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Joseph Howrylak is currently serving as the VP/Regional Credit Officer at NexTier Bank since October 2017. Prior to this role, Joseph held positions such as AVP Senior Credit Analyst at NexTier Bank and Commercial Credit Manager at CFBank. With a background in Commercial Credit Analysis, Financial Analysis, and Commercial Appraisal Review Management, Joseph also has experience in Commercial Construction Loan Administration and Construction Tracking/Inspection. Joseph's educational background includes a Master of Business Administration in Finance from Indiana University of Pennsylvania and a Bachelor's degree in Finance from Marshall University.