James Formosa

James Formosa is an accomplished banking professional with extensive experience in commercial credit management and lending. Currently serving as AVP Commercial Credit Manager at Ballston Spa National Bank, Formosa leads a high-performing commercial credit team. Prior roles include Senior Commercial Credit Analyst at SEFCU, where in-depth analyses of member business loans were conducted, and various positions at First Niagara Bank, focusing on commercial real estate and portfolio analytics. Formosa has also held leadership positions at multiple credit unions and banks, contributing to strategic planning, lending operations, and performance management. Academic credentials include a Master's in Business Administration, a Certificate in Human Resource Management, and a Bachelor's in Accounting.