When you apply for a loan, the most important question being answered through the application is “are you credit worthy?” In other words, how WILLING and ABLE are you to pay back your loan.
The 5Cs are a way to determine your credit worthiness and whether you are ready for a loan. At UTB, we use the 5Cs to determine if a loan will help you start, grow or stabilize your business.

Isaac Elizondo has worked in the banking and financial services industry for over 18 years and has won several awards in retail banking for his goal setting achievements. Prior to his banking career he worked in the commercial real estate industry mostly in land acquisitions, office leasing and development. Isaac was also a small business owner for a short time in the insurance and financial advising field and later selling his company and joining one of the largest Community Development Financial Institutions in the United States as a Regional Director. He is now working with United Texas Bank promoting CRA loans, helping women, minority and low to moderate income areas seek financing through the United Texas Bank loan programs.

When you apply for a loan, the most important question being answered through the application is “are you credit worthy?” In other words, how WILLING and ABLE are you to pay back your loan.
The 5Cs are a way to determine your credit worthiness and whether you are ready for a loan. At UTB, we use the 5Cs to determine if a loan will help you start, grow or stabilize your business.

Isaac Elizondo has worked in the banking and financial services industry for over 18 years and has won several awards in retail banking for his goal setting achievements. Prior to his banking career he worked in the commercial real estate industry mostly in land acquisitions, office leasing and development. Isaac was also a small business owner for a short time in the insurance and financial advising field and later selling his company and joining one of the largest Community Development Financial Institutions in the United States as a Regional Director. He is now working with United Texas Bank promoting CRA loans, helping women, minority and low to moderate income areas seek financing through the United Texas Bank loan programs.

WHY NOT YOU, WHY NOT ME, It is about how things can be done and how you can achieve your goals, even if you are not from this county and your first language and legal status does not matter. Everything is in your mind.

You'd be surprise just how mindful we need to be about our brain health! Erika Amaya CEO of Eri Fit and Food will present in this webinar series the significance of brain health for entrepreneurs and common issues like brain fog, fatigue, and cognitive decline. Sign up to learn how you can be at your 100% for your business with the help of this webinar.

Erika Amaya CEO of Eri Fit and Food comes back to present on why nutrition and hydration are vital to your personal and professional success! Topics include the importance of a balanced diet rich in whole foods, hydration tips for maintaining energy levels throughout the day and specific foods that enhance brain function and productivity. This one webinar series will be an insightful for anyone!

This session provides an in-depth look at www.census.gov, covering topics, subtopics, surveys, and terms.

Learn about the range of data tools the Census Bureau makes available and their features on the census.gov site. You will learn which data and geographies they can access and extract from the various tools.

This workshop is designed for data users at any level of expertise using data.census.gov. This session will include an overview of census geography terms, tables, and concepts. Discuss the differences between data sources such as the 2020 Census and the American Community Survey.