Ricardo Balcells is a highly experienced and customer-focused banking professional with 34 years of experience. Balcells has a solid background in retail management, private banking, and commercial lending. He has built his career on referrals by creating exceptional customer-focused sales culture in small to mid-size community banks. Balcells is passionate about retaining and growing customers through community involvement, highly influential centers of influence, for-profit & nonprofit board service, and long-term relationship building. Balcells's expertise also includes portfolio and development management in CRE/C&I, commercial investment properties, SBA, Gov Con. He has experience as a member of senior leadership teams, assisting with acquisitions, policy changes, and implementation of new policies and procedures for new product development as well as industry changes. Balcells targets seeking long-term opportunity with a community credit union in commercial lending or retail management, leveraging his proficiency building customer base through private, nonprofit and government sectors, and helping others succeed personally and professionally. His professional experience includes organizations such as Dominion Hospital at HCA, Capital One, PNC, Alliance Bank, MIllenium Bank, Leadership Fairfax, Northern Virginia Community Hospital, Rotary Club of McLean, and Virginia Commerce Bank.