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Learn about the Leadership Team at New Jersey Infrastructure Bank, including our Executive Director, Assistant Director, C.O.O. - Transportation Program, and Chief Financial Officer.
During his tenure, David Zimmer has focused on broadening the reach of the I-Bank’s financing programs and bringing efficiencies to the I-Bank’s processes. He has introduced several new successful loan programs that include the short-term Construction Loan Program, the SAIL Disaster Relief Loan Program, and the NANO Loan Program, which provides heavily subsidized funding for the State’s smallest drinking water systems. He has overhauled the I-Bank’s credit policy to bring transparency and clarity to borrowers and investors and has improved the efficiency and effectiveness of the I-Bank by implementing a modern, web-based loan management system, enhancing internal controls, and requiring more thorough, compliance oversight.
David is a Chartered Financial Analyst and has over two decades of experience working on Wall Street specializing in structured finance debt instruments.
David holds a Master’s degree in Business Administration with a concentration in Finance from the University of Notre Dame and a Bachelor of Civil Engineering degree from the University of Dayton.
Frank Scangarella has served as the Chief Operating Officer of the New Jersey Infrastructure Bank since 2006. During his tenure, Frank has been involved with and introduced many important changes in the operations of the financing program including overseeing the development and implementation of the I-Bank’s disaster relief financing program, and the Program’s transition to online loan applications; restructuring the financing program to improve accessibility to note financing and flexible application deadlines; assisting with the design of the I-Bank’s early stage financing program and designing and implementing the NJ Transportation Bank.
Frank has extensive experience in legal and business operations matters including regulations, policies and procedures, risk management, legal counsel, procurement and contracts, and information technology;
Frank received a Juris Doctorate from the University of Vermont and a Master of Law degree from Vermont Law School. He earned a Bachelor of Science in Economics from Ramapo College and has been a member of the New Jersey State Bar since 1991.
Lauren Kaltman has served as the Chief Financial Officer of the I-Bank since June of 2012. During her tenure, Lauren has introduced several efficiencies to the I-Bank’s Accounting and Finance Department that have strengthened the budgeting and reporting processes, improved the billing and collection processes, and tightened the credit and investment policies.
In her previous positions working for Capital Holding Corporation as Director of New Initiatives and Institutional Marketing and for Citibank, N.A. in the bank’s Corporate Financial Analysis Department, Lauren gained experience in corporate reporting, investment operations, distressed loan management and strategic planning.
Lauren earned a Master’s degree in Business Administration with a concentration in Finance and Management of Organizations from Columbia University and a Bachelor of Arts degree in Mathematics from Duke University.
Judy Karp has served the I-Bank’s Legal and Compliance Officer since 2014. As the I-Bank’s LCO, Judy oversees the numerous Federal, State and regulatory compliance requirements that impact the I-Bank. In addition, she is responsible for compliance with disclosure requirements, monitoring legislative and regulatory changes, provides guidance on procurements and contracts and assists in the development and preparation of the I-Bank’s annual legislation.
Judy has previous experience in commercial litigation and served as confidential law clerk to Federal District Judge Michael A. Telesca in the Western District of New York.
Judy received a Juris Doctorate from Vanderbilt University and a Bachelor of Arts degree from Colgate University. She is a licensed attorney in the States of New Jersey and New York.