University of California, Berkeley — BA Economics
Jonathan completed his undergraduate Bachelor of Arts in Economics at the University of California, Berkeley — an institution that has produced generations of California economic leaders. The UC Berkeley Economics program grounds students in microeconomic theory, macroeconomic dynamics, monetary policy, and financial intermediation. The program also pushed Jonathan toward the applied research and quantitative methods that underpin careful business banking analysis — evaluating credit files, structuring treasury services, and modeling cash flow scenarios for California business customers. The Berkeley Economics foundation shaped the analytical rigor Jonathan brings to every Tri Counties Bank editorial piece on business banking, SBA lending, and cash management.
Haas School of Business — MBA
Jonathan earned his Master of Business Administration from the Haas School of Business at UC Berkeley. Haas combines academic depth with its Defining Principles — Question the Status Quo, Confidence Without Attitude, Students Always, and Beyond Yourself — principles that shape how Jonathan approaches business banking work. The MBA curriculum covered corporate finance, strategic management, operations, banking regulation, and entrepreneurship. Coursework and case studies at Haas connected banking theory to the real California economy — startup capital structures, middle-market M&A financing, commercial real estate underwriting, and California regulatory frameworks administered by the DFPI and the OCC.
Certified Treasury Professional (CTP)
The Certified Treasury Professional (CTP) designation, awarded by the Association for Financial Professionals, is the industry standard credential for corporate treasury, cash management, and working capital finance. Jonathan earned the CTP after years of treasury work and passing the rigorous CTP examination covering payments (wires, ACH, SWIFT, card networks), liquidity management, cash flow forecasting, fraud prevention, banking relationships, risk management, and global treasury operations. The CTP credential informs Jonathan's perspective on wire transfers, ACH payments, positive pay configuration, and the integrated treasury architecture Trico Business Express delivers to California businesses.
21 Years of California Community Banking
Jonathan's 21-year banking career has concentrated on California community banks serving Northern and Central California markets. His work has spanned business checking structuring, commercial lending relationship management, treasury services design, SBA 7(a) and 504 loan packaging, commercial real estate underwriting, fraud operations, and digital banking platform rollout. Jonathan has worked with clients across the sectors that anchor California's regional economy — agricultural producers in the Sacramento and Central Valleys, hospitality operators in Napa and Sonoma, manufacturers in Chico and Redding, healthcare networks throughout Northern California, and professional services firms in the Bay Area periphery. This direct operational experience gives every editorial piece Jonathan writes for Tri Counties Bank the grounding of real California business banking — not theory from a textbook. SBA and FDIC frameworks shape his writing.
