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Josef Garcia is currently the Vice President of Commercial Lending at UBank since May 2022. Prior to this, Josef held the same position at First United Bank from January 2019 to May 2022. Before that, Josef worked at Texas Republic Bank as a Banking Officer/Relationship Manager and Credit Analyst. Josef also served as an Infantryman in the Israel Defense Forces from March 2015 to November 2016. Josef holds a Bachelor of Arts in Economics from Texas A&M University, where Josef studied from 2010 to 2014.