Bringing Perspective to Business Banking

What is the key to business banking? For Chris Humphrey, Western New York Regional President at Community Bank, it comes down to investing in employees and finding the right partner.

We spoke with Chris to learn more about his approach in Buffalo and advice he has for businesses trying to meet the needs of their customers.

Q: What are some commercial banking trends you’re seeing in Buffalo?

A: There’s a lot of opportunity in Buffalo, especially in the technology space. We have a lot of younger companies in the region that will see growth in the next five years as we onshore more production. Plus, we’re doing a lot of commercial lending for apartment complexes, and there’s a direct correlation between the residential market and the commercial world. Combine that with our great higher education, great medical systems, and great schools, and it’s hard not to be excited for this city’s future.

Q: What advice do you have for commercial businesses looking to grow or rethink their finances?

A: Two things. First, invest in your employees—and I mean really focus on them. They’re going to make or break your business, so do right by them and they’ll do right by you. Second, make sure you connect with the right partner. I take pride in being there for my customers, and if they want my take on the economy or want to talk employee benefits—whatever it is, I’m available. It’s my duty and I’m proud to take it on.

Q: How important is customization in commercial banking?

A: It’s essential. You’ll go to some of the big banks for commercial lending needs and they’ll come back with two or so options. That’s it, take your pick. We don’t do that at Community Bank. Our customers have certain things we know are important to them and it’s up to us to find the right way to meet those needs. But we as a bank are in a sweet spot: small enough to be nimble when helping our customers and big enough to support the commercial loans they need. We’re flexible, which makes a huge difference.

Q: How do you work with customers to ensure their needs are met?

A: I’m a total nerd, and what I really love is the problem solving that happens behind the scenes. A lot of banking is problem solving, especially when it comes to lending. At the commercial level, the obstacles are bigger and typically more complicated, but that’s what gets me up in the morning. 

Perspective is a big part of it, as well. Our team does this kind of work every single day, but our customers might only get a commercial loan once or twice in their lives. So what’s easy for us may be daunting for them, which is why we’re there for them at every step. It even helps us better serve them in the long run since we’re clear on exactly what they need.

Q: What does an average day look like in your role at Community Bank?

A: I’m Western New York Regional President at Community Bank, which means there’s no such thing as an average day. But honestly, I like it that way—overseeing various lines of banking business across the region, knocking down barriers between our teams and subsidiaries. Each day presents a new challenge to overcome.

Looking for a banking partner? Get in touch today.