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Carlos Chavez, MBA, has extensive experience in commercial lending and relationship management, currently serving in Commercial Relationship Lending at Raiz Federal Credit Union since January 2024. Previously, Carlos held the position of Vice President of Commercial Lending at City Bank, where a portfolio was expanded from $9MM to $39MM, and deposit relationships increased from $6MM to $18MM. Other notable roles include Principal Business Relationship Manager at Wells Fargo, First Vice President at United Bank of El Paso del Norte, Commercial Loan Officer-Vice President at First Savings Bank, and Business Banker at JPMorgan Chase. Throughout the career, Carlos has consistently surpassed key performance indicators, built successful client relationships, and contributed to substantial portfolio growth across multiple financial institutions. Carlos holds an MBA in Business Administration and a Graduate Certificate of Accountancy from The University of Texas at El Paso.