First Central Savings Bank
James H. Miller Jr. has extensive experience in credit underwriting and financial analysis within the banking sector. Currently serving as a Senior Credit Underwriter at First Central Savings Bank since April 2018, James is responsible for conducting annual credit reviews and assessing business loan requests. Prior roles include Chief Credit Underwriter at Indus American Bank and Senior Credit Analyst at Bayonne Community Bank, where responsibilities included underwriting loans and engaging with customers and senior management. James has also held positions as a Relationship Manager and Loan Portfolio Manager in various financial institutions, focusing on loan underwriting and portfolio management. James holds a Master’s Degree in Accounting from St. John's University, an MBA in Finance from Adelphi University, and a Bachelor of Science in Psychology from Fordham University.
First Central Savings Bank
Our Mission Since 1999 First Central Savings Bank (or as the community knows us, FCSB,) has grown from a simple concept to what we are today: a vibrant, thriving, all-inclusive community bank that hasn’t wavered from its original aim of friendly, personalized service. We are committed to enriching our communities, driving local economic growth, and cultivating lasting relationships by putting the best interest of our clients first. These values are a summary of who we are as individuals and how we conduct ourselves as a bank. They’re also a statement of how we view our responsibilities to each other, to our communities, and to the world in which we all live. Our goal is to fill a void in banking by providing old-fashioned personal service with a smile; a throw-back to the days of hospitality and good manners that we were all raised on, something you just won’t find anywhere else. We are a true community bank in that we make our decisions locally and have a vested interest in the people and businesses we serve. While our footprint has certainly grown, we take pride in playing an active role within the local communities we serve by knowing our customers and understanding their unique needs. With our corporate center in Glen Cove, our branches are conveniently located in: -Astoria -Ditmars -Bayside -Whitestone -Flushing -Lynbrook -Forest Hills -Glen Cove -Huntington We strive to offer you a highly personalized approach to banking. It’s banking the way it used to be, only better.