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Joel Rivera

FIND A BUSINESS BANKER

Joel Rivera

Small Business Connect Relationship Banker

NMLS 2326943

About Joel

Languages: Spanish

As a Small Business Connect Relationship Banker, I work closely with small business owners to help them plan for sustainable growth and achieve their vision for success. I take time to understand each client's needs so I can recommend tailored solutions for lending, cash flow optimization, payment solutions and more.

I've worked in the financial services industry since 2018 and I am known for being passionate about helping small business owners navigate financial opportunities and challenges with confidence My clients know me for being responsive, dependable, and committed to understanding their unique goals so I can provide tailored solutions that support long-term growth and success

My goal is to be a trusted partner and advisor—delivering insights, strategic guidance and results that drive long-term growth.

I live in Phoenix, Arizona and in my free time, I enjoy spending quality time with my family and making lasting memories together as a proud father of two. Outside of work, you'll often find me staying active through fitness and hiking, watching movies, exploring new restaurants as a self-proclaimed foodie, or taking road trips to discover new places and experiences.

I can help you:

Let's make it easy to manage deposits, invoices, bills and accounts payable/receivable. I can help you implement digital tools and solutions for maintaining healthy cash flow.

I can work with you to find flexible lending options that support your working capital, inventory, expansion or other business needs.

Deposit, save and manage your money with confidence. I can help you choose a business bank account aligned with your goals and the way your business runs.

I can recommend business credit cards that help you manage spending, build credit, and earn rewards tailored to your spending habits.

Together, we can identify which merchant services are necessary for your business and select a Payment Solutions plan that allows you to accept payment in-person, online or on the go.

Need help using any of U.S. Bank’s digital tools? I can guide you through everything we offer to manage your finances securely and efficiently—anytime, anywhere.

Meet with me.
Make an appointment
Contact me.
480-751-1460
Location
Virtual Office

Business banking solutions tailored to your industry

Find your focus by exploring U.S. Bank solutions and services used by businesses like yours. We offer specialized products and industry expertise to businesses in:


  • Agriculture
  • Healthcare
  • Manufacturing
  • Nonprofit
  • Professional services
  • And more

Prepare for what's next with a trusted banking partner.

U.S. Bank has the resources, tools and solutions to help set you up for long-term success. Find everything you'll need from payments and banking services, to checking accounts and lending solutions that grow with you.

Related resources & services

Business resources

U.S. Bank small business resource center can help you grow and manage your business and to learn the next steps to become a successful business owner.

Business bank accounts

Start smart with a business bank account from U.S. Bank. Compare & open business checking accounts, business savings accounts and business CDs.

Payment solutions

U.S. Bank merchant services provides comprehensive payment processing solutions for businesses of all sizes. Get secure, reliable & efficient service now.

Frequently asked questions

Working with a business banker gives you a dedicated financial partner who understands your business and your goals. Instead of navigating complex banking products on your own, you’ll have someone who can tailor solutions to your business needs — whether that’s managing cash flow, financing growth or planning for your future.

A business banker acts as your advocate within the bank, helping you access resources quickly and efficiently so you can focus on running your business.

A small business relationship banker provides a wide range of services. This includes:

  • New or existing bank accounts or credit cards to help manage cash flow and spending.
  • Lending solutions like term loans, lines of credit and SBA loans.
  • Payment solutions to accept customer payments, manage accounts payable/receivable and more.
  • Connections to specialists, including lending, treasury, merchant services and more.

Essentially, your small business relationship banker is a single point of contact who ensures you have the right tools and guidance to grow and protect your business.

We’re happy to meet with you virtually or in person. It’s up to you.

Disclosures