A native Vermonter and a graduate of Plattsburgh State (SUNY) with a Business Marketing degree, Penny has been involved in many different levels of lending since 1994. Those include financing for recreational dealerships, agricultural lending and farm credit leasing, as well as investment real estate and small business lending.
Justin brings over a decade of commercial lending experience to NEFCU. He has worked in many areas, such as underwriting and portfolio management where he has held titles of Relationship Manager and Business Loan Officer. Justin brings over 15 years of experience in analysis and preparation of business financial statements. He is a graduate of the University of Vermont and Champlain College, with a degree in Recreation Management and Small Business Management and holds a certificate in Advanced Accounting.
Justin enjoys spending time with his wife and two children. Having grown up in the Northeast Kingdom, he is an outdoor enthusiast and enjoys hunting, fishing, and gardening.
Born and raised in Vermont, Colin has studied and worked in the community for over 20 years. He has extensive experience in retail and retail management, which makes him a versatile business lender. Having worked with small businesses since 2007, Colin thrives on helping business and business owners achieve their commercial and financial goals.
Colin enjoys time with his wife and two children, and during his spare time he is fishing, hunting, skiing, or playing hockey.