking Major) and MBA.
Mr. Carpinella has 30 years of experience in commercial lending, loan review and bank examination. He began his banking career with Capital Bank and Trust Company in Boston in loan review and workout. He then spent three years as a Bank Examiner for the OCC. His experience since then has included loan review at Citizens Bank and as an SVP Commercial Relationship Manager for People’s United Bank in Worcester. Mr. Carpinella has degrees in Economics and Marketing from Boston College.
Loan Review and Asset Liquidations Consultant
Mr. Goyette began his banking career with Shawmut Bank in 1994 (converting to Fleet Bank post-merger). In 1998, he shifted to the Retail Finance Group as an Asset Based Lending Analyst and served in that role for five years. From there, he shifted his focus into conducting appraisals and orderly liquidations of loan collateral inventory and machinery/equipment for a variety of community banks. Mr. Goyette brings a wealth of knowledge in commercial lending and C&I risk management to our client base. He is a graduate of Framingham State University and has an MBA from Nichols College.
Eric “Mike” Hughes
Mr. Hughes became a banking consultant with Cobblestone Management in 2002 after twenty years of experience with Shawmut Bank, the Bank of Braintree, Hibernia Savings, First Federal Savings Bank and Commerce Capital Group in California. His expertise lies in reviewing commercial loan portfolios and training of client personnel for in-house credit analysis. He also has deep experience and expertise in providing M&A due diligence for client banks and also performs appraisal reviews. Mr. Hughes is a graduate of the United States Naval Academy and has an MBA from Boston University.
Loan Review Consultant
Mr. Jezard joined Cobblestone in May of 2017. He began his financial services career in 2012 as a Lead Analyst for Minuteman Equity Fund, serving in that role until 2015. From 2016 to 2017, he worked as a Commercial Credit Analyst for Rockland Trust. Mr. Jezard has a B.A. in Business Administration from UMass Amherst.
Ms. Lawless has been with Cobblestone Management for over twenty years, during which she helped to develop the company’s commercial credit based philosophy of risk rating management. Prior to Cobblestone Management, she served as a community banking lender for ten years at Bay Banks, Inc., Shawmut Corporation and Bank of New England. Ms. Lawless has developed business, managed commercial bank customers and supervised lending groups. She performs loan reviews, credit policies and procedure reviews, as well as the evaluation of risk ratings and the overall risk in the loan portfolio. Ms. Lawless has a degree in history from Dickinson College and an MBA from Babson College.
Ms. MacLean has been with Cobblestone since 2016. She has almost 40 years of Banking experience. In addition to 8 years as the Director of Credit Risk Analysis at Fleet/BankBoston, she also spent eight years as a Managing Director and a Global Credit Manager for State Street Global Markets. Ms. MacLean has a B.A. degree from Wellesley College and completed the Commercial Credit Training Program at Bank of New England.
Mr. Nolan has been with Cobblestone Management since 2016. This followed 30 years of experience in commercial banking, loan servicing, real estate finance and hospitality consulting. He began his banking career in 1986 with Bank of New England in real estate and C&I lending and became a workout specialist with Fleet Bank/RECOLL Management. Mr. Nolan has considerable experience with distressed debt as a consultant and Asset Manager. He also possesses a high level of expertise in hospitality lending. Mr. Nolan is a graduate of Colby College with a degree in Economics and the Center for Real Estate at MIT with a degree in real estate finance and development.
Mr. Santos has over seven years of loan review experience with Cobblestone. He began his banking career with The Arizona Bank in 1980 as a Loan Specialist. After that, he served various high-level lending and credit roles with various institutions including the Bank of Boston, Rockland Trust and most recently at First Citizens Federal Credit Union as a Commercial Loan Officer. Mr. Santos is a graduate of New Hampshire College with a degree in Marketing. His education also includes graduate courses at the American Banking Institute.
Ms. Joyce Shand joined Cobblestone Management in 2011. Prior to joining Cobblestone Management, from 2006 to 2010, she was a Senior Credit Analyst at Commerce Bank & Trust Co. in Worcester. She also worked for the United States Department of Treasury office of New York as a Credit Risk Management Specialist. Ms. Shand attended Brown University and earned degrees in Ethics and Political Philosophy. She offers exceptional loan review skills and is particularly adept at composing final reports on the engagements where she serves as Team Leader for Cobblestone Management.