Ben Harris joins Modern Bank’s Commercial Markets group with more than 16 years of commercial lending and private equity investing experience. Prior to Modern Bank, Mr. Harris spent four years with ORIX Leveraged Finance, originating, executing, and managing senior secured, unitranche, and mezzanine loans. Prior to ORIX, Ben was a Vice President with Prospect Capital responsible for underwriting unitranche, mezzanine, and equity investments and managing portfolio positions. Ben previously worked at Bank of America Merrill Lynch in the Financial Sponsors group advising private equity sponsors and M&A and leveraged finance transactions. Prior to BAML, Ben spent four years in the European Private Equity team of Arcapita, leading the debt raising process for private equity transactions. Ben also spent five years with Merrill Lynch as an analyst and associate in the Leveraged Finance and TMT investment banking teams. Mr. Harris received a Bachelor of Science in Economics from University College London and a Master of Business Administration from the University of Chicago Booth School of Business.

Emanuel is a Director in Modern Bank’s Commercial & Industrial Lending Team. Before joining Modern Bank, Mr. Ma spent 12 years at Morgan Stanley underwriting and maintaining high-yield loans across a variety of industries including, but not limited to, General Industrials, Business Services, Gaming and REITs. Mr. Ma graduated from New York University with a B.S. in Business with dual concentrations of Finance and Actuarial Science.

Arlene Santiago is a Vice President at Modern Bank. She is responsible for growing the Bank’s deposit base and helping with business development. Arlene has over 13 years of experience in the Sales and Marketing sector. She spent over 10 years at JPMorgan Chase in the Private Client Division where she managed relationships, and advised high net worth and commercial clients in the North East region and internationally. During her tenure at JPMorgan Chase she was responsible for originating various banking and asset management products, lending solutions, and investment accounts.

Evan Gregoire is the Vice President and Head of Modern Bank’s Commercial and Industrial Portfolio Management Team. Before joining Modern Bank, Mr. Gregoire spent six years at Mizuho Bank in credit risk and portfolio management where he underwrote and managed both high-yield and investment grade loans across an array of sectors including TMT, gaming, REITs, power, and utilities. Prior to his time at Mizuho, Mr. Gregoire spent five years at the Royal Bank of Scotland in credit risk and leveraged lending portfolio management.

In his spare time, Mr. Gregoire enjoys attempting to trick fish with his new fly rod, reading a good book, and exploring hiking and running trails across New England.

Mr. Gregoire graduated from Dickinson College with a B.A. in English, and another B.A. in International Business & Management.

Connor is an Assistant Vice President in Modern Bank’s Commercial Markets group. Prior to joining Modern Bank, Connor worked as an analyst at Deutsche Bank in the Leveraged Finance Credit Risk department where he performed transactional credit analysis and portfolio management duties for the Leveraged Finance Origination team. Connor graduated from Fordham University’s Gabelli School of Business with a B.S. in Finance.

Ryan is an Associate in Modern Bank’s Commercial Markets Group. Prior to joining Modern Bank, Ryan was a summer analyst at Guggenheim Securities on both the Fixed Income Macro Products and Equity Research Sales desks. Prior to that, Ryan worked as a Private Equity Intern at Caledon Capital Partners in London. Ryan graduated from the University of Connecticut School of Business with a B.S. in Finance.

Jack Benotti is an Associate within Modern Bank’s Commercial and Industrial Portfolio Management Team. Before joining Modern Bank, Jack spent three years at Mizuho Bank in credit risk primarily covering both high-yield and investment grade loans within the TMT and Gaming sectors. Outside of the office, Jack enjoys playing golf, cooking, and fishing.

Jack graduated from the University of Delaware with an Honors B.S. in Finance.

Chris is an analyst in Modern Bank’s Commercial Markets Group. Prior to joining Modern Bank, Chris worked in Biz2Credit’s underwriting group, where he focused on originating and structuring high yield credit opportunities syndicated through a network of various debt funds and structured credit investors. Chris graduated from Fordham University’s Gabelli School of Business with a B.S. in Finance.

Dean Hrozenchik is an Analyst of Modern Bank’s Commercial and Industrial Portfolio Management Team. Before joining Modern Bank, Mr. Hrozenchik spent almost three years at MUFG in Corporate Banking Credit where he underwrote and managed both investment grade and high yield loans across an array of sectors including consumer, food and beverage, healthcare, and entertainment finance. Prior to his time at MUFG, Mr. Hrozenchik spent two years at Fitch Ratings for their Non-Bank Financial Institutions team covering aircraft leasing, mortgage REITs, alternative investment managers and other specialty finance companies.

In his spare time, Mr. Hrozenchik enjoys watching movies, following basketball and baseball, graphic design, and social outreach in the form of mentoring underserved high school students.

Mr. Hrozenchik graduated from Baruch College with a B.B.A. in Finance and Investments and was a career preparation fellow from the Management Leadership of Tomorrow.