Officers & Directors

Officers & Directors

Board of Directors

Mark R. DeFazio
Mark R. DeFazio is a founding member of Metropolitan Commercial Bank and has served as the Bank’s President since its inception in 1999. He was elevated by the Board of Directors to the additional role of Chief Executive Officer in 2002. Under Mr. DeFazio’s leadership, the Bank has grown its assets from $8 million to nearly $2 billion as of March 31, 2018. Prior to joining Metropolitan Commercial Bank, Mr. DeFazio served for 13 years with Israel Discount Bank of New York, rising to the position of Senior Vice President and Head of Commercial Real Estate. Mr. DeFazio began his banking career in 1982 at Richmond County Savings Bank, where he held positions in areas including operations, audit and real estate lending.
Dale C. Fredston
Dale C. Fredston has over 30 years of experience as in-house counsel to a wide range of financial service companies. Most recently, she served as Executive Vice President and General Counsel of Sterling National Bank and its public holding company, Sterling Bancorp. Prior to joining Sterling, Ms. Fredston was Senior Vice President, General Counsel and Corporate Secretary of Bank of America's commercial finance subsidiary. Ms. Fredston’ s experience includes financing transactions, mergers and acquisitions, banking and securities law compliance, risk management, corporate governance, general corporate matters and management of litigation. Ms. Fredston received a B.A. from Wellesley College and a J.D. from the Columbia University School of Law.
David M. Gavrin
David M. Gavrin has been a Director of Metropolitan Bank Holding Corp. since 1999 and served as Chairman of the Board from 2004 to 2018. Mr. Gavrin has been a private investor since 1989 and is also a Director of the Arthur J. Gavrin Foundation, Inc. From 1978 to 1988 he was a General Partner of Windcrest Partners, a private investment partnership in New York City and, for 14 years prior to that, he was an officer of Drexel Burnham Lambert. Mr. Gavrin has also been a director of other public and private companies, including Devon Energy Corp., Arcadis NV, and United American Energy Corp. Mr. Gavrin received a B.S.E. from Princeton University.
David J. Gold
David J. Gold is a partner at AdvisIRy Partners Group LLC, a consulting firm that provides strategic and capital markets advisory services to senior management of publicly-held companies. For nearly two decades, David was a Senior Equity Analyst at a small-cap equity research boutique. He is a Chartered Financial Analyst and a member of the CFA Institute. Separately, for nearly 20 years, David has been involved in real estate investments and has served as a court appointed referee and receiver for distressed real estate in New York City. David is the Vice Chairman of the Centurion Foundation, a non-profit focused on supporting those in law enforcement and their families. He holds a B.S. in finance from NYU’s Stern School of Business and a J.D. from the Benjamin N. Cardozo School of Law.
Harvey M. Gutman
Harvey M. Gutman has been active in real estate and retail development since 1990, and is President and Founder of Brookside Advisors, LLC, a real estate consulting and development company. Prior to founding Brookside, Mr. Gutman served, for 16 years, as Senior Vice President for Retail Development at Pathmark Stores, Inc., where he was responsible for Pathmark’s retail development program including site identification, development, approval, legal and compliance, planning, design, construction and property administration. As Senior Vice President at Pathmark, Mr. Gutman was responsible for almost 10 million square feet of supermarket, distribution, office and other commercial space. Mr. Gutman began at Pathmark in 1976, and prior to his promotion to Senior Vice President, he served as Vice President for Grocery and Frozen Foods, Vice President for Non-foods and Pharmacy, and Vice President for Planning and Research. For five years prior to joining Pathmark, Mr. Gutman was Director of Research at Abraham & Straus Department Stores. Mr. Gutman is a member of the Inter-Commercial Council of Shopping Centers, the Urban Land Institute, the Food Marketing Institute, the Commercial Association of Chain Drug Stores, the Retail Marketing Society, the Commercial Retail Federation, and the Commercial Investor Relations Institute. He also formerly served on the boards of the New Jersey Food Council, and the Food Industry Alliance of New York. Mr. Gutman received a B.A. from Rutgers University and an M.B.A. from the Wharton School.
Terence J. Mitchell
