Richard Garcia, Chief Growth Officer, North Jersey Federal Credit Union, is a banking executive with a diverse background in Commercial Lending, Financial Analysis, Business Lines of Credit, and Residential Lending. Rich specialized in small businesses, providing loans and cash management services to small and medium size companies. Over the years he has helped 1000's of small businesses with loan requests. He has managed business banking portfolios of approximately $30mm consisting of closely held business of sales between $2mm to $25mm. His focus is on relationship management, portfolio retention, and the opportunity to provide advisory services to business clients.