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With 25 years of experience in banking and financial services, James Carr brings extensive expertise in Commercial Lending, Credit Administration, and Residential Lending, supported by a B.A. from Arizona State University and a degree from the Pacific Coast Banking School. Having begun his career and raised his family in Prescott, he has built strong ties to the community through service with the Prescott Boys and Girls Club and the Prescott Valley Library Foundation. James focuses on partnering with local businesses to help them grow and strengthen the Prescott market, valuing clear communication, dependable relationships, and supporting each customer’s long‑term success.