J.R. Bruno & Associates
Executive Profiles
Joanna R. Bruno

Joanna Bruno is founder and president of J.R. Bruno & Associates. She is a long-time champion of small business development and is dedicated to providing financial institutions and their communities with ways they can work together for small business growth. Joanna Bruno has been appointed to the Advisory Board of a program under development by UCLA Extension to provide business owners and entrepreneurs with the know-how and tools to establish and run successful small businesses. The UCLA Anderson School is a collaborator on the program.

With more than 40 years of commercial lending experience – and known as a nationwide force in Small Business Administration lending – Joanna Bruno has a track record of helping business lenders establish and manage their SBA and business lending divisions to profitability. She leads an experienced JRB Team – each member a recognized specialist in their field – who have been with the company for a cumulative 50 years. J.R. Bruno & Associates has provided hundreds of financial institutions with services including total outsourcing; underwriting; loan policy and procedure development; loan processing; liquidations and portfolio management; efficiency reviews; credit union MBL program guidelines and eligibility; PLP application and expansion; staff training – and hands-on, day-to-day guidance.

Since founding J.R. Bruno & Associates in 1994 Joanna Bruno has helped generate more than $500 million in loan originations for over 1,000 businesses nationwide. Before forming J.R. Bruno, she held leadership positions at several Southern California financial institutions, winning multiple top producer awards. In 2010 she relocated JRB headquarters to San Francisco, Calif., and continues to serve financial institutions across the country.

Joanna Bruno is a founding member of the National Association of Government Guaranteed Lenders (NAGGL). In 2009 the organization honored her as NAGGL Leader in SBA Lending and NAGGL Exhibitor & Supporter of the Year. She also maintains memberships in a variety of financial trade organizations. As an Advocate for Economic Action, she continues to advocate for small businesses and women in business, working with legislators, regulatory agencies, bank and credit union trade associations and women’s organizations at the local, state and national levels. She is a frequent speaker at industry conferences.

Bradford S. Crosley

Brad Crosley is a Senior Associate with J.R. Bruno & Associates. With more than 30 years of commercial lending experience and expertise in virtually every aspect of commercial lending, he’s responsible for clients’ SBA staff training, loan application packaging and processing, lender preparation for PLP audits, quality control for internal auditing, third-party policies and procedures reviews, and workflow analysis.

Brad Crosley has produced profitable results for financial institutions across the country, leading the JRB Team in training more than 200 lenders on the principles of SBA lending. Under his direction, the Team has also reviewed the portfolios of more than 30 lenders to ensure compliance with SBA regulations.

Before joining J.R. Bruno, Brad Crosley served as Area Vice President/Senior Commercial Loan Officer for The Money Store Investment Corporation in Irvine, Calif. where he developed a commercial lending division with a strong focus on customer relations. The branch became No. 1 SBA lender in the district, the No. 1 volume branch in the company, and Branch of the Year. Brad Crosley was responsible for generating loans exceeding $312 million to more than 540 firms.

As Assistant Vice President/Branch Manager of Southwest Bank in Laguna Beach, Calif. he was responsible for decreasing loan losses by 75%. He also reduced annual staff turnover from 144% to 20%, earning the Avis Award for "Most Improved Branch." Brad Crosley has also served as an intermediary for the Los Angeles Community Development Bank and as an intermediary for the Small Business Administration's (SBA) Pre-Qualification Program. Active in many SBA-sponsored programs, he most recently served on the SBA's Orange County District Office Small Business Week Committee. In addition, he’s received extensive CEDLI, CDFI, COIN, and B&I lending training, and has served as a judge for California State University at Fullerton's Entrepreneur Institute.