James Carr

James is a banking professional with 20+ years in credit and risk management. He graduated from Arizona State University in 1997 and completed the Pacific Coast Banking School program in 2009. Over the years, James worked with PRGX who specializes in procure-to-pay auditing services and two community banks, where he gained hands-on experience in credit, lending, and leadership. Most recently, he served as Chief Credit Officer, leading credit strategy and helping manage diverse loan portfolios. After the bank he worked for was sold, he joined Credit Management Services, where he continues to apply his credit expertise and passion for supporting sound lending practices. James is passionate about community banking and enjoys helping institutions make smart, balanced decisions that support growth while managing risk.