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Ralph X. Stone
Managing Director

Mr. Stone is the founder of Commercial Financial Consulting, LLC. He has over 30 years of experience in commercial financing, having served as a senior executive. He also served as senior executive vice president of business development for Fidelity Financing Corporation of Texas. Mr. Stone has the confidence and experience to handle difficult and complex commercial financing. He is also a co-founder of the Massachusetts State Auctioneers Association.

Rachel Q. Balboni
Senior Executive Vice President Underwriting

Ms. Balboni’s career experiences include positions in the insurance industry, the medical field and the legal field. Most recently, before coming to the company, she was a paralegal at a law firm on the South Shore. Her precise attention to detail has proven invaluable in the management of the office. She has mastered the financial documentation requirements and is proficient in executing all aspects of the company’s obligations.

James H. Lunt
Senior Executive Vice President

Mr. Lunt has served as Chairman and CEO of Rogers, Lunt & Bowlen Company for over two decades. He has also served on numerous corporate boards, including Blue Cross Blue Shield of Massachusetts as it’s Finance Committee Chairman. He has been a Director of Greenfield Savings Bank, Associated Industries of Massachusetts and The Berkshire Life Insurance Company. Mr. Lunt has also served on many community service boards, including as President of the United Way of Franklin County, Ma.

Cristine O’Keefe
Senior Executive Vice President

Ms. O’Keefe’s most recent role as Finance Manager for a manufacturing company in Western NY, provided the unique opportunity to implement a variety of financial strategies. From grants to short-term and long-term financing, she understands how to turn financial solutions into business success. Prior to business, she used her degrees in music education as an instrumental music teacher for ten years.

Demetrius White
Vice President

Mr. White has been involved in real estate development, cost estimation, plan reading and construction. He managed assets under Stone Investment Banking and most recently has been involved with several inner-city transactions in Boston, MA, more specifically, but not limited to commercial real estate financing. He has over ten years of business financing experience with strong organizational skills and a determined attitude to complete and fulfill commercial financing.

Deveney E. Nocher
Executive Assistant to the Managing Director

Ms. Nocher, a recent Merrimack College graduate, was working for a third-party financing company assisting wholesalers with scheduling, increasing their sales, and connecting them with new reps through an established sales network prior to her employment at CFC. Her work experience thus far has given her the foundation to be confident and successful with anything working at CFC can put in front of her.

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