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Stephen G. Hardy was appointed Senior Vice President, Chief Credit Administrator for Community Bank System in December 2006. He has overall responsibility for the Bank’s credit management and administration activities, as well as loan policy development, portfolio reporting, and the loan workout function.
Mr. Hardy’s banking history spans over thirty years and includes extensive experience in all aspects of commercial banking and credit administration. He began his banking career at PNC Bank (and its predecessor bank in Northeastern PA) where he held a variety of management positions over an eighteen-year period, including Chief Corporate Banking Credit Officer, Regional Manager of Corporate Banking, and Credit Policy Manager for the Northeastern PA market. Mr. Hardy’s other banking experience includes senior level operations management and lending roles with Natwest Bank, USA and its successor, Fleet Bank, in the Northeastern PA market. He came to Community Bank System via its acquisition of First Liberty Bank and Trust, where he managed the Operations Division and was First Liberty’s Senior Loan Officer. Most recently, Hardy was responsible for Community Bank System’s Credit Risk Management function.
Mr. Hardy graduated from Plymouth State University (NH) with a B.S. degree in Business Administration and attended the Stonier Graduate School of Banking. He is a former president of the Northeastern PA Chapter of RMA, the Risk Management Association and is active in a variety of business and civic organizations. | 