Our Staff

Experienced and knowledgeable professionals — here to serve you.

Connecticut Lending Staff Timothy Rourke - President & CEO
NMLS# 106051
BCI Financial Corporation
BCI Financial Mortgage Corporation
trourke@bcifinancial.com
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 and his two cats, Mercedes and Benz.

Connecticut Mortgage Specialist Kenneth Penfield – Mortgage Division Manager
NMLS# 106220
BCI Financial Mortgage Corporation
kpenfield@bcifinancial.com
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 Officer Kevin Luddy – Senior Loan Officer
NMLS# 78481
BCI Financial Mortgage Corporation
kluddy@bcifinancial.com
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 Officer Carol Montagna - Loan Administration Officer
BCI Financial Corporation
cmontagna@bcifinancial.com
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 Officer Michael Coleman - Consumer Loan Officer
BCI Financial Corporation
mcoleman@bcifinancial.com
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.”

Stephen Emory - Operations Manager

BCI Financial Corporation
Semory@bcifinancial.com
203-439-9400 Ext. 434

Stephen has been working in Banking for over 25 years. He began his career in banking at Ct National Bank.

Connecticut Loan Officer Betty Maguire
BCI Financial Corporation
emaguire@bcifinancial.com
Cell: 860-966-4285

Betty comes to us with over 25 years of experience in the automobile industry. She has worked in many aspects on the dealership side, including sales, sales management, and finance management. Her years of experience as a Finance Manager have given Betty a clear understanding of the needs of automobile dealers. “BCI and great customer service go hand in hand. Seeing the dealers regularly, I make sure to keep that great reputation going.”

Betty and her husband have a 21 year old son, Spencer, who is currently a student at Johnson and Wales School of Business in Providence. When not working, she can be found enjoying the beach.

Connecticut Loan Officer Susan Rubino, Loan Officer
NMLS# 78485
BCI Financial Mortgage Corporation
srubino@bcifinancial.com
203-439-9400 Ext. 431

Susan began her career in finance with Connecticut Savings Bank where she worked as a teller. She then went to work for Countrywide Mortgage as an Underwriter of Conventional Mortgages for American Mortgage Services as a Loan Officer, where she was assigned to six real estate offices.

Sue has been with BCI/Constitution for many years and works as a loan officer. On a day-to-day basis, she utilizes her computer skills as well as her financial background and her great personality to assist clients with their financial needs.

Connecticut Lending Company Michael Savenelli Sr. - Business Development
BCI Financial Mortgage Corporation
Msavenelli@bcifinancial.com
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 Processor Gail Carabetta - Mortgage Processor
BCI Financial Mortgage Corporation
gcarabetta@bcifinancial.com
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 Officer Helen LeComte – Mortgage Processor
BCI Financial Mortgage Corporation
hlecomte@bcifinancial.com
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.”