Profile

In Joe’s capacity as a Senior Relationship Manager, his responsibilities include leading a team of specialists focused on understanding each client’s unique needs to deliver strategic financial guidance and solutions. Joe’s mission is to help local companies thrive by achieving their business goals, no matter how simple or how complex.

Bringing 20 years of banking experience, Joe has served mid-sized companies throughout the Northern California area to support their commercial banking needs.  Joe has a broad spectrum of experience across multiple industries including: Manufacturing, Engineering, Food and Beverage, Legal and Financial Services, Transportation, Biotech, Technology, Consulting and Non-Profit.  Many of Joe's clients have an international presence requiring Import-Export and Trade Finance partnerships as well as Foreign Currency expertise. He is also an experienced business lender and regularly assists clients and brokers with Commercial Real Estate Lending, SBA Lending, Equipment Lending, Business Lines of Credit, Standby Letters of Credit and Refinancing of Existing Business Debt.

To help create a more sustainable future for the companies and communities he serves, Joe volunteers with several not-for-profit organizations focused on ending hunger and homelessness. He also serves as a mentor for teammates across Bank of America and Merrill Lynch as a member of the Hispanic/Latino Organization for Leadership and Advancement. Originally from Southern California, Joe now resides in Marin County.