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Kaushik Banerjee serves as Vice President and Senior Credit Portfolio Manager at Heritage Bank NA since July 2020, where responsibilities include managing and underwriting a $110 million commercial loan portfolio and leading a team of credit analysts. Prior to this role, a sabbatical was taken from April 2017 to June 2020 to address family health issues. Previous experience encompasses significant positions at CNH Industrial Capital (2007-2017), where achievements included enhancing real-time financial risk assessments and implementing a new e-Credit underwriting system. Additional roles include senior positions at GE Capital, Stearns Bank, and Brenton Bank, with a solid foundation in credit analysis and portfolio management spanning over two decades. Kaushik Banerjee holds a Master’s and MBA in Economics and Management from Iowa State University and a Bachelor’s degree in Economics from Angelo State University.