Two mortgage
originators recently
joined the residential
lending department
at Ballston Spa National
Bank.
Noelle Kahler and
Joshua Myers will
be responsible for
working with new
and existing customers
to originate residential mortgage loan
products while maximizing customer relationships
and enhancing the customer experience.
Kahler joined BSNB in April 2012 working
in the retail lending department. The
Schuylerville resident earned her associate
degree from SUNY Adirondack, is a member
of the bank’s Customer Service Committee
and is active in the community. 
As part of
the BSNB Volunteers in Action program, she
has volunteered with Junior Achievement,
Rebuilding Together Saratoga County and
has also participated in BSNB’s annual Electronics
Recycling and
Document Shredding
Day.
Myers has been
with BSNB since 2010
when he was hired as
a customer service
representative and
was most recently
promoted to mortgage
originator.
The
Ballston Spa native earned his bachelor’s
degree from Sage College of Albany.
An accomplished
runner, Myers has represented
BSNB in multiple events over the years.
Karen Charbonneau has joined the Miranda
Real Estate Group based in Clifton
Park. Charbonneau brings 21 years of experience.
She will represent buyers and sellers
throughout the Capital Region.
She is past president of Saratoga BNI. Her real estate career began in 1994 where she
sold homes throughout New England and
worked her way to broker while creating her
own real estate company. She also created a
home renovation and rehab business that
employed three construction crews.
Charbonneau is a U.S. Army veteran and
graduated from UMass-Amherst with a
bachelor of science in computer science and
business.
Embassy Suites
in Saratoga Springs
announced two new
hires.
Michael Spilman
was named director
of sales. He comes to
the Embassy Suites
with over 30 years of
hotel experience in
the Capital District.
Spilman, of Queensbury, will oversee the
sales and marketing efforts at the Embassy.
He spent the last 12 years working for the
Turf Hotel Corp. as general manager of the
Holiday Inn Resort in Lake George. Prior
to that, he was the director of sales at the
Queensbury Hotel in Glens Falls.
He currently
serves on the board of North Country
Ministries in Warrensburg, and is a past
board member of the Adirondack Regional
Chamber of Commerce.
Stuart Marc de
Voe, of Clifton Park,
was named director
of food and beverage.
He has 25 years
of hospitality/restaurant
experience.
He spent 10 of
those years in Las
Vegas and 15 years in
the Capital District,
primarily with Mazzone Hospitality.
He will
be managing the food and beverage operation
with focus on building up the Diamond
Club Grill, the Embassy’s in-house restaurant and lounge.
McPhillips Insurance Agency appointed
Anthony Metivier as an account executive
for Warren, Washington and Saratoga counties.
Metivier will focus on developing new
business and meeting the insurance needs
of existing customers in the tri-county area.
He joins the agency with more than 20
years of experience in insurance and business
development, including most recently
for Safeco Insurance, a Liberty Mutual Co.
He has a bachelor’s degree in economics
and finance from Bentley University.
Active in his community, he serves on the
Queensbury Town Council and is president
of the Ski West Mountain Education Foundation.
The Law Firm of McNamee, Lochner, Titus
& Williams PC announced that Hunter
D. Raines has joined the firm as an associate,
working in its corporate law, commercial
real estate, federal and state taxation,
banking and thrifts, and nonprofit organization
practice areas.
Raines provides counsel to clients in connection
the formation and operation of corporations
and limited liability companies,
mergers and acquisitions, purchase and sale
of businesses, commercial real estate and
leasing transactions, and commercial lending
transactions. He also assists nonprofit
organizations on issues of formation, federal
and state tax exemption, and general
operational concerns.
Raines was previously employed at a
downstate law firm where he represented
entities in merger and acquisition transactions,
commercial real estate lending transactions,
and in the preparation of commercial
entity organizational documents and
agreements. He further assisted with the
prosecution of real estate foreclosure actions,
and assisted in matters related to federal
and state income tax issues.
Raines was also previously employed as
the senior attorney to the deputy commissioner
of higher education at the state Education
Department. He regularly led negotiations
of complex contracts and master service
agreements with vendors, advised
department management on program compliance
matters and best practices, as well as
provided counsel on education issues.
Raines graduated Albany Law School of
Union University in 2012, where he served
as senior editor for the Albany Government
Law Review. He received his B.A. in political
science from the University of Tennessee in
2008.
Saratoga National
Bank and Trust Co.
hired Allison Holland
as vice president
and regional manager
of its branch network.
She assumes the
role from Belinda
Cross Kucharski,
who was appointed
regional sales manager.
Holland will oversee branch operations
and staff. She comes to Saratoga National
with over 25 years of banking experience,
having served most recently as vice president
and financial center manager at Bank
of America.
She has an associate’s
degree in business
administration
from Hudson Valley
Community College.
Active in the community,
she has been
a volunteer for the
Stillwater Community
Center, Saratoga
Salvation Army and
Shelters of Saratoga.
Cross Kucharski will lead the bank’s overall
business development efforts. She joined
Saratoga National in 2013 as a vice president
and branch manager and has over 25 years
of banking experience in the Capital Region
and North Country.
