Tino Munoz

Tino Munoz is an experienced finance professional with a strong background in commercial lending and portfolio management. Currently serving as a Portfolio Manager at American Riviera Bank since April 2020, Tino has held various key positions in the banking sector, including Commercial Loan Officer at both Bank of the Sierra and Pacific Western Bank, and Commercial Relationship Manager at Business First Bank. Tino's extensive experience includes underwriting and financial analysis of commercial real estate (CRE) and commercial and industrial (C&I) credits across multiple regions. Tino's career began at Santa Barbara Bank & Trust, where multiple roles were undertaken over a span of 12 years, including Loan Specialist and Compliance Officer. Tino holds an Associate of Arts degree in Liberal Arts and Sciences from Santa Barbara City College.