Joe Ganzelli Sr. specializes in process improvement at Cornerstone Advisors. Joe helps clients by identifying and implementing tactical strategic process efficiencies, with particular focus on revenue accretive opportunities and business lending strategies. Prior to Cornerstone, Joe spent 15 years as a banker in Deposit Operations, C&I lending and as a Business Banking credit officer. He also held consulting roles with AFS, Fiserv and KPMG, managing commercial loan origination and process efficiency engagements for financial institutions nationally. Joe is a graduate of Penn State University, Widener University and holds a CompTIA Project+ Certification, nCino Partner Certification, and SalesForce ADM Certification. Joe has been cited in The RMA Journal, is a Fiserv National Conference Speaker, and other Fiserv articles published on commercial and small business lending best practices. Joe stays Gonzo through spending time with his sons, enjoying the beach with his family, and attending classic rock concerts.