Andrew Mattingly

Andrew Mattingly, an Astoria native, has worked his way up to being a business lender at regional lender Craft3.

Andrew Mattingly of Astoria started with regional lender Craft3, then Enterprise Cascadia, in an operations and administrative assistance position in 2010. Mattingly has since grown within the company to become a business lender helping finance community projects.

He lives in Astoria with his wife, Chelsea, a Warrenton native and educational assistant studying to be a teacher, and their children Jack, 8, and Noelle, 6.

Tell us about your background.

“I was born and raised in Astoria and have basically been here the entire time from when my wife and I got married. We did the Portland thing for a couple years, then decided to move back… maybe 2009, 2010.

“I did two years at Clatsop and then went to Portland Community College for a couple years when we moved to Portland. We moved to Portland literally the day after we got married, after having lived in our parents’ houses until the day we got married.

“Maybe five or six months after we got married, and after we moved, my mom passed away. And trying to be in school and be a newlywed and be in Portland for the first time, it was just a little overwhelming.

“I stopped attending college … and haven’t gone back since. So whenever there’s a census, I get to answer ‘some college.’”

How’d you end up at Craft3?

“When we moved back to Astoria, I didn’t have a job lined up. And so after a little while, I got a seasonal thing, like most (jobs) are, at H&R Block, kind of doing their front desk work. But then after tax season ended, I was able to get hired at Craft3.

“I was actually reading the Coast River Business Journal, and there was an article about Craft3. At that time … it was Enterprise Cascadia. And there was an article about Enterprise Cascadia helping Bridgewater Bistro at the time. And I looked at that and saw, ‘Hey; this is a business. It’s lending, but it’s very, very community focused.’”

Tell us about your focus at Craft3.

“I’ve had a really good opportunity to be in a number of roles at Craft3 all across the commercial lending department. And so I’ve had lots of different views of how things work, all the way from loan inception to loan closing and loan payoff.

“The main difference (with a commercial bank) I think is probably the flexibility we might have. There’s going to be some ‘bankerly’ things that we do. We still do an underwrite. We still look at credit scores. We still look at revenues. One of the main differences is that we’re open to startups. Not many banks are able to provide assistance to startups. Craft3 certainly can. If a business has maybe a subpar credit score, or they’re a business acquisition, we’re able to help with that.

“Craft3 really looks at the impacts of a loan, and not necessarily just the bottom line on what it’s going to do in our portfolio. If something is going to have a really amplified impact in the community that it’s in — if it’s going to build family resilience, if it’s going to build ecological resilience, if it’s going to build economic resilience in a community or for a family or anything like that — we certainly have greater flexibility.”

How does it feel being a local able to learn from experience, rather than academia, and help out others in your community?

“It sounds trite, but I feel pretty blessed, pretty lucky to have been able to been given the opportunity to do that. It’s been pretty fantastic to have a company that trusts me, that trusts its employees, to give them a shot.

“Craft3 has a VTO — volunteer time off. We each get three paid days of volunteer time off, and we use them. We definitely do. It’s things like that, finding people who have a passion for the community. And I think that’s part of my success. I’m a member of various boards in town. You see me downtown. It’s my community. I’ve grown up here, and it’s really exciting to be in a position like this, where I can effect change in a community that means so much to me.

“I was able to assist a loan for Video Horizons with their move to the new location on Duane (Street). I was really pumped to do that loan, because I’ve been going there for years. I still remember when we’d go get videos with my parents.”

Tell us about your hobby as a local craft beer influencer through the Instagram profile, “astoriabeerguy.”

“I just got a good phone one day and took a picture of a beer on my Instagram and was like, ‘Why not; let’s start an Instagram page.’ It’s not nearly as active as it used to be. I’ve slowed down. Beer can sometimes be an expensive hobby. But it’s actually been a lot of fun. I’ve actually made quite a few friends from that.

“It’s cool to have a hobby that, again, Craft3 kind of touches on. We have Fort George (Brewery). We’ve got a few other beer companies in the portfolio. So it’s kind of neat to be able to take a picture of a beer and know that, ‘Hey; Craft3 is the reason this is possible and I’m able to get that.’”

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