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Joanne Tercho has accumulated over twenty years of experience in commercial banking and equipment finance, working with various companies and holding positions such as Vice President, Relationship Manager and Commercial Credit Manager. Joanne is skilled in credit/financial analysis, portfolio management, problem resolution, and customer service. Currently, Joanne serves as VP - Commercial Portfolio Manager at Bar Harbor Bank & Trust, managing an ABL portfolio in the middle market sector, developing new business, and retaining existing customers.