Richard Cabrera is an Executive Vice President at Umpqua Bank and the Head of Commercial Banking for Arizona, California, Colorado, Idaho Nevada, Oregon, Utah and Washington. He has been with Umpqua since 2016 and leads the bank’s asset-based lending division, debt capital markets, and corporate banking operations. Under his leadership, the bank has expanded and growth the Commercial Banking division. Prior to his time at Umpqua, Cabrera worked for California Bank and Bank of America in a variety of leadership roles. A fourth-generation Californian with a lifelong affinity for numbers, Cabrera is dedicated to serving the vibrant business communities within California and Umpqua’s broader footprint. He is a graduate of San Diego State University. Cabrera and his wife, Karen, reside in Southern California. They have three adult children and two grandchildren. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com.