Business Lending Team
Meet your Team
Our team is here to help you succeed, both personally and financially.
Cynthia Montoya
Business Services Specialist
With over a decade of experience in finance, Cynthia supports our lenders in processing, maintaining and servicing borrowers’ relationships with CRCU. She is passionate about helping our member businesses achieve their goals. She’s been with CRCU for five years, starting as a PFO before multiple promotions led her to the Business Services Department. Outside of work she’s an advocate for youth sports, and founded an organization that’s provided over 2,000 local kids a safe, empowering space for development both on and off the field.
Blake Richardson
Commercial Loan Officer
Blake has been in the banking industry for more than 15 years. He is primarily focused on helping business owners and real estate investors with their commercial real estate lending needs.
Blake is an active Rotarian, has worked with numerous chambers of commerce, and other local nonprofits. In his spare time, he enjoys hunting, fishing, and coaching his daughters little league sports teams.
Joseph Miller
Vice President Business Services
The leader of the Business Services Department, Joe has nearly 20 years of banking experience, with a background in C&I lending and Practice Financing as well as commercial real estate. His passion for building relationships and earning clients' trust makes him a valuable advisor in navigating financial opportunities. His focus is working with business owners to find a solution to their practice, real estate, line of credit or banking need. Originally from Wisconsin, Joe and his wife have embraced life in Texas and actively support the local community.