Mr. Sapanski has over 39 years in the banking industry with considerable expertise in credit risk and credit administration. Since joining Hanover in 2012, Mr. Sapanski is directly responsible for all aspects of the Company’s credit functions, loan servicing, product development and oversees a consumer origination platform which currently originates in excess of $350 million per annum. Mr. Sapanski’s career includes work in loan servicing, loan administration, loss mitigation, credit risk management and loan reporting. He has experience in all lending disciplines – commercial, construction, multi-family, business and residential lending as well as project management. He was most recently associated with one of the largest independent commercial banks in the metropolitan area. Prior to that, he was Senior Vice President and Chief Credit Administration Officer managing the operations of the bank’s credit administration department for a local commercial community bank on Long Island. Mr. Sapanski earned a Bachelor of Science degree from the State University of New York, Empire State College where he majored in Business Management and Economics and minored in Banking. Mr. Sapanski has completed numerous lending, management and finance courses with the National Institute of Credit Management, Federal National Mortgage Association and the National Council of Savings Institutions. In his position at Hanover, he is responsible for managing the Bank’s Credit Risk Management and Credit Administration and Loan Servicing Divisions as well as overseeing loan underwriting and loan operations.
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