Terence J. Mitchell served as Executive Vice President and Chief Retail Office of Dime Community Bank from December 2010 through his retirement in June 2016. Mr. Mitchell has over 40 years of experience in retail banking, including working with Independence Community Bank and Sovereign Bank. Mr. Mitchell has also served on the boards of several Brooklyn non-profit and public interest organizations, including the Wildlife Conservation Society, Aquarium for Wildlife Conservation, Brooklyn Arts Council, Brooklyn Historical Society, and Brooklyn Public Library Foundation. Mr. Mitchell received a bachelor’s degree in Finance from Iona College.
Robert C. Patent
Robert C. Patent has served as President of Colby Capital Corporation, a private investment firm engaged in the acquisition and financing of real estate assets since 1991. Mr. Patent served as a Director of New York Federal Savings Bank, a federally chartered thrift institution, from 1989 until its sale to Flushing Financial Corporation in 1997. Mr. Patent has been a Director of Metropolitan Bank Holding Corp. since its inception and is a permanent member of the Loan Committee and Chairman of the Asset Recovery Group. He is a graduate of The George Washington University.
Maria Fiorini Ramirez
Maria Fiorini Ramirez is the founder, President and Chief Executive Officer of Maria Fiorini Ramirez, Inc., an independent global economic and financial consulting firm serving both financial and non-financial clients since 1992. Prior to founding her own firm, she was Managing Director and Money Market Economist at Drexel Burnham Lambert. Ms. Ramirez previously served as a Director for three other banking companies between 1989 and 2009, including Sovereign Bancorp, Independence Community Bank and Statewide Savings Bank. Ms. Ramirez currently serves as a director of Security Mutual Life. She has also been a director at several not-for-profit institutions over the last three decades, including The Brooklyn Hospital Center and the Independence Foundation. Ms. Ramirez received a B.A. in Business Administration and Economics from Pace University.
William P. Reinhardt
Chairman
William Reinhardt was elected Chairman of the Board of Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank in 2018. He has also been a Senior Director of Alvarez & Marsal, a global professional services and consulting firm, since 2008, focusing on financial services clients. Prior to joining Alvarez & Marsal, he was an Assistant Deputy Comptroller for Community Banks in the Northeastern District of the Office of the Comptroller of the Currency, responsible for regulatory oversight over more than 200 community banks and federal branches. Mr. Reinhardt received a B.A. in Economics from LIU Post, formerly known as C.W. Post Campus of Long Island University, in 1968, and a graduate degree in Banking from the University of Wisconsin in 1983.
Robert Ian Usdan
Robert Usdan is a Co-Founder and Principal of the Endicott Group, an investment management and financial advisory firm located in New York. Mr. Usdan is responsible for the development of the funds and the implementation of the investment strategy. In addition, Mr. Usdan provides financial, strategic and transaction advisory services to middle-market financial institutions. Mr. Usdan serves on the Board of Directors of American Business Bank (CA), Radius Bankcorp (MA), and Metropolitan Bank Holding Corp. (NY). He previously served on the Board of Directors of TGR Financial, Inc. (FL) and Square 1 Financial, Inc. (NC). Prior to founding Endicott, Mr. Usdan was an Associate Director in the Corporate Finance Group at Sandler O’Neill & Partners, L.P. from 1990 to January 1996. Mr. Usdan received a B.A. from the University of Virginia.
George J. Wolf Jr.
George J. Wolf, Jr. is a Managing Director at Aon Risk Solutions as the co-head of the newly formed Law Firm Advisory Team. Mr. Wolf is a recognized leader in law firm management with expertise in the areas of finance and administration, and is the sole member of Wolf Advisory Partners, LLC. Previously, Mr. Wolf had been Managing Director of Herrick, Feinstein since 1993. where he was responsible for all financial and administrative aspects of the Firm as well as growth and long range planning. He was also a member of the Firm’s Executive Committee. Mr. Wolf has lectured at the Practicing Law Institute, the American Bar Association, the Association of Legal Administrators, the New York City and State of New Jersey Bar Associations. He is a past president of the Association of Legal Administrators’ New York City Chapter and has held various commercial positions in the organization. Prior to joining Herrick, Feinstein, he spent 14 years in a similar role at Webster & Sheffield and two years as a Director and Shareholder at Hildebrandt International – the worldwide leader in law firm consulting. While at Hildebrandt, Mr. Wolf was involved in a variety of economic and management issues including mergers, crisis management, restructuring, firm dissolutions and governance. Mr. Wolf received a B.S. from Villanova University.

