Michael Lynch

Senior Vice President, Senior Commercial Loan Officer

For more than 30 years, Mike Lynch has helped build businesses in the Pioneer Valley. As the Senior Commercial Loan Officer, Mike is responsible for managing the Florence Bank team of commercial lenders and is well-versed in structuring a variety of financial solutions for Florence Bank clients.

With extensive knowledge about commercial lending, Mike has a vested interest in the community he lives in and keeps his hand on the pulse of the local industries and the local markets that Florence Bank serves.

“We see our roles as lenders as advisors and consultants, not ‘order takers.’ We take the time to understand our borrowers’ needs so that we can structure loans accordingly. Our approach is to do what’s best for the borrower, which allows us to build lasting relationships” states Mike. “After all, it’s the relationship that we treasure, not the transaction.”

Mike is currently a member of the local Kiwanis Club and the Make-A-Wish golf committees.

Barbara-Jean Deloria

Senior Vice President, Chief Credit Risk Officer

For the past three decades, Barbara-Jean DeLoria has held several managerial positions in various lending functions, including commercial lending, credit, loan review and consumer lending. As Chief Credit Risk Officer, Barbara-Jean is responsible for managing the residential mortgage division, loan servicing, collections and the commercial credit department.

Barbara-Jean joined Florence Bank in 2014 with extensive mortgage loan production knowledge and commercial and retail lending experience. She earned her Bachelor’s degree in Accounting and Finance from Bentley University. She has served as the Treasurer of the Springfield Regional Chamber since 1996. Additionally, she lends her banking knowledge as a teacher at the Center for Financial Training in Norwich, CT.

Michael Moriarty

Senior Vice President, Commercial Team Leader
Michael Moriarty joined Florence Bank in 2018 with nearly three decades of experience in the Western Massachusetts banking industry. Michael specializes in developing new business relationships in the Greater Springfield area as well as in Northern Connecticut.

“I’m thrilled to be part of a well-run bank with a tight-knit group of lenders. I’m excited to bring my knowledge and skill set to the bank, especially as we grow into Hampden County where I’ve lived and marketed for 25 years.”

Michael earned his bachelor’s degree from Merrimack College and his MBA from Western New England University. Additionally, he’s a graduate of the American Bankers Association’s Stonier Graduate School of Banking. Moriarty is the Second Vice President and Board Member for the West Springfield Boys & Girls Club and is Vice Chair for Pathlight’s Board of Directors. He has served as the Treasurer of Human Resources Unlimited in Springfield, now known as Viability, and was a member of the Board for the St. Thomas School in West Springfield.

Nancy Mirkin

Vice President, Commercial Loan Officer

Nancy Mirkin joined Florence Bank in 2011 and brings over 29 years of experience in the Pioneer Valley business community. Nancy specializes in financing all types of commercial real estate and loans, along with providing lines of credit for area businesses.

Nancy understands the importance of customer service and building relationships with her clients. “Florence Bank is a community bank where decisions are made locally and long-term financial relationships are established and thrive.”

Nancy earned her bachelor’s degree in Economics from UMass Amherst and her MBA from Western New England University. She currently serves as a board member for the Mental Health Association, Inc. and the Gasoline Alley Foundation. Additionally, she serves as a mentor in the Professional Women’s mentor program and is on the Executive Committee for the local Credit for Life Fairs.

Erin Couture

Vice President, Commercial Loan Officer

Erin Couture, Vice President of Commercial Lending, specializes in developing commercial banking relationships in Hampshire County and beyond. With 17 years of experience, Erin is committed to providing the individual attention necessary to help business owners meet current market demands.

“Florence Bank has a great commercial team of lenders that commits to serve our communities by financing projects that will improve our region as a whole” states Erin.

Erin earned a bachelor’s degree in Finance from Lehigh University and a MBA from Western New England University. She is an active member in the community and serves as the Chair of the Southampton School Committee. Additionally, she serves as a board member of Big Brothers Big Sisters of Hampshire County and is a member of the Finance committee for the Northampton Chamber of Commerce. Erin was recently selected as the Daily Hampshire Gazette’s 2018 Person of the Year.

James Montemayor

Vice President, Commercial Loan Officer

James Montemayor joined Florence Bank in 2006, and covers the Hampden County territory at our West Springfield Banking Center.

With 33 years of banking experience, James is committed to providing the individual attention needed to help local businesses meet their financial goals. “I am proud to be part of such a great commercial team; from administrative assistants, to credit analysts, to our commercial servicers” states James. “Together, we provide outstanding service and support to each borrower, which is second to none.”

James, affectionately known as “Monte,” earned his bachelor’s and master’s degree in Business Administration from Western New England University.

