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Ruben J. Cardona has a strong background in banking and finance, with experience in business development, loan origination, and relationship management. Ruben J. has worked with various banks in roles such as Vice President, Loan Officer, and Private Mortgage Banker. Ruben is skilled in originating SBA loans, developing referral networks, and establishing deposit account relationships. Ruben J. holds a degree in Finance from Texas State University and a Certificate of Completion from the Texas Bankers Association.