Born and raised on Cape Cod, MA, Stephen started his banking career over 30 years ago at a small savings bank in Massachusetts. Through his college years he continued to work part-time and eventually moved into a full time branch banking position. He has managed branch markets throughout central New Jersey for the last 20 years, most recently moving into a business banking/commercial lending role. Stephen believes in the "private bank" client experience which personalizes the "one-on-one" customer service approach. It also develops career - long client relationships which he now enjoys at Valley. An avid professional classical musician, Stephen makes his home in West Windsor Township, NJ.