Justin has more than 16 years of commercial lending experience working in both credit unions and community banks. Justin’s background includes all facets of commercial lending. Justin began his career with University Federal Credit Union in Austin, TX, helping to grow their commercial lending program and eventually managing the business lending department. Most recently Justin served as Chief Credit Officer for a community bank, overseeing commercial, mortgage, and consumer lending. Justin underwrites and performs credit analysis on all types of commercial loans and consults with credit unions on loan structure, pricing, and other aspects of lending and portfolio management.