Ten years ago when Garza was interviewing for a job there, he said he wanted to be president.
"So I'm thinking president, and they told me you'll start in collections, part-time," he said of what actually served as a great foundation for where he wanted to be. "It was the best area to learn what makes a good or bad loan, how to work with members, and to get an understanding of what credit unions do."
He moved up the ranks to loan officer and prior to being named president served as vice president of marketing/collections for some six years.
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