John has been in the financial services industry for over 30 years, and joined AmeriCU Credit Union in 2015. AmeriCU is located in Central New York State, and has used loan participations to complement organic commercial loan growth to a $375MM portfolio consisting of assets spread across CRE and C&I businesses. The department has 17 FTE, including underwriters, business development and reporting groups organized under a business leader. Although we have worked with brokers, the vast majority of transactions are direct with other Credit Unions. Participations can support geographic risk distribution, as well as mitigating concentration and other risks.