Joseph Antonacci Email & Phone Number

Central Valley, California

• Responsible for identifying, attracting and securing new depository, commercial loan, and treasury management relationships to grow Bank’s market share within the Central Valley (primarily Stanislaus and San Joaquin.
• Proactively identify opportunities to deepen new and existing client relationships through outside calling efforts coupled with cultivating strong partnerships with centers of influence in and around the community for.
• Manage an active client relationship portfolio with an emphasis on expanding existing relationships to increase Bank's share of wallet.
• Collaborate with prospects and existing clients to determine financial needs and formulate a relationship development plan that specifies ways in which products and services can meet their business or personal.
• Negotiate and structure primary terms of commercial purpose loans (for regional businesses, non-profits, real estate investors, farmers, and public entities). Properly circulate concept memo prior to issuance of term.
• Prepare and present loan proposals to the requisite approval authority levels; loan process is managed end-to-end.

Stockton, California

Was tasked to evaluate, authorize, and/or recommend approval of commercial credits for regional businesses, non-profits, real estate investors, farmers, and public entities within California’s Central Valley and East Bay Area. ~ Managed and facilitated loan processes from first contact to funding ~ Identified risk and mitigating factors related to.

Oakdale, California

Prepared loan commitment reports and credit approval documents for local and regional businesses, non-profits, and public entities throughout the Central Valley, across various industries.Performed credit underwriting of commercial real estate, term loans, working capital and lines of credit, secured by A/R and inventory, automobiles, and/or agricultural.

Walnut Creek, California

-Ultimately served for the mutual benefit of farmers and the community in addition to playing a role in the "from farm-to-fork" movement throughout the Bay Area.-Cultivated a strong rapport between local farmers and the communities they serve (bridging the gap to promote agricultural literacy from rural to urban areas)-Assisted in the on-site coordination.

Master Of Business Administration (Mba), Finance

Activities and Societies: Finance Club (Vice President Spring 2017)

Bachelor Of Arts (B.A.), Agricultural Studies, Agricultural Economics

Activities and Societies: Ag Ambassadors (ASI Representative 2014-2015)

Associate Of Science (A.S.), Crop Science

Activities and Societies: Young Farmers Club