Josh was born and raised in El Paso, Texas where he obtained his Bachelor’s Degree in Business Administration with a major in Finance from the University of Texas El Paso. His first post graduate work was in Albuquerque, NM, where he obtained licenses in both the Insurance business and the Securities professions. Before entering the banking industry, Josh worked his way up to be the Assistant Vice President of Planning Services for the Charles Stephen and Company, Inc., of Albuquerque. Then he went to work for the Wells Fargo Bank to garner banking skills and his banker’s license.
At Wells Fargo Josh gained broad experience with many banking skills, including cash management, credit analysis and risk management. He also became more proficient in securities trading, debt and equity financing, economic, financial, and technical indicator analyses. Additionally, he helped develop and implement financial plans for businesses using his knowledge of taxes, accounting, budgeting, economics, investment strategies, insurance, retirement plans, and real estate. The Wells Fargo responsibilities helped him gain leadership and management skills as he trained and helped support less experienced staff members.
When Josh moved over to the First Saving Bank he soon gained new experiences in the diverse skills required of banking executives. At First Savings he worked in almost all the service areas involved and helped develop and maintain prospective commercial lending packages for private clientele, including financial restructuring, refinancing, equipment financing, business acquisition, Small Business Administration assistance, and real estate. He was able to further hone his skills and expertise by helping develop marketing plans through use of various modern technical media. At First Savings Josh successfully created and implemented marketing strategies and gained more background as a branch manager, and as a business development and commercial lending officer, where he supervised and managed branch staff in a team oriented environment. His achievements with First Savings in El Paso led to his latest promotion to be President of the First Savings Bank of Deming, New Mexico. This newest Board member of the FASF clearly brings some much needed new financial and planning and team leadership skills to our growing organization’s expanding responsibilities and new challenges.