James J. Carpenter

Mr. Carpenter serves as a Director of the New York Community Bancorp, Inc. Board. In addition to chairing the Board Credit Committee, he is a member of the Risk Assessment Committee. He is an experienced banking executive with a nearly 40-year career in commercial real estate finance, commercial and industrial lending, consumer lending, and credit-related insurance sales. He has served as a consultant for credit and lending-related matters to New York Community Bancorp, Inc. (the Company) since January 2020. Prior to his retirement from the Company on December 31, 2019, Mr. Carpenter served as Senior Executive Vice President and Chief Lending Officer of the Company and New York Community Bank from January 1, 2006, to December 31, 2019. Mr. Carpenter also served as Senior Executive Vice President of the Company’s former subsidiary, New York Commercial Bank from December 30, 2005, to November 30, 2018; Executive Vice President and Chief Lending Officer of New York Community Bank from February 1, 2005, to December 31, 2005; Executive Vice President and Assistant Chief Lending Officer of the Community Bank from January 1, 2003, to February 1, 2005; and Senior Vice President and Mortgage Lending Officer of the Community Bank from November 30, 2000, to January 1, 2003.

Mr. Carpenter joined the Company in November 2000 with the acquisition of Haven Bancorp, Inc. and CFS Bank where he served as Senior Vice President responsible for Multi-Family and Commercial Real Estate Lending from November 1994 through November 2000 and its Commercial Real Estate and Asset Management departments from December 1991 to November 1994. Prior to CFS Bank, Mr. Carpenter worked for American Savings Bank and both Beneficial Finance and The Minnesota Mutual Life Insurance Company in credit insurance sales.