Joyce Young

Joyce Young has a diverse work experience in the banking and real estate industries. Joyce started their career as a Credit Analyst at Security Pacific National Bank, where they analyzed financial statements and cash flows. Joyce then worked at CommerceBank as a VP of Commercial Lending, managing a $29 million loan portfolio during an economic downturn. After that, they served as an AVP of Commercial and Consumer Lending at Columbia Bank, where they developed a business plan, managed a loan portfolio, and fostered client relationships. At Valley Bank, they joined during its organizational phase and played a key role in establishing and operating a loan production center. Joyce also served as a Real Estate Broker at John L. Scott Real Estate before transitioning back to the banking industry. At People's United Equipment Finance Corp., they worked as a Commercial Credit Analyst before moving to Pacific Mercantile Bank, where they held the position of VP of Commercial Portfolio Manager. Joyce then worked at Plaza Bank and Pacific Premier Bank as a VP and 1st VP, respectively, in credit management roles. Overall, Joyce Young has a strong background in credit analysis, commercial lending, and portfolio management.

Joyce Young completed their B.A in Business Administration with a concentration in Finance at CSUF from 1987 to 1989. Later, from 1996 to 1998, they attended the Pacific Coast Banking School, a graduate-level banking school that focused on risk management, financial performance, and leadership. Additionally, Joyce completed the Commercial Lending Training Program at Security Pacific National Bank in 1990-1991. Prior to their higher education, they attended Pius X High School, but no specific degree or field of study is mentioned.