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Meet Our Team

We are still accepting mortgage loan applications at this time.


Kirk Warner

Chief Lending Officer and Senior Vice President
NMLS ID: 1227173
410.568.6037 Office
410.336.5359 Cell

Kirk Warner, Chief Lending Officer and Senior Vice President of the Bank’s Loan Origination Division, has been part of the Eastern Savings Bank team since 1990. His wealth of mortgage lending (portfolio and saleable) and real estate (management and sales) experience is an asset to the Bank and clients served. Kirk is also an avid sports fan, particularly soccer, football and baseball.

Bill Monacelli

Vice President – Commercial Lending Division
410.568.6018 Office
410.336.6577 Cell

Bill Monacelli, Vice President of the Commercial Lending Division, has been with the Bank for over 32 years. As the Senior Commercial Loan Officer, he is responsible for developing new business relationships for the Bank, managing existing loan portfolios, and interacting with Bank personnel in various divisions to serve the needs of Bank customers. His hobbies include all things construction, ice hockey, and fishing.

Mike Barrett

Vice President
NMLS ID: 1132473
410.568.6169 Office
410.340.9133 Cell

Mike Barrett, Vice President of the Bank’s Loan Originations Division, joined Eastern Savings Bank in 1989. In his career at Eastern Savings Bank, Mike has managed or worked in many capacities, including Underwriter and REO manager. His experience and knowledge of the lending industry, coupled with his ability to make you feel like you’re his only customer, provide him the unique set of tools to manage your loan request. At his leisure, Mike enjoys golfing and fishing.

Kurt Klebrowski

Senior Loan Officer
NMLS ID: 1224011
410.568.6140 Office
410.350.6287 Cell

Kurt Klebrowski, Senior Loan Officer, joined the Eastern Savings Bank loan origination team in 1993. He has experience originating conforming, correspondent and portfolio (residential and commercial) loans as well as several years’ experience with portfolio underwriting. He helped develop and foster the “Officer/Teacher Next Door Program”, which provided a much-needed source of responsible, safe, and well secured lending to Baltimore City and neighboring counties of Maryland. In addition to exhibiting both a “positive attitude” and “can do” spirit everyday, building rapport and earning trust and respect from his clients are his top priorities.

Rebecca Papa

Senior Loan Officer
NMLS ID: 474231
410.568.6032 Office
410.963.4882 Cell

Rebecca Papa, Senior Loan Officer, joined Eastern Savings Bank in 1993. With over 20 years of lending experience, her knowledge of both residential and commercial lending is extensive. She has spent the majority of her lending career focused on the Mid-Atlantic region with a particular expertise in New York. She prides herself in developing meaningful relationships with her clients and is faithfully there for them from application, to closing, and beyond. 

Scott Freitag

Senior Loan Officer
NMLS ID: 1502168
410.568.6173 Office
410.218.5308 Cell

Scott Freitag, Senior Loan Officer, is a native of Maryland where he studied Finance and Economics at Towson University. Today, with over 25 years of diverse mortgage experience, his greatest pleasure remains bringing his clients together with the right resources and providing exceptional service. With his depth of experience and knowledge in conforming and non-conforming loan origination, he understands that there is no single approach to helping people achieve their goals. In his free time, Scott loves to hang out with his family and to take very long bike rides in excess of 80 miles on weekends with his friends.

Antoinette MilesAntoinette Miles

Loan Officer / Senior Lending Specialist
NMLS ID: 470249
410.568.6162 Office
443.462.9432 Cell

Antoinette Miles, Loan Officer, has over 14 years’ experience in the mortgage industry with an emphasis on developing and maintaining strong client relationships. She holds a B.S. in Nursing & Psychology from Villa Julie College, and has successfully applied her passion for helping others toward a fulfilling career in mortgage lending. It is extremely rewarding to see her customers achieve financial wellness by creating custom financial plans for each of their unique situations. In her spare time, Antoinette loves being with her family, boating, running, and lounging at the beach.

Join Our Team!

Join our growing network of approved brokers and achieve more closed loans. We make the approval process simple for you – Call any of our representatives to assist you in getting set up today.