Relationship-Driven Commercial Banker: Lending & Growth

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

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.