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Business Loan Officers

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Apply for a Loan
Click here to apply now

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Paul Cheremka
Paul is a seasoned banking professional with a focus on business development and lending functions. He has over 15 years of commercial lending experience. He handles multiple complex relationships simultaneously at different stages of development. Paul earned a certification from The New England School of Financial Studies from Babson College and RMA’s from Commercial Credit for Lenders and the Loan Officer Resident Seminar. Paul lives in Beverly with his wife and enjoys devoting his spare time to volunteering/fundraising for charities such as Habitat for Humanity and the Greater Boston Food bank. commercialloans@readingcoop.com or at 978.269.6798

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James Real
Vice President/Commercial Loan Officer
James Real has over 30 years of commercial lending and management experience at New England banks, including work at Fleet Bank, Sovereign Bank, and Bank of New England. He graduated from Siena College in New York with a Bachelor of Arts degree, and specializes in construction and real estate lending. You may reach James by secure email at commercialloans@readingcoop.com or at 781.670.1581

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Joseph T. Scurio
Vice President/Commercial Loan Officer
Joseph Scurio is a Vice President and Commercial Loan Officer based in the Reading branch, with over 20 years of banking and lending experience in the North Shore, including work at Rockland Trust, East Boston Savings Bank, Everett Cooperative Bank, the former Danversbank, The Savings Bank (Wakefield) and the former Medford Savings Bank. Joe is a retired veteran of the Massachusetts Air National Guard/United State Air Force with 20 years of honorable service at the rank of Master Sergeant. He holds degrees from both Salem State University and The New England College of Finance in Boston. You may reach Joe by secure email at commercialloans@readingcoop.com or at 781.670.1805.

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Elizabeth (Liz) Trifone
Vice President/Commercial Loan Officer
Elizabeth joined the Bank in 2018 and has considerable experience managing lending portfolios and overseeing commercial loans. She is a graduate of Northeastern University, having majored in Business Administration with a concentration in Accounting. Liz has completed an SBA credit underwriting program and previously served as Vice President at MountainOne Bank. She can be contacted at commercialloans@readingcoop.com or at 781.670.1583.

Business Development Officer

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Jack Ferren
Vice President/Business Development Officer – NMLS#: 766979
Jack Ferren is a Vice President and Business Development Officer for RCB’s Burlington and Woburn markets. While he is responsible for expanding the Bank’s overall presence in these markets, his focus is on Small Business, Commercial Lending, Consumer Lending and Personal Banking. Jack has over 30 years of experience in business development and is a very active member of his community. You can reach Jack at busdev@readingcoop.com or at 781.425.7808

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Business Lending Center

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Application (PDF)/(RTF)
Disclosure Form (PDF)/(RTF)
Personal Finance Statement (PDF)/(RTF)
Schedule of Real Estate(PDF)/(RTF)
Rent Roll (PDF)/(RTF)
Privacy Notice (PDF)/(RTF)

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