Commercial Banking Officer

Western State Bank; Scottsdale (AZ); On-site; USD 90,000 - 130,000; Full time

Job summary

Western State Bank in Arizona is seeking a Commercial Banking Officer to grow and manage a high-quality loan portfolio while building lasting client relationships.

You will analyze credit risk, structure loan terms, and coordinate with credit, risk, and retail teams to deliver tailored solutions for business clients. This role emphasizes relationship-building, sound credit practices, and helping local businesses thrive.

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.
• Monitor portfolio performance to maintain strong asset quality.
• 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.

Skills

Commercial lending

Credit analysis

Portfolio management

Business development

Regulatory awareness

Communication

Education

Bachelor's degree in Finance

Job description

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.
• Monitor portfolio performance to maintain strong asset quality.
• 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.