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Connecticut Lending StaffTimothy Rourke – President & CEO
NMLS# 106051
BCI Financial Corporation
BCI Financial Mortgage Corporation
203-439-9400 Ext. 421

Tim has been involved in financial services for almost 30 years in Connecticut. He has worked in banks and other institutions and has found that the most gratifying work has been assisting people in obtaining loans and mortgages. He started BCI because he felt that “Big Banks” were not properly fulfilling the communities needs. Tim's philosophy in business is to give the customer superior customer service and the customer will keep coming back or recommend you to their friends.

Tim lives in Wolcott with his wife Mary Ellen and his dogs Bentley and Kerry.


Connecticut Mortgage SpecialistKenneth Penfield Mortgage Division Manager
NMLS# 106220
BCI Financial Mortgage Corporation
203-439-9400 Ext. 427

Ken Penfield has been in community banking for more than 20 years and as a lifelong resident of Southington, where he has established a solid reputation as a trusted lender. Ken currently manages the Mortgage Department at BCI Financial Mortgage Corporation, which includes numerous loan officers who originate conventional , commercial and Reverse Mortgages. Ken was excited to lead BCI Financial in becoming one of the first financial institutions to offer the Reverse Mortgage product in Connecticut. His experience as a dedicated mortgage lender has allowed him to help many people achieve their dream of home ownership.

Ken continues to reside in Southington with his wife, Jessica; sons, Nathan and Justin; and his dog, Luke.. Ken feels that “making low cost mortgages for consumers is a wonderful way to help a community to grow and prosper.”


Connecticut Sr.  Loan OfficerKevin Luddy – Senior Loan Officer
NMLS# 78481
BCI Financial Mortgage Corporation
203-439-9400 Ext. 422

Kevin began his career by earning his B.A. in Business Administration from St. Michael's College and later earning his M.A. in Business Administration from the University of New Haven.

Since then he has held many acclaimed positions with several of the country's top mortgage companies. As holder of these and other key positions such as Branch Manager and Vice President, Kevin's common responsibility included operation of local branches and the origination of mortgage loans.

Kevin founded Constitution Mortgage in 1990 and has excelled at getting difficult mortgages done for his customers. He also maintains relationships with many lenders with production throughout the State of Connecticut.


Connecticut Loan OfficerCarol Montagna - Loan Administration Officer
BCI Financial Corporation
203-439-9400 Ext. 432

Carol has been in banking for over 30 years. Prior to joining BCI, she worked in different capacities at Connecticut National Bank and The Bank of New Haven. Carol is well known and respected in both the banking and automobile industry in Connecticut. She works with customers, automobile dealers and banks to assure that they are all getting superior customer service. Carol likes to remind her staff that “great customer service will always pay off in the end.”


Connecticut Loan OfficerMichael Coleman - Consumer Loan Officer
BCI Financial Corporation
203-439-9400 Ext. 433

Mike has been involved in many different aspects of automobile financing for 25 years at several companies. Prior to joining BCI Financial, he worked at Connecticut National Bank, The Bank of New Haven and other financial services companies and credit unions. Mike believes that “Working with automobile dealers to make loans for new and used cars is very rewarding. I often work hard to make sure that the dealer looks for every opportunity to assure that the customer gets the car that best suits their needs.”


Connecticut Loan OfficerStephen Emory - Chief Operations Officer
BCI Financial Corporation
203-439-9400 Ext. 434

Steve joins BCI Financial with over 25 years of banking experience, the vast majority of his time has been spent managing Indirect Auto portfolios. He has a wide range of experiences in the banking industry that include collections, dealer development and operations. Steve began his career at Connecticut National Bank managing collections and loan recovery teams before moving on to Nations Bank/Bank of America to become a Relationship Manager, developing their Indirect Auto Retail/Leasing and Commercial Loan portfolios. He joined Sovereign Bank where he managed their Floor Plan Operations team working with dealers and internal bank staff to forge strong customer relationships.

"Dealers and consumers have many options available to them when looking for financing sources to do business with. I believe strongly that if you provide your customer with prompt, personalized service you will not only retain your existing customers, but you will develop repeat customers. Our goal at BCI Financial is to develop new customers, retain existing relationships and have customers who want to do business with us again."


