How I can help you

I can help you with Business Plans and Operations; Government Procurements; Financing; SBA and State Government Loan Programs through my experience in banking, financial Services, insurance and consulting.


Oct 2008–May 2015

Business Loan Officer. Community Concepts Finance Corp. Underwrote loan requests and presented the underwriting to loan committees. Also assisted in business loan closings and servicing after loans had been disbursed. Obtained more than $5 million in financing for small businesses utilizing Federal, State, local and conventional loan programs.

11/26/07 – Oct 2008

Auditor 1.  State of Maine Department of Health & Human Services-Division of Audit.

Settled agreements between the State of Maine and Community Agencies primarily by determining whether funds should be recovered or rebated, through the analysis of budgets and actual financial performance of Community Agencies. 

1/29/07 - 11/23/07

Compliance Specialist. Citigroup Global Transaction Services (on contract through Manpower).

Reviewed documents such as Prospectuses, Statements of Additional Information, and Investment Agreements and extracted testable attributes for the MIG-21 automated investment restriction system.


Tax Professional I. H&R Block.

Prepared income taxes for individuals and small businesses using software proprietary to H&R Block, and researched various tax issues.

3/27/06 - 11/16/06

Loan Officer. Pepperell Bank & Trust; 163 Main St.; Biddeford, ME 04005.

Prepared and submitted loan applications utilizing bank and US Small Business Administration loan programs, obtaining loans of approximately $1.8 million.


Loan Officer.  Androscoggin Valley Council of Governments.

Prepared loan analyses and applications assisting borrowers to obtain financing for more than $8 million, using programs of the US Small Business Administration, the US Department of Agriculture, the Finance Authority of Maine, and the State of Maine Department of Economic and Community Development. Utilized some of the more complex programs such as the US SBA 504 Loan Program, the State of Maine Development Opportunity Fund, and the US Department of Agriculture Business and Industry Loan Program. Worked on collateral releases, loan workouts and subordination requests.


Small Business Development Center Business Counselor.  Androscoggin Valley Council of Governments; 125 Manley Rd.; Auburn, ME 04210.

Worked with small businesses and individuals in preparing business plans and loan applications to the US Small Business Administration, US Department of Agriculture, Finance Authority of Maine, and other local lending agencies. Helped borrowers to obtain over $10 million in financing through use of these programs. Also advised individuals about purchasing and starting new businesses, and counseled small businesses on issues such as break-even analysis, pricing products and services, and US Government Procurement.


Staff Accountant.  Hancock Lumber Company. Casco, Maine.

Prepared financial statements for three of nine divisions of the Hancock Lumber Co.


Assistant Controller.  Omnidentix Business Systems. Dedham, Massachusetts.

Supervised three record keepers and prepared quarterly financial statements and reports required by the Securities and Exchange Commission for this publicly held Company. In 1985 the Company filed for bankruptcy protection.                                                                                   


Staff Accountant.  O’Connor and Drew, CPA’s. Braintree, Massachusetts.  

Assisted in audits of small businesses, and prepared financial statements and income tax returns of these small businesses.   


Hiking, skiing, and camping.


Areas of Expertise
  • Business Finance & Accounting
  • Business Strategy & Planning
  • Business Operations

Industry Experience
  • Banking, Finance & Insurance
  • Professional & Business Services






Southern New Hampshire University. Manchester, New Hampshire. Received MBA Degree on May 19, 2007. GPA 3.352


Northeastern University. Boston, Massachusetts. Bachelor of Science in Accounting. GPA 3.222


Saint Michael’s College. Winooski, Vermont. Bachelor of Arts in American Studies

Joseph Balchunas

Communication Methods

  • In Person