Stephen M. Cairns joined Rabobank, N.A.’s commercial banking team in San Luis Obispo, as a relationship analyst, announced Steven Harding, regional  president. He is located at the bank’s San Luis Obispo financial service center at 2276 Broad Street and reports to Linda Minton, commercial banking regional manager.

Before joining Rabobank, Cairns served as a financial analyst and junior lender for Heritage Oaks Bank.  He earned a bachelor of science degree in agribusiness and a minor in wine and viticulture from Cal Poly. 

A resident of San Luis Obispo, Cairns is a member of the San Luis Obispo Chamber of Commerce and a member of the San Luis Obispo Joint Use Committee.
Rabobank, N.A. offers middle market companies a full range of banking services including commercial loans and lines of credit, capital markets products, equipment leasing, checking, savings and money market accounts, and treasury management products and services.

Rabobank, N.A. is a California community bank that provides personalized service and a full array of quality products to individuals, businesses, organizations and agricultural clients.  With nearly 120 retail branches, they serve the needs of communities from Redding to the Imperial Valley through a regional structure that promotes local decision making and active community involvement by their employees.  Rabobank, N.A. is ranked “Highest Customer Satisfaction with Retail Banking in California” by J.D. Power and Associates.