Whether you’re working on a start-up, funding business expansion, or investing, we have options that fit your goals, company size, and amount you’d like to borrow. Navigant Credit Union offers the same solutions as larger institutions do, with personal attention and local sensibility.
We’re a SBA Preferred Lender, offering Term Loans for long-term investment, Business Lines of Credit for flexible financing when you need it, and Real Estate Financing.
Your Navigant loan specialist will put your documents in a standard, complete package and formally submit it. We’ll conduct a financial analysis of the request, including cash flow, guarantors, and credit worthiness.
From you? Nothing. It’s all on us.
The underwriter is a key decision-maker, making sure you match the requirements of the loan product for which you applied. When the underwriter’s work is done, your loan specialist will produce a written Term Sheet that summarizes our loan proposal for you (or, if the loan has been declined, a letter that explains the decision).
For you, just one: after you receive the Term Sheet, sign it and return it to us, indicating your acceptance of the terms and conditions of Navigant’s loan proposal.
In this step, Navigant completes the detailed loan write-up. You’re not approved yet, so how long will it take?
For Business Loans – For Lines of Credit and Term Loans to operating companies, you can expect approval in 10-20 business days. (Loans with policy exceptions that require Credit Committee approval can take longer.)
For Commercial Real Estate Loans – You can expect approval in 20-30 business days. This assumes we’ve received appraisal and environmental reports on time. (Loans with policy exceptions that require Credit Committee approval can take longer.)
From you? Nothing. It’s all on us.
For Business Loans – Navigant Credit Union will request business documents from the attorney you have chosen. Our own closing attorney will review everything, prepare the required closing documentation, and schedule the closing. It can take up to 20 business days for a closing to be scheduled.
There is a possibility (for smaller loans) that all required documentation may be prepared by the Credit Union, and the closing may be scheduled in as little as 5-7 business days.
For Commercial Real Estate Loans – Navigant Credit Union will request a title search and/or other business documents from the attorney you’ve chosen. Our own closing attorney will review everything, prepare the required closing documentation, and schedule the closing. It can take up to 20 business days for a closing to be scheduled.
For you, just RSVP to the closing invitation. (But if it’s a real estate loan, do check in on your attorney. His or her timeliness will affect how quickly we can move.)
It’s time to sign a stack of documents and complete your financial transaction. If everyone involved understands the terms and the documents they’ll be signing, the closing should go quickly.
For you, just a pen – and ideally, an understanding in advance of the documents you’ll sign.
Our Team
Senior Vice President, Director of Commercial Banking
Senior Vice President, Director of Commercial Banking
Jeffrey P. Cascione is the Senior Vice President, Director of Commercial Banking at Navigant Credit Union, where he is responsible for the oversight of all loan underwriting and approval recommendations, and for the day-to-day management of its Commercial Lending and Business Development Departments. He is also a member of the Senior Leadership Team.
A lifelong Rhode Islander, Jeff earned both his bachelor’s degree and his MBA from the University of Rhode Island and has established himself as an active leader in Rhode Island’s business and philanthropic communities. He currently serves as the Chair on the Board of Directors for the Northern Rhode Island Chamber of Commerce, and St. Mary’s Home for Children. He also served on the Board of Trustees for Holy Apostles Church in Cranston, Board Member and Treasurer for the Gabrielle Dinsmore Heart and Hope Fund, and as a member of the Executive Leadership Team for the American Heart Association’s Southern New England Chapter. Jeff has participated in many charitable events over the last ten years as Emcee and Auctioneer.
Jeff lives in Johnston with his wife, Eleni, where they enjoy spending as much time as possible with their combined families including four children and four grandchildren.
