Ricky Rios, COO of Commercial Equipment Finance, Inc. (CEFI) shares the story of the biggest risk he ever took that led to his biggest reward and the importance of working SMARTER, not harder. We also discuss the value in hiring people with a desire to learn and grow, the wealth of information on the ELFA website (www.elfaonline.org) and the benefit of earning the CLFP designation. This interview was conducted on August 24, 2020.