Growing your business doesn’t just happen

FNCB Small Business Team offers service, solutions and strategy to impact bottom line
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20 Under 40: JenniferDessoye

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Dr. Jennifer Dessoye is assistant professor of occupational therapy at Misericordia University and owner of Bright Beginnings Early Learning Academy (BBELA). Discontent with the early education curriculum and understanding of human development and neurolo (read more)

20 Under 40: Amy Hlavaty Belcher

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Amy Hlavaty Belcher, 39, owner and artistic director of Abrabesque Academy of Dancing, believes that for those who have been given much, much is expected. “I just try hard to do my best,” she said. I have been blessed with many opportunities and many gift (read more)

20 Under 40: Christopher Hetro

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Chris Hetro, 33, works hard and plays hard. “A strong work ethic is important, but finding balance outside of work is important because life is too short and you need to enjoy it,” he explained. As an electrical engineer and project manager at Borton-Laws (read more)

20 Under 40: C. David Pedri

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For attorney C. David Pedri, 37, it’s all about a combination of qualities that contribute to success. “My philosophy is simple: be open and honest, treat people the way you would want to be treated, with respect, and work hard to attain your dreams. The (read more)

20 Under 40: Ed Frable

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Ed Frable, 28, believes “if I work hard and stick to my word, good things will happen. My crew will not be deterred. We will re-evaluate our game plan and not give up until the job is complete,” explained Frable, the owner/operator of Ed Frable Constructi (read more)

20 Under 40: William H. Bender II

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William H. Bender II, CFP, CIMA, CRPC, loves what he does. “I’m lucky. I come to work every day excited to help the people and institutions we work with,” explained Bender, 34, first vice president at Bender Wealth Management Group, Merrill Lynch. The fam (read more)

20 Under 40: Angelo Venditti

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Angelo Venditti, 38, heard a call to the helping professions early on. Geisinger Northeast’s chief nursing officer answer was to volunteer for his local fire company. After high school, he became a paramedic, then enrolled in nursing school. Three years a (read more)

20 Under 40: Donald Mammano

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At 20, Donald Mammano began his own company, while attending the University of Scranton. Mammano, now 33, and president of DFM Properties, recalls, as a youngster, holding a flashlight while his father fixed the kitchen sink. “From that point on I was fas (read more)

20 Under 40: William J. Fennie III

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William J. Fennie III, 27, is always knocking on the proverbial door, because he knows one day, one will open. As an investment specialist with Integrated Capital Management (iCM) he cannot take “no” for an answer. “I make cold calls every day to invite f (read more)

20 Under 40: Marcus Magyar

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As an advisor at CAPTRUST Financial Advisors, Marcus N. Magyar, CFP, 30, provides comprehensive wealth management and investment portfolio services to business owners, executives, families and high-net worth individuals. His multi-disciplinary team of pro (read more)

20 Under 40: Heather Davis

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Heather M. Davis, 33, director of marketing and communication, is responsible for creating, overseeing and implementing a strategic marketing and comprehensive communications plan for The Commonwealth Medical College (TCMC). She is also responsible for pr (read more)

20 Under 40: Alexandria Duffney

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Alexandria Duffney, 30, is competitive by nature and loves a good challenge. These qualities have led her to her position as associate director of graduate admission at Wilkes University. Here she works with prospective students interested in enrolling in (read more)

20 Under 40: John Culkin

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John Culkin’s tenets inform: “Less haste equal more speed; the same boiling water that softens the potato hardens the egg, it is all about what you are made of, not the circumstances surrounding you; and don’t ask someone to walk a mile in your shoes, bef (read more)

20 Under 40: Conor O'Brien

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“What could be worse than getting to the end of your life and realizing you hadn’t lived it,” mused Conor O’Brien.” As co-founder and executive director of the Scranton Fringe Festival, O’Brien, 25, is responsible for leading the development of the overal (read more)

20 Under 40: Jessica Siegfried

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Jessica Siegfried, 38, is senior designer with BlackOut Design Inc., where she is responsible for all creative design at the full-service agency, from traditional branding and print to collateral and front end web design. “I’ve always had an interest in t (read more)

20 Under 40: David Johns

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David Johns’ career path has been shaped by his diverse experiences. As director of structural engineering at Greenman-Pedersen Inc., Moosic, Johns, 39, ensures that his engineering and consultant teams provide clients with their best effort. “We complete (read more)

20 Under 40: Robyn Jones

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Robyn Jones, 38, president of ReferLocal LLC, has learned just as many lessons from her business successes as she’s had from her failures — and she believes it’s important to share that knowledge with her employees. After graduating from American Universi (read more)

20 Under 40: Nisha Arora

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Nisha Arora, 36, tries to be the best version of herself every day. As general counsel for ERA One Source Realty Inc., she realized she cannot control other’s behavior so “I try to focus on myself and how I can be better,” she explained. Arora’s responsib (read more)

20 Under 40: Justin Sandy

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Starting at a young age in Hazleton, Justin C. Sandy, 33, found a passion for running. He became a member then a coach for Misericordia University’s cross country and track and field programs. “It was at Misericordia that I also garnered the profound sati (read more)

20 Under 40: Dr. Ariane Conaboy

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As a doctor of internal medicine at Physicians Health Alliance, Dr. Ariane M. Conaboy, 34, realizes the importance of human life and how fragile it can be at times. Conaboy graduated from Scranton Prep and the University of Scranton with a double major in (read more)

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One of the biggest reasons many businesses don’t grow is because the financial institution they are working with either doesn’t take the time to listen to their needs or has forgotten they exist.
First National Community Bank, a leader in providing small business banking solutions in Northeastern Pennsylvania, isn’t your typical financial institution. Their experienced business development team is dedicated to understanding the needs of local businesses to not only help them get started, but also to help them grow the most important thing — their bottom line — which, in turn, helps our economy and community grow.
They realize growing your business doesn’t “just happen” — it takes a dedicated partnership built on three simple concepts: Service, solutions and strategy.

