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Ryan L. has extensive experience in the banking industry, with a strong focus on credit risk management and loan portfolio management. Ryan has held various positions, including Vice President Senior Credit Risk Manager at Community West Bank, where they developed loan reserve methodology and assessed portfolio risk. Prior to that, they worked as a Vice President Relationship Manager and Vice President Portfolio Manager at Pacific Premier Bank, responsible for managing a diverse loan portfolio and conducting financial analysis and underwriting. Ryan also served as a Vice President Asset Based Lending Relationship Manager at Tech Capital, LLC, where they maintained relationships with asset-based borrowers and conducted credit analysis. Additionally, they have experience as a Commercial Loan Officer at Technology Credit Union and held roles at the ASUC Student Legal Clinic, American Riviera Bank, Montecito Bank & Trust, and Santa Barbara Bank & Trust. Overall, Ryan's work experience showcases their expertise in credit risk management, loan portfolio management, financial analysis, and underwriting.

Ryan L. began their education at Santa Barbara City College in 2011, where they studied Political Science and Government. Ryan attended this institution until 2015 when they transferred to the University of California, Berkeley. At UC Berkeley, Ryan completed their Bachelor of Arts degree in Political Science in 2017. Following their undergraduate studies, Ryan obtained several certifications related to tax preparation and ethics from the Internal Revenue Service in January 2015. In 2018, they acquired a Data Analytics certification from eCornell. Later in 2023, Ryan returned to UC Berkeley to pursue a Data Analytics Certificate in the field of Data Science.