Michael Davey

Vice President, Commercial Loan Officer

As one of Florence Bank’s most seasoned business bankers, Mike Davey has more than 30 years of banking experience. Mike has established relationships with some of the most recognized businesses in the Valley.

Florence Bank was one of the first banks in Western Massachusetts to receive the U.S. Small Business Administration’s (SBA) Preferred Lender status. Mike and the rest of the lending team use the SBA to allow the bank to make loans that the bank might otherwise not be able to approve.

Mike feels that Florence Bank differs from other banks because of our willingness to consider all options to get the job done. “I enjoy working with clients to help them achieve their goals. I try to be as creative as possible in structuring loans to suit borrowers’ needs.” His clients appreciate his resourcefulness and honesty, especially in today’s competitive business environment.

Henry “Hank” Downey

Vice President, Commercial Loan Officer

 With over 12 years of banking experience, Henry “Hank” Downey works hard serving the needs of Businesses within the Pioneer Valley.
Hank believes in the economic health of his community, and wants to help provide growth opportunities and solutions to local businesses.

“It is a great feeling to know that I can respond quickly and transparently to my customers’ loan requests. This is made possible by the experience of our commercial team and our local decision making process.”

Hank received his BA from Fordham University and his MBA from the UMass Isenberg School of Management. He is very active in the community as a Board Member of the Kiwanis Club of Springfield, Foundation Board Member of Sisters of Providence Healthcare Systems and Chairman of the Brightside Golf Classic.

Joe Kulig

Vice President, Commercial Loan Officer
Joseph Kulig joined Florence Bank in 2018 with over two decades of local banking experience. Joseph specializes in developing new business relationships in the Greater Springfield area as well as in Northern Connecticut. Throughout his banking career, he’s been an integral part of local commercial lending teams and previously held the title of Relationship Manager.

“It’s refreshing to work for a bank that puts their customers first above any kind of transaction. It’s great to be part of a team that values the quality of customer service above everything else.”

Joseph earned his bachelor’s degree in Business Administration from the University of Massachusetts, Amherst and his MBA from Western New England University. He is a member of the board for Revitalize CDC, formerly known as Rebuilding Together Springfield; a board member and the treasurer for the West Springfield Youth Soccer Club; and treasurer of the West Springfield Youth Lacrosse Club.

Michelle Cayo

Vice President, Credit Administration Manager
Michelle joined the Florence Bank team in July 2017 with nearly twenty years of commercial credit experience. She works to provide financing for businesses throughout Western Mass by using her knowledge and analytical skills to ensure every loan administered is mutually beneficial for both the Bank and the business.
“Florence Bank has an experienced commercial lending team that provides innovative solutions. We offer a wide variety of lending products that meet and exceed the needs of the market.”
Cayo studied at Bay Path University where she received her Bachelor’s degree in Business with a concentration in Finance. Additionally, she received her Master’s Degree in Communications and Information Management from Bay Path University. Cayo has completed the New England School for Financial Studies program as well as the Graduate Banking Program from the American Bankers Association. In 2011, Cayo was recognized by BusinessWest as a member of the 40 Under Forty Class which celebrates young business and civic leaders in the Pioneer Valley.


Kimberly Baker

Vice President, Administration and Servicing Manager

As a seasoned banker with nearly 30 years of banking experience, Kim oversees the operations and compliance function of the commercial lending department.

Her knowledge and attention to details makes her a trusted source to the lenders that she works with, and the customers that they serve. “In order to be successful in business, you need to know your customer and listen to their needs” states Kim. “I truly believe that no one can match the service that Florence Bank has to offer, and I am proud to be part of that team.”

Kim earned her bachelors’ degree in Finance from Westfield State College and her MBA from UMass Amherst. Kim is very active in the community as an accounting instructor, a volunteer at the Hampshire County Interfaith Shelter, board member of the Northampton St. Patrick’s Association, member of the annual Ski United committee to benefit the United Way of Hampshire County, as well as a volunteer in both Look Parks' Spring Auction and Santa's Trains events.


Candace Pereira

Assistant Vice President, Portfolio Manager

Candace Pereira joined Florence Bank in 2018 with over 15 years of local banking experience. Candace specializes in developing new business relationships in the Greater Springfield area.

“It’s exciting to be part of a community bank, which allows its employees to take the time to get to know their customers. Joining the lending team at Florence Bank has reinforced my commitment to building strong business relationships. I know Florence Bank will only grow stronger with time.”

Candace earned her bachelor’s degree in Business Administration from the University of Massachusetts, Amherst. She is a member and the Treasurer of the Board of Directors for The Gray House in Springfield.