VP, Senior Relationship Manager
VP, Senior Relationship Manager
Prior to joining Navigant Credit Union in 2011, Don held management positions at Centreville Bank, Sovereign Bank and Fleet Bank. He holds a Bachelor of Science degree in Economics from Bentley University and an MBA in Business from the University of Rhode Island. Don is active in Rhode Island civic organizations, including the Coventry Housing Authority, where he is a member of the Family Self-Sufficiency Committee, the Pawtuxet Valley Rotary Club, where he serves as Treasurer, and is an Advisory Board Member of the Rhode Island Small Business Development Center.
Don is married, with a blended family of four boys.
VP, Senior Credit Officer
VP, Senior Credit Officer
Gian is a banking professional with over 35 years’ experience in commercial lending, underwriting, and portfolio management. He is a graduate of Syracuse University with a Bachelor of Arts in International Relations.
Throughout his career, Gian has been active in various Rhode Island civic organizations, including the Pawtucket Loans Club, Wakefield Rotary Club, North Kingstown Chamber of Commerce, and was a member of the Board of Directors of the South County YMCA. He is also currently a member of the Renaissance – Alliance Sons of Italy.
VP, Relationship Manager
VP, Relationship Manager
Kevin’s “customer first” approach comes from years of experience in management, sales, and service positions. Prior to joining Navigant, Kevin held similar positions at Bank Rhode Island and Citizens Bank. Kevin received his degree in Business Administration and Marketing from LeMoyne College in New York. He has also completed Moody’s Credit Training course and additional management coursework.
Kevin has been a member of the Board of Directors for the YMCA of Pawtucket since 2010, and currently serves as Board President. He has also been a volunteer with the Barrington Little League, previously serving as Treasurer.
VP, Relationship Manager
VP, Relationship Manager
Fred joined Navigant Credit Union in 2016, after six years as a Business Banking Officer at Citizens Bank. Prior to that, he was owner and manager of a construction and real estate development firm. He received a Professional Project Management Certificate from Bryant University.
Fred is a member of the Board of Directors of Working on Walking, a non-profit organization supporting Spinal Muscular Atrophy (SMA). Fred is a US Air Force veteran. He lives with his wife in Cumberland, RI.
AVP, SBA Loan Specialist
AVP, SBA Loan Specialist
Pat has over eight years of commercial banking experience, with a concentration in small business lending. As a Commercial Lending Portfolio Manager, Pat has a vast array of knowledge in originating, underwriting, and servicing commercial loans of all sizes and types. He received his Bachelor’s degree in Finance from Johnson & Wales University and is an MBA candidate at University of Massachusetts Dartmouth with an expected graduation date of December of 2021. As an active member of the community, Pat sits on the Board of Directors for Border to Border for Megan & Friends, which supports the Tomorrow Fund Children’s Oncology Clinic at Hasbro Children’s Hospital and Providence Ronald McDonald House.
Specializing In:VP, Relationship Manager
VP, Relationship Manager
Keith has 25 years of management and lending experience, working with business owners throughout Southern New England to assist them in achieving their financial goals. Keith believes that service excellence is at the heart of every customer interaction and works to inspire, mentor, and offer guidance to business owners. Keith is actively involved in his community, serving as a Board member for both Cranston Economic Development and the Cranston Rotary Club. He is a former Board member of Providence/Cranston Workforce Development and the Narragansett Counsel of the Boy Scouts of America. Keith is a volunteer coach for soccer and baseball with Cranston Leagues for Cranston’s Future (CLCF).
Keith attended Johnson and Wales University and lives in Cranston, RI, with his wife and two children.
Specializing In:VP, Relationship Manager
VP, Relationship Manager
Joe has over 35 years of banking experience, with a focus on community economic development. Prior to joining Navigant, Joe served as Vice President, Relationship Manager for Webster Bank’s Business Banking Team. This is a return to Navigant for Joe, as he worked as an Assistant Vice President here for 6 years before joining Webster Bank. He has also held various positions at Bank of America and BankBoston.
In addition to his banking experience, Joe spent 2 years in the not-for-profit sector, serving as Project Director for The Providence Plan, an organization dedicated to comprehensive urban change.