Service

Unlike most financial institutions, FNCB doesn’t believe their job is done once you sign on the dotted line. Instead, FNCB believes businesses require greater competence and responsiveness from a bank that understands their more complex needs.
“Exceptional service and personal relationships are what set FNCB apart from every other bank in our market,” said Vice President and Business Development Officer, John Dorneman. “Our relationship managers help businesses grow by taking the time to understand their goals, current financial situation and anticipated financial needs. Once the paperwork is complete, we don’t hand them off, we stay with them through every step of the business cycle.”
With numerous banking options available, including completely online banks, a personal relationship with your banker may seem less important. It’s not. In fact, it may be the most important factor in the success of your business.
“Developing a personal relationship with your banker can make all the difference when you have an urgent need or run into difficulty,” he said. “There is no substitute for the service a dedicated local banker can provide who has a vested interest in you and your business.”
With a large branch network and over a 300 person workforce based exclusively in Northeastern Pennsylvania, FNCB business customers can be assured all decisions and “service after the sale” is being handled by members of the local community.
“If they have a question or concern, they are not going to be directed to an out-of-state call center,” said Dorneman. “We take great pride in providing the high level of service and understanding that can only be offered by local people. In most cases, we can be there in ten minutes, try getting that level of service from a big bank in Philly.”
One area where local decisions by local people have the greatest impact is lending. In contrast to big national banks, where lending decisions may be based purely on numbers or computer models to determine whether to make a loan, FNCB takes the time to understand local businesses and what their needs and goals are both short and long term.
Their lending decisions go beyond just the financial statements. They look at all aspects of a business applying for a loan before any decisions are made. It’s this kind of flexibility — and willingness to look beyond the traditional — that makes FNCB a better option for business lending.
By drawing on qualitative information — getting to know the borrower, learning about the business, and understanding the local market — FNCB can better assess risk and successfully make loans to a wider group of businesses.
“Sure numbers are important, but they don’t always tell the whole story,” said Senior Vice President, Regional Commercial Lending Manager Patrick Barrett. “When we sit down with a business, we take everything into consideration, not just the raw numbers on a spreadsheet. There is more to it than that.”
This “let’s get this done” approach with an emphasis on superior customer service is what has allowed First National Community Bank to continue to help businesses grow, even during the recent economic downturn.
 

Solutions

As a trusted advisor, many times, the advice a banker gives is far more important than the product or service they offer — by providing knowledgeable solutions tailored to a business’s current financial situation and plans for the future.
To execute this mission, your banker should ask questions, understand your business objectives and obstacles and offer a customized suite of services and rates that will help you meet your goals. Unfortunately, many bankers often take a transactional approach to client relationships and tout the product of the day instead of recommending services you really need.
While FNCB offers a wide-range of business deposit and loan products and services that include lines of credit, checking accounts, online banking and remote deposit capture, none are offered until a full needs analysis is complete.
Getting started with FNCB is effortless — an initial meeting gathers basic information about the business which assists relationship managers in the development of a plan that offers the most value to the customer.
“By carefully analyzing the needs of our customers, we can offer specific, targeted solutions to help their business grow,” said Dorneman. “We don’t offer products just for the sake of offering products. We put together detailed, customized solutions based solely on the needs of the customer.”
Whether a business wants to increase working capital, needs help reaching growth objectives or simply wants to take advantage of a business opportunity, FNCB offers flexible solutions to help them attain their business goals.

Strategy

Do you have a business plan that covers the best, most likely, and worst case scenarios? We all know that things in life don’t always work as planned; a good banker must understand each of the three scenarios because bank support is needed through good times and bad. The benefit of developing alternative business plans also shows that you understand both risks and opportunities of operating in your industry regardless of financial climate.
In today’s economic times, creating such plans can be challenging. FNCB makes the process simpler by offering business owners and start-ups team-based solution strategy sessions to keep them focused and on track.
In addition to offering clear solutions on how to save money in your banking relationship, FNCB recommends working with trusted advisers like an attorney and CPA, because each member of the team offers wisdom and solutions that can help you grow your business.
“Our relationship managers are trained to sit with the business owner and their attorney or accountant to develop a comprehensive strategy because we know without a strategic plan, identifying solutions is just an empty promise,” added Barrett.
Having a trusted locally based community banker like FNCB on your team offers an additional benefit over big national banks.
“Because we are exposed to many local businesses and industries, we can be a great resource for ideas to help them strategize ways to reach their growth objectives,” Dorneman said. “We are their advocates not just in the beginning of the relationship, but also in the future should a need arise.”
So, while it’s true growing your business doesn’t “just happen,” the exceptional service, flexible solutions and innovative strategies offered by FNCB helps ensure local businesses achieve their business goals. And ultimately, that in-kind approach helps fuel local economic and community growth.
To learn how FNCB can provide solid solution strategies that can help you discover your growth potential and offer ways to achieve your desired results, call 1-877-TRY-FNCB to schedule a free, no-obligation solution strategy session customized for your business.