Joe has been a Director of Real Estate for NBH for the past 3.5 years and has a long history in the Colorado banking community. Clients range from institutional to individual up and down the Front Range in a variety of product types. Joe has a particular affinity for construction lending, as “it’s fun to see new things get built”, but is happy to work in all areas. Prior to NBH, Joe worked 16 years for First National of Colorado where he ran their Boulder CRE team. Before that, Joe spent time working for Bank America’s construction lending team and prior to that a national syndication developer that specialized in renovating historic properties. Joe has a particular soft spot for Affordable Housing and is a past volunteer with Habitat for Humanity’s “Christmas in October” program. Currently Joe serves on the Board, and is a former Board President, of Thistle Community Housing one of the largest affordable housing provider in Boulder County. Joe originally hails from California and graduated with a Bachelor of Arts from UCLA.