Bay State Savings Bank Appoints Joyce B. Shand Vice President – Credit Administration Officer June 29, 2020 Bay State Savings Bank is proud to announce Joyce B. Shand has been appointed Vice President – Credit Administration Officer at the Bank’s 28 Franklin Street location in Worcester, MA. In this role, Mrs. Shand oversees underwriting and credit risk management functions of the Bank’s commercial loan portfolio in support of lending activities. Mrs. Shand bears over 25 years of banking experience. Previously, she served as Vice President at Cobblestone Management in Brockton, Senior Credit Risk Analyst at Commerce Bank & Trust Company in Worcester, Vice President of Financial Business Training at Marine Midland Bank in New York, NY, Credit Department Manager at Freedom National Bank in New York, NY, and Credit Risk Management Specialist at the Department of Treasury’s Office of the Comptroller of the Currency in New York, NY. She also holds an A.B. in Ethics and Political Philosophy from Brown University. Currently, Mrs. Shand is involved in various community outreach and youth programs at Worcester Seventh-Day Adventist Church. Previously, she has served on the Board of the Multicultural Wellness Center in Worcester, MA and the New Dawn Integrated Behavioral Health Center in Leominster, MA. Mrs. Shand resides in Worcester, MA with her husband Devon and her two daughters, Ashley and Elena.