Dr. Kristin Carvalho

  • President, Chief Operating Officer and Treasurer MutualOne Bank, Framingham, MA
  • 2023 D.B.A. Graduate

Biography

Kristin has spent her career in banking, with a focus on commercial lending. She has a BS in Marketing from UMASS Dartmouth, an MBA from Bryant University and a Masters in Banking and Financial Services from Suffolk University. Kristin has been in executive management and senior management banking capacities for both small and large financial institutions. She ran a community bank for 10 years during the last economic downturn and through a sale to a super-regional bank in 2018. After the bank sale, she managed a credit risk regional consulting company that advised financial institutions throughout New England and New York. Kristin recently accepted her current position in a senior leadership position of an in excess of $1 billion community bank.

Research

Stress Testing of Bank commercial real estate loan assets