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  Elizabeth Financial Center Closing
Our Elizabeth Financial Center will be closed Saturday, April 13th, Monday, April 15th and Tuesday, April 16th due to Financial Center repairs. This location will reopen on Wednesday, April 17th. Read More

For your convenience, please visit one of the following full-service locations during this time:

Union Financial Center
1350 Galloping Hill Rd.
Union, NJ 07083

Cranford Financial Center
213 South Avenue
Cranford, NJ 07016

Account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. We apologize for the inconvenience.

Executive Team

Sam Naik
SVP, Director of Portfolio Management

Employed By Spencer Savings Bank Since: 2022
Employed In Industry Since: 2000

Outline of Responsibilities / Areas of Expertise / Memberships
Manages and directs the Portfolio Management activities of the bank’s Commercial Real Estate and Commercial and Industrial departments.

Responsible for the overall monitoring of the bank’s lending portfolio and strategically aligning project portfolios with business objectives.

Over 20 years of experienced financial leadership.

Areas of expertise include Middle Market Lending, Loan Workout, Commercial Lending and Small Business Lending.