Cross Kucharski holds an associate’s degree
in business administration from Clinton
Community College. She is active in the
community as a member of the CAPTAIN
Youth and Family Services’ executive board,
the Chamber of Southern Saratoga County’s Education and Business Committee, vice
president of the Chamber’s Angels board
and a member of the Chamber’s Ambassador
program.
The company also
hired Patrick Shafer
as assistant vice
president and branch
manager of its West
Avenue office.
Shafer will oversee
operations and develop
banking relationships
for the branch
at 91 West Avenue in
Saratoga Springs.
Shafer joins Saratoga National with eight
years of banking experience. He has an associate’s
degree in business administration
from Hudson Valley
Community College.
Lisa Shields recently
joined the
team at Mannix Marketing,
Inc. as a client
support specialist.
Shields holds a
bachelor’s degree in
computer science
from SUNY Potsdam
and has substantial experience in office
management as well as marketing and website
client support services.
After beginning her career in California
as a member of the sales and support staff
at the Hewlett-Packard Co., Shields worked
for Ascension Lutheran School where she
directed the implementation of school-wide
computing and assisted with launching
their website. For the past nine years, she
has worked for several nonprofit organizations
in the Saratoga Springs area.
As client support specialist, Shields will
provide clients with customer service and
assist with website edits and adjustments.
She will also serve as office manager.
Cost Control Associates
announced
that Lisa A. Miller of
Saratoga Springs was
hired as marketing
and communications
manager.
Miller brings more
than 25 years of experience
in marketing
and corporate communications
to her new position. She spent
22 years with KeyCorp, including 12 years
at its international affiliate Key Equipment
Finance where she was marketing and employee
communications manager.
For the past eight years, she has run her
own business developing marketing communications
and by-lined articles for a national
business clientele. She is a member
of the Rotary Club of Saratoga Springs and
serves on the club’s board of directors. She
is also a member of Albany Pro Musica, the
capital region’s premier choral group, for
which she serves as administrator, section
leader and singer. Miller earned her B.A.
from Skidmore College.
Elizabeth St.
Pierre, associate director
of volunteer
services at Saratoga
Hospital, has been
awarded the Certified
Administrator of
Volunteer Services
(CAVS) credential by
the Council for Certification
in Volunteer
Administration. The national certification
distinguishes St. Pierre as being among the
elite in volunteer management in healthcare.
St. Pierre oversees more than 300 members
of Saratoga Hospital Volunteer Guild.
Together, Guild volunteers donate more than
55,000 hours of service each year and make
significant financial donations to support
hospital facilities, programs and services.
CAVS certification candidates must fulfill
requirements for education, experience,
and adherence to professional standards of
conduct. Candidates also must pass a rigorous
exam that covers six areas: planning
and program development, management of
human resources, finance, organization and
management of services, professional development,
and outreach, advocacy and public
relations.
McPhillips Insurance
Agency appointed
Toni Tuttle as a
sales executive for
Warren, Washington
and Saratoga counties.
Tuttle will focus on
growing the insurance
customer base
and meeting the insurance
needs of existing customers in and
around the tri-county area. She joins the
agency with 19 years of experience in insurance
and sales.
Tuttle has a bachelor’s degree in business
management from Empire State College.
Active in her community, she serves as an
ambassador for the Adirondack Regional
Chamber of Commerce and secretary for the
Glens Falls Collaborative.
Continuum Wealth
Advisors LLC, an independent
registered
investment adviser
(RIA) and integrated
wealth management
provider, announced
that Stephen M. Cutting-
Miller, CPA has
joined the firm a senior
vice president of
advanced planning.
He will focus on providing targeted financial
planning services to individuals and
company retirement plans.
Cutting-Miller has over 12 years of experience
in advanced operational, financial
and tax expertise. Before joining Continuum
Wealth Advisors, he was a director for Tag
Associates, LLC, a wealth management firm
located in New York City. He also worked as
the principal advisor for SMC Advisory LLC
and as a vice president/account manager for
The Ayco Co. LP.
He graduated cum laude with a Bachelors
of Business Administration from Siena College
in Loudonville. In addition to being a
CPA, Cutting-Miller also holds a Financial
Industry Regulatory Authority (FINRA) Series
66 license. He is also an active member
of both the Financial Planning Association
and the New York Society of CPAs.
Saratoga National Bank and Trust Co. appointed
David Kruczlnicki to its board of
directors.
Kruczlnicki also serves on the board of
the bank’s parent company, Arrow Financial
Corp., a role he has held since 1989. He previously
served as a director for Arrow’s other
banking subsidiary, Glens Falls National Bank
and Trust Co., from 1989 to 2015.
A resident of Malta, Kruczlnicki currently
teaches at Siena College and is president of
a consulting firm that advises nonprofits on
business-planning. From 1989 until 2013, he
was president and CEO of Glens Falls Hospital.
His also currently serves on the boards of
the Greater Adirondack Home Aides and the
Glens Falls Symphony.
He holds a bachelor’s degree from Siena
College, an MBA from Rensselaer Polytechnic
Institute, and is recipient of the Life Fellowship
of the American College of Healthcare
Executives. Active in the community, he is a
Rotarian and a member of various chambers
of commerce throughout the region.