Thomas Ratsep

Thomas Ratsep serves as the Executive Vice President and Chief Credit Officer at Pioneer since October 2025. With extensive experience in credit and risk management, Ratsep has held key roles including Director and Treasurer at the Veterans & Community Housing Coalition since January 2006, and Senior Vice President at Ballston Spa National Bank, where responsibilities included overseeing the Bank's Enterprise Risk Management program. Prior positions include Vice President at Arrow Financial Corporation, Senior Vice President at various institutions, and significant management roles at Adirondack Trust Company and Banknorth Group, Inc. Ratsep holds a B.S. in Business Administration - Finance from the University of Vermont and has completed advanced banking courses at ABA Stonier Graduate School of Banking and New England School of Banking.