Jason Garcia, Credit Analyst, a Spring Bank Staff Feature
We’re a Bronx-based community bank in NY dedicated to helping our community and the greater New York City area thrive with affordable banking products. We couldn’t do this without the compassionate and talented people that make up our team. This month, we spotlight Credit Analyst, Jason Garcia, and his contributions to the commercial lending team.
Born and raised in Brooklyn, Jason graduated from Brooklyn College with a degree in finance. A long-time athlete, he launched his career as a middle school basketball coach, and highly valued the opportunity to witness his team grow and improve their game. The discipline and teamwork he taught them were transferable skills he brought to our lending team at Spring Bank when he joined us in October of 2021.
“I’ve always wanted to pursue banking as a long-term career, and the teamwork and leadership training I learned as a coach equipped me in commercial real estate lending,” Jason shares.
As a Credit Analyst, Jason works on underwriting loans as part of our small business lending services. He also improves the annual review process for regulatory requirements by institutions like the FDIC. Jason has learned many aspects of working on the lending team — from portfolio management to auditing and underwriting. He loves educating clients and wearing various hats.
“Being a part of a community bank requires performing in multiple roles so that the lending process runs smoothly, and our clients are well informed and confident in their loan,” says Jason.
For example, Jason guided Kings Co Imperial Chinese restaurant in Williamsburg in securing their first commercial real estate purchase. This is a significant win; a restaurant that owns property in New York City is an asset if the business encounters risk.
“The lending team at Spring Bank is highly committed to the long-term success of our clients. We customize each experience, and integrity and teamwork are always present.”
Jason is also pursuing an MBA at Baruch College. He’s adjusted to balancing his time between work, school, and leisure activities and looks forward to a spring 2024 graduation. He aspires to move into a managerial role and support the launch of our upcoming Brooklyn location.
The value of building a relationship with a small bank is that you will receive personal, one-on-one support. We will work to get a loan that meets your needs while being transparent about the information and the loan process. Our unique services are tailored to fit your financial goals and situation.
We’re grateful to have people like Jason on our team who bring compassion and ambition to our community. Our small business account clients receive an exceptional experience and build meaningful relationships thanks to our small business and commercial lending teams. Contact us if you want to expand your small business or open a small business account.
