SJBiz_TDBank_Profile_5_19_Profile 5 / 17 / 19 3 : 08 PM Page 1 Promotion profile both feet and did its homework on his indus - try , extensively poring over the numbers and projections before making a commitment to Northeast Precast . “ John was very forthcoming and coopera - tive , which really helps , ” Carlisle says . “ He got us all the information we needed in a timely manner and he invited all of us to come down on multiple occasions to see the project from its beginning stages . While there was a lot of due diligence required as we created a financ - ing deal for them — from the numbers to poten - tial risks — John provided a very clear picture . “ We continue to have an open dialogue with him on a weekly basis and we continue to go down and tour the facility and help with any needs they might have along the way . ” With all of its customers , whether it’s a large BUILDING BONDS corporate account or a small business , TD Bank takes a team approach throughout the process . It is common for Carlisle , Gibala and South Jer - sey Market President Rob Curley to all be pres - THAT LAST ent in person for an initial meeting , and they are always available to address concerns . With a team approach and a focus on That openness leads to a fruitful partnership . relationships , TD Bank helps its commercial “ John trusted us completely and listened to us , ” Gibala says . “ He told us all of his goals By Matt Cosentino clients achieve their goals . and visions , and I think we were successful in helping him accomplish them . We brought a plate and we’re very thankful for that . ” hen John Ruga talks about team from TD Bank representing lending , risk Ruga’s relationship with TD actually start - the tremendous growth his and underwriting to our meetings with him . ed about three years before the current proj - company , Northeast Pre - John appreciated that when we said we were ect , when he first met with Greg Carlisle , the cast , has experienced in going to come through on something , we were Southern New Jersey regional vice presi - thelast decade , it is hard for W actually able to execute it . The decision - mak - dent , and Kevin Gibala , vice president and him to contain his excitement . ers were sitting with us at the meetings , which commercial relationship manager for Glouces - Since its founding in the early 2000s , the made things a lot easier and streamlined . ” ter , Cumberland and Salem counties . precast concrete manufacturer has evolved Ruga believes this is only the beginning , and from a purely residential firm into one with a envisions many more years of working closely major impact on the commercial market , with the TD Bank team . working on schools , warehouses , parking “ We feel very strong with TD and it’s only garages and more . gotten stronger as we’ve been together , ” he “ Things are going extremely well , ” Ruga says . “ I was looking for a bank that understood says . “ It has certainly taken a lot of effort , but us and where we could have a true relationship . we’ve built a company with a strong reputation . ” We’re grateful for what we’ve found there . ” As Northeast Precast has continued to ex - In a strong economy with numerous proj - pand its reach and add employees , it needed ects getting underway throughout South Jer - to partner with a financial institution that sey , TD Bank can offer customized solutions to shared its grand vision for the future . It found fit its customers ’ needs . But building lasting con - one in TD Bank . nections like the one with Ruga will always be Ruga’s company recently purchased a 250 - the top priority . Although Ruga did not have any banking acre site in Vineland and began construction on “ Even though we’re a financial institution needsinitially , they developed a bond over time . its massive new headquarters thanks to a sig - that provides products , we pride ourselves “ John has incredible integrity and charac - nificant commercial loan from TD Bank . on being customer service - oriented , ” Carlisle ter and everybody knows that in the commu - “ We needed to expand but we were run - says . “ We take time to get to know each cus - nity , ” Gibala says . “ He’s someone that TD ning into some road blocks , ” he says . “ I think tomer and offer solutions and advice that wanted to align with . ” there’s a tendency to get complacent , and we work for their needs . Our philosophy is to al - “ The culture he creates as an employer — move pretty quickly when we make a decision ways keep the clients ’ best interests front and which includes giving back to his employees , to do something . Our old bank was a little re - w center . ” creating a positive work environment , promot - sistant and wasn’t comfortable with helping fund ing from within and creating a very nice work - the expansion we needed . life balance for his employees — is very similar “ That’s when TD stepped in . They spent a to the culture at TD Bank , ” Carlisle adds . lot of time to truly understand what we were do - When the opportunity arose to work hand ing , and once they understood it they were Call or connect . in hand , TD Bank was eager to take it . Ruga was ready to move . They backed up their words ; it impressed at how the TD team jumped in with wasn’t just empty talk . They stepped up to the 1 - 856 - 232 - 9111 | www.tdbank.com SouthJerseyBiz.net | VOLUME 9 ISSUE 5 | SOUTH JERSEY BIZ | 11