Dealer RelationsRichard Graziano Dealer Relations - South
BCI Financial Corporation

Richard Graziano is a native of the New Haven area and has been active in the local business community for over 25 years. He has a diverse background in the automotive business working in sales, credit, collections and lending allowing him to bring an overall understanding to the Dealer Relations position.

Richard is committed to building long lasting relationships and to providing the highest level of customer service. His extensive knowledge of the ever changing automotive industry is a benefit to any business partner.


Connecticut Loan OfficerSusan Rubino - Loan Officer
NMLS# 78485
BCI Financial Mortgage Corporation
203-439-9400 Ext. 431

Susan began her career in finance with Connecticut Savings Bank in 1980. Since then she has held positions with ComFed Mortgage as Processor, Countrywide Funding as Underwriter, American Mortgage services as Loan Officer and then Secondary Marketing Manager.

Currently Susan is with Constitution Mortgage as Loan Officer who merged with BCI Financial in 2010. Her 32 year career in this field has enabled her to work in many areas of the mortgage industry which gives Susan a broad knowledge to assist her clients with their purchase and refinance needs.


Connecticut Loan OfficerBrian Turley - Loan Officer
NMLS# 568816
BCI Financial Mortgage Corporation
203-439-9400 Ext. 428

Brian Turley has been in banking for more than 20 years. He comes to us from Liberty Bank where he worked in the Consumer and Residential Lending Department. His personal motto of "always do what is best for the customer and treat them as you would want your own family to be treated" has made for many happy homeowners. Brian's focus is educating customers about the Conventional and Reverse Mortgage process and finding the best program for his customers.

Brian lives in East Windsor with his wife, Karen and two sons Justin and Cameron. He is involved in the community as a member of the Board of Appeals of Assessments, executive board member of the Chamber of Commerce and President of the East Windsor Soccer Club.


Connecticut Mortgage Loan OfficerGregg M. Luddy - Mortgage Originator
NMLS# 132977
BCI Financial Mortgage Corporation
203-439-9400 Ext. 461

Gregg Luddy rejoins Constitution Mortgage/BCI Financial Mortgage as a Mortgage Loan Officer. He spent the previous 12 years as an Underwriter/Processor and brings extensive expertise and understanding of today's complex mortgage processes. He has access to a full menu of products of fixed, variable, FHA, 203K and CHFA mortgage products. Gregg works extensively with first time buyers and people looking to refinance their current mortgages.

Gregg grew up in Branford, CT and he has maintained relationships throughout the shoreline to this day. He currently resides in Cheshire.


Connecticut Lending CompanyMichael Savenelli Sr. – Business Development
BCI Financial Mortgage Corporation
203-439-9400 Ext. 435

Mike has been in the credit industry for over 30 years. He was Vice President of the Credit Bureau of Connecticut for 27 years with Marketing as one of his primary areas of responsibility. Mike has been extremely active in the credit industry, including extensive work with many of the trade organizations. Prior to the Credit Bureau, Mike worked for several financial institutions as a lender. Mike feels that “working with financial organizations to assist them in delivering high quality products like Reverse Mortgages is very satisfying.”

Mike lives in Wallingford with his wife Pam, and one of the things he loves most in life is spending time with his grandchildren.


Connecticut Loan ProcessorGail Carabetta – Mortgage Processor
BCI Financial Mortgage Corporation
203-439-9400 Ext. 436

Gail Carabetta comes to BCI with many years of experience in mortgage servicing at banks and mortgage companies. Gail works with customers, appraisers, lawyers and mortgage companies to assure the best possible outcome for every mortgage. Gail feels that “working with our customers is very exciting because getting a mortgage or Reverse Mortgage often changes lives. It always gives me great pleasure to have made a difference. It gives me great joy to work with and be a part of this great team.”

At home Gail loves to garden and, when not outside, she enjoys baking. She lives with her husband John and their dog Tabitha.


Connecticut Loan OfficerHelen LeComte – Mortgage Processor
BCI Financial Mortgage Corporation
203-439-9400 Ext. 446

Helen has worked in the mortgage banking industry for more than 20 years.  She began her career at CenterBank in post closing before moving on to mortgage processing at Wachovia and Bank of America, mortgage closings for MCA, and mortgage underwriting for PMI at CitiMortgage.

While having experience with larger lenders and national wholesale brokers, she prefers working with smaller companies and dealing personally with Connecticut homeowners: “A customer at BCI is treated like family.  We are small enough to work with you… but big enough to work for you.”


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