Joe received a Bachelor of Science degree from Rhode Island College. He is a past governor-appointed board member of Rhode Island Housing and Rhode Island Economic Development Corporation. He is presently a board member of the United Regional Chamber of Commerce and represents Rhode Island on the New England Community Development Company.
Joe and his family live in Lincoln, Rhode Island, and he remains active in numerous civic and community organizations throughout Rhode Island and Southeastern Massachusetts.
VP, Business Development
VP, Business Development
Bob has over 35 years in the financial services industry, including 20 years with Navigant Credit Union. During his time at Navigant, Bob has overseen the development and growth of the Residential, Consumer Lending, and Indirect Lending departments, as well as Loan Servicing. In his current role as Vice President of Business Development, Bob oversees the Business Relationship Management team. He provides leadership to the initiatives of new member acquisition and maintaining strong member relationships. Bob’s expertise in credit union products and services provides the team with the necessary tools for success.
Over the years Bob has served the community in various capacities, and currently serves on the Boards of the Children’s Workshop Foundation and Spurwink RI, an organization that provides opportunities to children and adults with disabilities. Bob is also the Treasurer of the Italo American Club of Rhode Island.
AVP, Business Relationship Manager
AVP, Business Relationship Manager
Gidget has 28 years of retail banking experience, including the last 11 years with Navigant Credit Union. She provides her customers with outstanding service and will go above and beyond to help them reach their goals. She is a member and past President of the Cumberland /Lincoln Lions Club, and was the club’s Melvin Jones Award recipient in 2019.
Gidget has been a resident of Lincoln, RI for 28 years, and enjoys spending time at her beach house with her husband and two children, as well as her five siblings and their families.
Specializing In:AVP, Business Relationship Manager
AVP, Business Relationship Manager
Jennie has been with Navigant Credit Union for four years, and has 10 years of banking experience as a Small Business Specialist, Branch Manager and Business Relationship Manager. Jennie excels at building new business relationships throughout Rhode Island while also maintaining a diverse portfolio of commercial and consumer members. Prior to her banking career, Jennie was a franchise owner of two Warwick-based businesses and a Certified Public Accountant. She is a graduate of Miami University, Ohio.
Outside the Credit Union, Jennie serves as Treasurer of Business Networking International (BNI) Capital Gains Chapter and is an Ambassador for the Central Rhode Island Chamber. She enjoys spending time with her adult children and her hobbies include cycling, paddle boarding, kayaking, and cross-country skiing. She and her boyfriend reside in North Kingstown with their two dogs, Crosby, and Bentley.
Specializing In:AVP, Business Relationship Manager
AVP, Business Relationship Manager
Derek Quigley joined Navigant Credit Union in 2022 as Assistant Vice President / Business Relationship Manager. Through leadership positions at Citizens Bank, Rockland Trust, Bank of America and other financial institutions, Derek has gained nearly two decades of diverse experience in the financial services sector, specializing in consumer lending, business development and business banking.
Derek leverages his proven expertise and unique ability to develop relationships with business leaders across a wide range of industries to help his clients improve their efficiencies and cash flows, meet their financial goals, and remain on the path toward successful futures.
Derek earned his B.A. in Operations Management from the University of Massachusetts Dartmouth, and his MBA in Business Operations from the University of Phoenix. He serves as Treasurer for the Fall River Business Builders; a Mentor for Entrepreneurship for All. He is also currently serving as Rotarian of the Cranston Rotary Club.
Derek resides in Exeter, Rhode Island with his wife and children. In his spare time, Derek enjoys family camping trips; coaching youth baseball; and playing golf.
Specializing In:Complete the form below or call 401-233-4700
We’re excited to welcome the PGEFCU members to Navigant Credit Union. For member information, click here.
Online & Mobile Banking will be unavailable on Saturday, December 9 from 9:00pm – Sunday, December 10 at 5:00am due to system maintenance. We apologize for the inconvenience.