JOANNA R. BRUNO Joanna R. Bruno has more than 35 years of lending experience; she promotes the creation of private-public partnerships that stimulate business expansion and job creation. She founded J. R. Bruno & Associates in 1995 and now helps lenders take advantage of small business lending opportunities by providing hands-on technical, business development, underwriting, loan processing, training, and sales and marketing programs. Joanna is often asked to speak at NAFCU, CUNA, and CUES Conferences, and at Credit Union Leagues.

BRAD CROSLEY Brad Crosley has worked with lenders for more than 30 years. He has extensive SBA and commercial lending management, new business development, SBA staff training, loan application packaging and processing, and customer service expertise. His expertise encompasses virtually every aspect of commercial lending.

RYAN COUGHLIN Ryan Coughlin, formally schooled in finance and economics, has spent over 5 years in commercial banking with specialties in SBA (7a and 504 Loans) and Commercial Real Estate Lending. Along with his banking experience, Ryan works as a professional writer. Currently, he writes financial articles, training modules for the Army Medical Department, as well as creative pieces in multiple forms of media.

JAY HINTON Jay Hinton has worked with small businesses and entrepreneurs for more than 7 years. Originally in the Equities markets and an entrepreneurial consultant, Jay brings marketing expertise and analytics solutions.

REBECCA MENDOZA Rebecca Mendoza, with over 13 years of experience, has a robust understanding of commercial lending. Her expertise falls into SBA and Construction Lending. Skills include; loan documentation, processing and packaging, loan closing and funding, SBA staff training, procedure development, as well as overall loan operations. Administering the growth of SBA departments in both Northern and Southern California has instilled a completely rounded set of skills and contacts inside small business lending.

Alicia Moselle Alicia Moselle has ten years of experience in small business lending with expertise in SBA finance. She has held various positions with community lenders and banks, including loan processor, business development officer and lending officer. Her experience and knowledge give her the skills to address a variety of needs for the clients of J.R. Bruno & Associates.

LINDA OFFICER Linda Officer has more than 25 years of administrative experience. She provides lenders with systems expertise, database management, direct mail programs, web site management, and general computer support.

STACI SHEEHAN Staci Sheehan has more than 10 years of banking experience with an emphasis on SBA Loan procedures and management. Her expertise includes; full underwriting & financial analysis, loan package development and processing, facilitation of customer-lender communication, along with secondary market loan sales and SBA Liquidation. Staci's extensive knowledge provides efficiency throughout the life of your loan - whether you're a business or a lender.

TOOT UCHIDA Toot Uchida is a registered principal with NPB Financial Services, LLP, tootuchida@roadrunner.com and is active in providing individuals and business owners financial advisory services. He is duly licensed and has over 30 years experience providing comprehensive investment, financial, and estate planning services.