MANCHESTER, NH (July 12, 2022) –NBT Bank President of New England Stephen Lubelczyk announced the promotion of Malindra Ratnayake and welcomed J. Chad Richards to the company’s New Hampshire commercial banking team as commercial portfolio managers.

“We’re proud to expand our commercial team and look forward to the expertise brought by Malindra and Chad,” said Lubelczyk.

Ratnayake joined NBT Bank in 2013 and most recently served as the credit support team leader. In this new role, he will use his previous experience to support commercial clients with all aspects of credit, underwriting and relationship management to improve internal efficiencies while delivering a comprehensive customer experience. Ratnayake earned his bachelor’s degree and MBA from Kutztown University in Pennsylvania. He also holds a Credit Risk Certification from the Risk Management Association.

Richards brings more than a decade of commercial banking experience, including a background in credit analysis and relationship management. In his previous position, he was responsible for overseeing a diverse loan portfolio across commercial real estate, commercial and industrial (C&I), hospitality, nonprofit and healthcare industries. Richards earned a bachelor’s degree from SUNY Plattsburgh.

Ratnayake and Richards

Malindra Ratnayake (top), J. Chad Richards (bottom)

About NBT Bank

NBT Bank offers personal banking, business banking and wealth management services from locations in seven states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. The bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, NY. NBT Bancorp had assets of $13.44 billion as of March 31, 2024 and is traded on the Nasdaq Global Select Market under the symbol NBTB. More information about NBT is available online at www.nbtbank.com. Member FDIC.

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