Serving community lenders across the nation since 1992



Thomas Pinkowish is President of Community Lending Associates, LLC.

Tom has twenty-four years in lending with management positions in residential and consumer lending, secondary marketing, loan servicing, compliance, and operations. In addition to managing lending departments and staff, Tom's experience includes underwriting in over 31 states, integrating a mortgage bank into a community bank operation, redesigning loan origination and servicing department, and developing policies, procedures, and operations for residential, construction, income property, and secondary market lending.

Additionally, since 1992 Tom is Director of the Community Lending Institute for America's Community Bankers, a non-profit national trade association that represents over 1,500 community banks. As CLI's Director, Tom develops the overall lending and compliance education curriculum for the community bank industry.

Tom is a 1998 graduate of America's Community Bankers' National School of Banking and an honors graduate of the Connecticut School of Finance and Management. He serves on the Underwriting, Secondary marketing, and Affordable Housing committees of the Connecticut Mortgage Bankers Association.

Tom instructs at various ACB,ABA, and regulator education programs across the U.S. and recently conducted a fraud school for state examiners. He is co-author with Marshall Dennis of Residential Mortgage Lending, 5th edition, released in June, 2003.