Patrick Ruiz-Gurin is a commercial banking executive with J.P. Morgan, based in San Francisco, where he works with middle-market companies on financing, capital structure and broader banking needs. He brings extensive experience advising businesses across food, beverage, agriculture and related industries, with a focus on helping management teams navigate growth, liquidity and changing market conditions.

Prior to joining J.P. Morgan, Ruiz-Gurin held senior banking roles with Wells Fargo and built a career serving commercial clients throughout California. His background gives him a practical perspective on how lenders assess risk, creditworthiness and capital needs across economic cycles.

Ruiz-Gurin earned his MBA from Pepperdine University’s Graziadio Business School