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Joe Carbonaro has a diverse work experience in the banking industry. Joe started their career at SAFE-BIDCO in 2001 as a Senior Loan Officer and worked there until 2006. From 2006 to 2012, Joe worked at Circle Bank as a VP, Sr. Commercial Loan Underwriter. In 2012, they joined Exchange Bank as a Vice President / Business Banking Officer and later became the VP / Credit Risk Officer.

Joe Carbonaro has a Bachelor's degree in Economics from the University of California, Davis.