Both personally and professionally, Phil Goncalves has been involved in the financial fabric of Western Massachusetts for over two decades.  Presently, Phil serves as the Senior Vice President of Westfield Bank, helping identify growth opportunities for the institution and its customers. Beyond his commercial banking career, Phil is an Adjunct Business Professor, and active on several nonprofit Boards throughout the community including The Randall Boys & Girls Club/Ludlow Community Center, Junior Achievement, and the STCC Foundation Board.  We chat about the economy, the state of small business growth, and Downtown Springfield’s transformation.