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Theresa Barrett has been in the banking industry for almost 30 years. Theresa began their career in 1992 as Vice President Lending at UNFCU. Theresa then moved to Affinity Federal Credit Union in 2015, where they served as Vice President Consumer Lending and Loan Administration. In 2020, they joined Mariner's Bank as Vice President Loan Operations and Residential Mortgages. In 2021, they moved to MCU as VP Real Estate. Currently, they are the Chief Lending Officer at Picatinny Federal Credit Union.

Theresa Barrett attended Montclair State University from 1980 to 1984, earning a BS in Business Administration with a concentration in Management and Organizational Behavior. Prior to this, they attended Fort Lee High School.