Julia joined HDF in 2022 as Director of Commercial Lending. She brought 15 years of experience in real estate, business development, commercial underwriting, portfolio management, credit risk, and finance. After graduating from Tallinn Technical University of Estonia in 2003 with a major in Business Administration, Julia started her career with GE’s Financial Management Program and was stationed in manufacturing businesses in the Netherlands, Germany, and the US.
Her next assignments were in real estate with GE Asset Management, followed by credit risk in Citizens Bank. Julia also held banking roles at Bankwell, United Bank, and People's United Bank. Throughout her career, Julia has been passionate about and committed to achieving long-term, sustainable results and driving business growth.