James H. Francis serves as an executive vice president at Union Bank, N.A., and head of its Consumer Lending division. Appointed to this position in 2009, Francis oversees consumer lending products for Retail Banking and is responsible for the banks $24 billion consumer and residential loan portfolio. Francis has more than 25 years of banking experience and a comprehensive knowledge of debt and equity transactions, tax credit investments, underwriting, residential mortgage, and commercial and consumer lending. He joined Union Bank in 1986 and co-founded its Community Development Finance division in 1995, overseeing the divisions expansion across the West Coast and the origination of more than $3 billion in debt and equity financing for the development of affordable housing.Francis has spoken extensively on the subject of affordable housing at conferences hosted by Housing California, the Southern California Association of Non-Profit Housing Developers, the Non-Profit Housing Association of Northern California and others.Well known for his community involvement and leadership in the housing industry, Francis has served as a board member of the California Community Reinvestment Corporation and as a president and board member of the Affordable Housing Investors Council, an organization comprised of the nations largest Low Income Housing Tax Credit investors. He also serves on the board of Union Bank Foundation.Francis received his B.A. in economics from the University of California at Davis.
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