Kristin Carvalho Named President/CEO at Cobblestone Management

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Kristin T. Carvalho has been appointed President/CEO at Brockton-based Cobblestone Management, LLC, risk and credit consultants to financial institutions. The announcement was made by Roland Bullard, Cobblestone Management Chairman and Director.

Ms. Carvalho previously served as President/CEO at The Milford National Bank and Trust Company in Milford, MA. At the time of her appointment the Bank was under regulatory scrutiny by bank regulators. Under her leadership the bank stabilized and grew to become one of the area’s most successful commercial and residential lenders and was named one of the Fastest Growing Lenders in Massachusetts by Banker & Tradesman. The Bank also achieved many other milestones, including an “Outstanding” Community Reinvestment Act Bank and a Preferred SBA lender status. Prior to joining The Milford National Ms. Carvalho served in varied credit, risk management and commercial lending capacities at Citizens Financial Group.

“Kristin brings a wealth of experience to the Cobblestone team,” stated Bullard. “In addition to her extensive credit training and knowledge, we were very impressed with her accomplishments at the Milford National. Her leadership skills will be of great value to Cobblestone as we continue to grow and expand throughout the northeast.”

Ms. Carvalho served on the Massachusetts Banker’s Associations Legislative Liaison Committee as well as a Trustee of their health insurance trust. She was also a Corporator of the Milford Regional Medical Center. Ms. Carvalho has also held various and many community service roles at the local, state and national levels.

Ms. Carvalho received her Bachelor of Science degree at the University of Massachusetts/Dartmouth, a Master of Business Administration from Bryant University and a Master of Science in Financial Services and Banking from Suffolk University. She resides with her husband and family in New Bedford, MA.

Cobblestone Management has assisted financial institutions with their risk management practices for over thirty years. Services include loan review, stress testing, credit underwriting support, enterprise risk management, CECL alternative and Merger & Acquisition Due Diligence.

Additional information about Cobblestone Management can be found at cobblestonerisk.com.

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