Dr. Kristin Carvalho

Dr. Kristin Carvalho has a vast and extensive work experience in the banking industry. Dr. Kristin currently holds the position of President/COO/Treasurer at MutualOne Bank since March 2022. Prior to this, from December 2018 to March 2022, they served as President/CEO/Board Member and Chair for Cobblestone Management, LLC.

Previously, from April 2007 to November 2018, Dr. Carvalho was employed at Milford National Bank & Trust as President/CEO/Director.

Earlier in their career, starting in 1996 and lasting until 2007, they worked as Vice President in the Corporate Banking Division at Citizens Bank. There, they held various positions related to corporate and small business, focusing on credit and business development. Dr. Kristin gained expertise in all banking products, particularly in SBA, C&I lending, construction, and commercial real estate. Dr. Carvalho achieved formal credit training during their tenure at Citizens Bank.

Dr. Kristin Carvalho has a diverse education history in the field of business administration and finance. Dr. Kristin is currently pursuing a Doctorate of Business Administration degree at the University of Rhode Island, with a specific focus on community bank stress testing dissertation research.

Prior to their doctoral studies, Dr. Carvalho completed a Master of Science in Financial Services and Banking at Suffolk University. While the field of study for this degree is not specified, it can be assumed that it further enhanced their knowledge and expertise in the financial services industry.

Before their master's degree, Dr. Carvalho obtained a Master of Business Administration from Bryant University. During their time at Bryant University, they received an academic assistantship or scholarship and specialized in business management.

Furthermore, Dr. Carvalho holds a Bachelor of Science degree in Marketing from the University of Massachusetts Dartmouth. Dr. Kristin completed this degree with honors, graduating cum laude. Additionally, they served as the class president during their time at the university, showcasing their leadership abilities.

In addition to their formal education, Dr. Carvalho has obtained a certification from the Massachusetts Bankers Association. The specific certification and the exact year of obtaining it are not provided. However, this certification highlights their commitment to professional development and staying up-to-date with industry standards and practices.