Executive Officers

Mark R. DeFazio
President, Chief Executive Officer and Director
Mark R. DeFazio is a founding member of Metropolitan Commercial Bank and has served as the Bank’s President since its inception in 1999. He was elevated by the Board of Directors to the additional role of Chief Executive Officer in 2002. Under Mr. DeFazio’s leadership, the Bank has grown its assets from $8 million to nearly $2 billion as of March 31, 2018. Prior to joining Metropolitan Commercial Bank, Mr. DeFazio served for 13 years with Israel Discount Bank of New York, rising to the position of Senior Vice President and Head of Commercial Real Estate. Mr. DeFazio began his banking career in 1982 at Richmond County Savings Bank, where he held positions in areas including operations, audit and real estate lending.
Anthony J. Fabiano
Executive Vice President and Chief Financial Officer
Anthony J. Fabiano joined the company in June 2018 as Executive Vice President Chief Financial Officer in June 2018, and is responsible for accounting, financial reporting, investor relations, tax and capital planning. Mr. Fabiano has more than 30 years of experience across a broad range of finance, accounting and management disciplines, primarily in the banking sector. Prior to joining Metropolitan, Mr. Fabiano was President, Chief Operating Officer, Principal Accounting Officer and a member of the Board of Directors at Hudson City Bancorp and had also served as its Principal Accounting Officer. Earlier, he was Senior Vice President, Chief Financial Officer and Corporate Secretary at Sound Federal Bancorp, and previously served as Senior Vice President and Chief Financial Officer at MSB Bancorp. Mr. Fabiano holds a B.S. degree from Manhattan College, and graduated with honors from the National School of Banking. He is a member of the American Institute of Certified Public Accountants and New York State Society of Certified Public Accountants.
Gerard A. Perri
Executive Vice President and Chief Operating Officer
Gerard A. Perri joined the company as Executive Vice President and Chief Operating Officer in December 2017. Mr. Perri previously held senior executive positions with public and private community banks in the New York area, including Executive Vice President and Chief Financial Officer of Orange Bank & Trust Company, Middletown, NY and Executive Vice President and Chief Financial Officer of Herald National Bank, New York, NY. In addition, Mr. Perri served as Executive Vice President & Chief Financial Officer with Metropolitan Commercial Bank from its founding in 1999 until 2006. He holds an M.B.A. from Adelphi University and a B.A. degree from City University of New York.
Michael A. Guarino
Executive Vice President and Legal Counsel
Michael A. Guarino joined the company in 2008. An experienced regulatory and commercial lending attorney, as well as compliance officer, with over 40 years of banking experience, Mr. Guarino has served as in-house counsel to several banks for over 25 years, ranging from a $9 billion-asset multinational bank to a $37 billion-asset regional U.S. bank. He previously worked for 13 years at Israel Discount Bank of New York, where he served in a variety of capacities, including Deputy General Counsel, Compliance Officer, an AML-BSA Officer, Risk Management Liaison, CRA Officer, and Assistant Board Secretary. Earlier, he served for 10 years in various compliance and legal capacities at First Fidelity/First Union Bank of New Jersey, and before that for eight years as Assistant Treasurer and a Legal Analyst at Chase Manhattan Bank. In addition to his role as General Counsel at Metropolitan, Mr. Guarino has led the Bank’s development of its Enterprise Risk Management program, as well as its Vendor Management process. Mr. Guarino received a B.A. from Rutgers University and a J.D. from Seton Hall Law School.
Nick R. Rosenberg
Executive Vice President and Head of Global Payments Group
Nick Rosenberg joined the company in 2001 and served as the Bank’s Executive Vice President and Chief Technology Officer until Oct 2018. He was responsible for the design, implementation and management of the Bank’s information systems; the development and execution of technology initiatives to support the Bank’s business strategies; and its third-party payments and debit sponsorship business. In October 2018 Mr. Rosenberg was appointed Executive Vice President and Head of Global Payments Group. Prior to joining the Bank, he served as the Technology Director of PDT Limited, a designer and manufacturer of consumer electronics products for large U.K., European and Pan-Asian companies, based in Manchester, U.K. He is formally accredited as a Chartered Engineer and Member of the Institute of Engineering and Technology (UK) and Institute of Electrical and Electronics Engineers (USA). Mr. Rosenberg holds a BSc from the Open University, United Kingdom and completed a postgraduate thesis in Development in Engineering and Technology.
Scott Lublin
Executive Vice President and Chief Lending Officer
Scott Lublin joined the company in April 2018 as Executive Vice President and Chief Lending Officer. He is responsible for managing the Bank’s Commercial Real Estate and Commercial Lending groups and for the strategic development and implementation of its lending products and services. Mr. Lublin has more than 30 years of experience in banking, primarily focused on commercial real estate lending. Prior to joining the Bank, Mr. Lublin was an Executive Vice President at BankUnited, where he managed their NYC commercial real estate lending group. He also served as Senior Vice President of Commercial Real Estate with Metropolitan Commercial Bank from 2008 until 2013. Previously, Mr. Lublin served as an Administrative Vice President of M&T Bank’s commercial real estate group. He holds an M.B.A. from Fordham University and a B.S. degree from SUNY Buffalo.
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