Sawyer Savings Bank is pleased to announce the promotion of Nicole Lowrey to Lending Officer. In this new role, Mrs. Lowrey will bring her experience in commercial and residential lending management and customer experience to support the bank’s continued growth and success throughout all Sawyer’s delivery channels.

With over 10 years of experience in the banking industry, most recently as Loan Supervisor, Lowrey has demonstrated exemplary leadership in loan processing, compliance oversight, and customer service. She has consistently delivered exceptional results, oversaw a lending team and ensuring the efficient management of loan applications and approvals. This promotion reflects her strong commitment to quality, innovation, and relationship-building.

In her new role as Lending Officer, Nicole will focus on expanding lending services, fostering deeper relationships with our customers and communities, while helping businesses and individuals achieve their financial goals through tailored lending solutions. She will also be responsible for assessing loan applications, conducting risk evaluations, and recommending credit decisions that align with the bank’s strategic vision.

“We are thrilled to promote Nicole Lowrey to Lending Officer,” said James Whitaker, President, and CEO of Sawyer Savings Bank. “Nicole’s passion for delivering exceptional customer experiences, being a collaborative and engaging leader, and with her deep expertise in lending practices make her a valuable asset to our team as we continue to enhance our lending capabilities.”

“It is rewarding to be part of a team that works extremely hard to provide our customers and our communities with competitive lending products and great service,” said Lowrey. “There is no better feeling than helping someone achieve their dream of buying a home or starting a business where I live and raise a family.”

Mrs. Lowrey is a very involved member of the community where she and her husband Jon are raising two children Cierra and Bradley. She currently is a board member for the Saugerties Outlaws Youth Football league and an active volunteer with her daughter’s Girl Scout troop and her local volunteer fire department.

Sawyer Savings Bank is pleased to announce that Jennifer Musci has joined their team as a residential and commercial loan originator. With over 20 years of banking experience in the Hudson Valley, Ms. Musci understands the needs and the desires of the borrower. With her consistent focus on customer service, Jennifer will be able to guide her customers through the lending process with knowledge and understanding, making the loan experience a smooth one.

“I am excited to bring my experience to a local community bank such as Sawyer Savings. I take pride in being completely transparent throughout the loan process and look forward to working with Sawyer’s customers,” said Jennifer Musci.

“We are thrilled to welcome Jennifer to our team of local experts and know her talent and energetic personality will help us to continue to exceed customer’s expectations. With the addition of Jennifer, our team will continue serving residents in the Hudson Valley, whether they are building, buying, refinancing, or looking to expand and grow their business,” said Sawyer Savings Bank President James Whitaker.

Jennifer has a business administration degree from Dutchess Community College. She is a member of Ulster and Dutchess County Chambers of Commerce, Dutchess County Association of Realtors, and Mid Hudson Valley Mortgage Bankers Association.

When not working, Jennifer volunteers at the foodbank of Dutchess Outreach, as a girl scout leader for a Cadette Troop, and as a lector at St. Mary Mother of the Church in Fishkill. She is a certified personal trainer, enjoys boxing in her home gym, and ran her first half marathon with Team Sparrow of Sparrow’s Nest. She and her husband enjoy attending their children’s sporting and art activities and entertaining friends and family on the weekends.

Sawyer Savings Bank is pleased to announce that Penny Wilson has joined the Bank as Branch Manager at its Marlboro location. Ms. Wison brings over 20 years of experience in the banking experience to the position.

As Branch Manager, she will be responsible for overseeing all aspects of the day-to-day operations, business development, and community involvement through active participation in various civic and service club organizations.

“I was attracted to Sawyer Savings Bank as it’s a true local community bank with a long history of investing back into the communities that it serves, reflecting my belief of giving back to the communities that I work in,” said Ms. Wilson.

“We look forward to working with Penny as she oversees our Marlboro branch’s activities. I anticipate that her valuable years of experience, leadership skills, and professionalism will continue to provide a customer experience that our customers have become accustomed to,” said Sawyer Savings Bank CMO and CXO Jennifer Gutheil-Denier.

Ms. Wilson holds an MBA and a bachelor’s degree in business management and administration, both from Mount Saint Mary College, and has been a strong supporter of Junior Achievement of Northeastern New York and the United Way of Ulster County. In her free time, she enjoys taking weekend road trips with family and friends.