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  Holiday Closing
Spencer Savings Bank will be closed November 28th in observance of Thanksgiving Day. For your convenience, account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read Full Message

Executive Team

Sam Naik
SVP, Director of Portfolio Management

Employed By Spencer Savings Bank Since: 2022
Employed In Industry Since: 2000

Outline of Responsibilities / Areas of Expertise / Memberships
Manages and directs the Portfolio Management activities of the bank’s Commercial Real Estate and Commercial and Industrial departments.

Responsible for the overall monitoring of the bank’s lending portfolio and strategically aligning project portfolios with business objectives.

Over 20 years of experienced financial leadership.

Areas of expertise include Middle Market Lending, Loan Workout, Commercial Lending and Small Business Lending.