Jay Toluba joined Commercial Credit Group in 2018 and was was promoted to Senior Vice President in 2024. Jay joined CCG in 2018 as Credit Manager for the Charlotte branch. He was promoted to VP & Operations Manager in 2019, and to Senior Vice President – Waste Division Manager in May 2024. He started his equipment finance career in 1988 at Orix Credit Alliance, continuing at Paccar Financial and CitiCapital. He also spent 12 years with Citigroup in various risk-related roles in the US and overseas. Jay holds a bachelor’s degree in finance from Mercer University and a master’s degree in finance from Georgia State University.