As your local financial institution with a strong foothold in the community, we understand the value of building relationships. We work directly with our business owners, as well as local commercial real estate brokers, CPAs, attorneys, and investors, offering a suite of business services and lending opportunities that can make your business more robust, efficient, and profitable.
Looking to expand, increase inventory, purchase equipment or boost cash flow? Our team of industry specialists can help guide you on your financial journey with HVCU. Find a Business Expert or email us.
Branch Managers
Branch Managers are your resident, on-the-ground resource. They can help you open accounts, assist you with insurance, support you in filling out a business credit card application, or refer you to a financial planner to prepare you for your organization’s future. Need a line of credit under $50,000? They can help you with that too.
Commercial Loan Officers
Our Commercial Loan Officers are savvy in their regions and exceed expectations by keeping up-to-date on market trends in Commercial Real Estate. Looking to renovate, refinance, or construct? As Business Experts, our Commercial Loan Officers function as your economic partner. Each is qualified and knowledgeable, and can walk you through a series of lending possibilities including credit cards, lines of credit, vehicle and equipment loans, commercial loans, SBA Loans, and more. Looking to finance more than $50,000? Ask a Commercial Loan Officer.
Chester, Middletown, Montgomery, Newburgh &
New Windsor Branches
Phone: 845.463.3011, Ext 2273
Brewster, Carmel, Fishkill, Mahopac, & Wappingers Falls Branches
Phone: 845.463.3011, Ext: 2269
Arlington, Hyde Park, Kingston, Poughkeepsie, & Rhinebeck Branches
Phone: 845.463.3011, Ext: 2279
Beacon, Highland, Hopewell Junction, LaGrange, & Pleasant Valley Branches
Phone: 845.463.3011, Ext: 2248
Patrick has more than 20 years of experience in the financial services industry, specializing in SBA financing and commercial mortgages. His career encompasses commercial banking, branch management, financial planning, and insurance. In addition, Patrick is a Notary Public. Patrick works closely with HVCU's business members near our Beacon, Chester, Montgomery, Newburgh, and New Windsor Branches. A resident of Orange County, Patrick is active in the local community. He is a member of the Orange County Chamber of Commerce, a graduate of Leadership Orange and a member of the Kiwanis Club of Newburgh.
Diane Elias has 20 years of experience in commercial banking and lending, cash management, portfolio management and business development. Diane works closely with HVCU's business members near our Brewster, Carmel, Fishkill, Hopewell Junction, Mahopac, Pleasant Valley & Wappingers Falls Branches. Diane is a member of the New York State Commercial Realtor Association, the Hudson Valley Builders Association, and the Orange County Chamber of Commerce. She previously served on the Board for the Hudson Valley Bankers Association, Orange County Revolving Loan Fund Committee, and the Estate Planning Council. She resides in Dutchess County.
Beth A. Lallis has more than fifteen years of experience in the financial services industry. As a Business Loan Officer at HVCU, Beth specializes in helping current and potential business members find the right fit for their financing needs. Beth works closely with HVCU's business members near our Highland, Kingston, Middletown, and Rhinebeck Branches. Beth actively participates with the Orange, Dutchess Regional and Ulster Regional County Chambers of Commerce as well as Think Dutchess Alliance for Business, The Ulster County Economic Development Alliance, Orange County Economic Development Corporation, New York State Commercial Association of Realtors Hudson Valley Chapter, The Council of Industry, Orange County Partnership and the Women’s Enterprise Development Center. She is an Orange County resident.
Alicia Punkosdy has over 20 years of experience in commercial lending, portfolio management, business development, coaching, mentoring, and retail branch management. Alicia works closely with HVCU's business members near our Arlington, Hyde Park, LaGrange, and Poughkeepsie Branches. Alicia has served on the Board of Directors for The Vassar Warner Home, as well as a committee member and volunteer for such organizations as New Horizon Resources Inc., Abilities First, Grace Smith House, and the FDR Softball Booster Club. She resides in Hyde Park with her two daughters.
Nicholas (Nick) Troseth brings over 17 years of experience to his role as Commercial Lending Officer, currently servicing businesses within the areas of Beacon, Highland, Hopewell Junction, LaGrange and Pleasant Valley for their commercial banking needs. Since beginning his career in financial services as a Junior Credit Analyst in 2004, he has accepted roles with additional & increasing responsibilities. Nicholas graduated from Marist College in 2003 with a Bachelor of Science degree and currently resides in Wappingers Falls.