Commercial Banking Officer

WESTERN STATE BANK; Chandler (AZ); On-site; USD 90,000 - 130,000; Full time

Job summary

Western State Bank is seeking a results-driven Commercial Banking Officer to grow and manage a high-quality commercial loan portfolio while building strong long-term relationships with business clients. The role requires evaluating credit risk, structuring sound loan transactions, and actively managing portfolio performance to ensure asset quality and regulatory compliance.

You will develop and manage loan portfolios, identify new business opportunities, and collaborate with credit analysts,

Qualifications

• Bachelor’s degree in Finance, Business Administration, Economics, or related field.
• Minimum of 5 years of commercial banking or commercial lending experience.
• Strong knowledge of credit analysis, loan structuring, and portfolio management.
• Demonstrated ability to assess credit risk and make sound lending decisions.
• Excellent relationship-building and communication skills.

Responsibilities

• Develop and manage a commercial loan portfolio, including asset-based and small business lending.
• Identify and cultivate new business relationships to drive loan growth and deposit opportunities.
• Conduct comprehensive credit analysis and risk assessments.
• Structure loan terms and prepare credit presentations for approval.
• Partner with credit analysts, underwriters, and retail teams to deliver seamless service.

Skills

Commercial lending

Credit analysis

Relationship management

Portfolio management

Regulatory compliance

Business development

Education

Bachelor’s degree in Finance, Business Administration, Economics, or related field

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Commercial Banking Officer

Commercial Banking Officer

This role can be in Scottsdale, Chandler, Deer Valley, Ahwatukee Arizona

At Western State Bank, we believe banking is about more than transactions, it’s about building relationships, supporting local businesses, and strengthening the communities we serve. We’re a people-first organization that values collaboration, personalized service, and empowering our team members to make a meaningful difference for our customers.

About the Role

We are seeking a results-driven Commercial Banking Officer to grow and manage a high-quality commercial loan portfolio while building strong, long-term relationships with business clients. This role is instrumental in supporting small to mid-sized businesses by delivering tailored lending solutions that meet their financial goals and drive the bank’s growth and profitability.

The Commercial Banking Officer will evaluate credit risk, structure sound loan transactions, and actively manage portfolio performance to ensure asset quality and regulatory compliance. This position requires a proactive approach to business development, strategic relationship management, and collaboration across credit, risk, and retail banking teams.

If you are motivated by relationship-building, sound credit practices, and helping local businesses thrive, this is an opportunity to make meaningful impact.

What You’ll Do

Develop and manage a commercial loan portfolio, including asset-based and small business lending.

Identify and cultivate new business relationships to drive loan growth and deposit opportunities.

Conduct comprehensive credit analysis and risk assessments.

Structure loan terms and prepare credit presentations for approval.

Partner with credit analysts, underwriters, and retail teams to deliver seamless service.

Stay informed on market trends, economic conditions, and regulatory developments.

Serve as a trusted advisor to clients, providing ongoing financial guidance and support.

What You Bring

Required Qualifications

Bachelor’s degree in Finance, Business Administration, Economics, or related field.

Minimum of 5 years of commercial banking or commercial lending experience.

Strong knowledge of credit analysis, loan structuring, and portfolio management.

Demonstrated ability to assess credit risk and make sound lending decisions.

Excellent relationship-building and communication skills.

Preferred Qualifications

Experience with asset-based lending and small business lending.

Familiarity with regulatory compliance and risk management in banking.

Proven success in business development and client acquisition.

Key Skills for Success

Commercial lending expertise

Credit analysis and financial statement interpretation

Risk assessment and portfolio management

Business development and relationship management

Regulatory awareness and compliance understanding

Strong communication and collaboration skills

Why Join Our Team?

We believe great banking starts with great relationships, with our customers, our communities, and each other.

Here, you'll have the opportunity to make a real impact, build a rewarding career, and work alongside a team that values collaboration, integrity, and doing what's right for our customers.

Ready to make a difference?

Bring your experience, your ideas, and your passion for helping businesses succeed. We'd love to see what we can accomplish together.