Western State Bank · 1 week ago
Commercial Banking Officer
Sun City, AZ
Full-time
Onsite
Senior Level
5+ years expWESTERN STATE BANK is seeking a Commercial Banking Officer who will play a critical role in driving the growth and profitability of the bank's commercial lending portfolio. The officer will be responsible for evaluating, structuring, and managing commercial loans while maintaining strong relationships with business clients and ensuring compliance with regulatory standards.
BankingCreditFinanceFinancial ServicesLending
Responsibilities
Originate, evaluate, and structure commercial loans including asset-based lending and small business lending products
Conduct thorough credit analysis and risk assessments to determine loan eligibility and terms
Manage and monitor the commercial loan portfolio to ensure compliance with bank policies and regulatory requirements
Develop and maintain strong relationships with existing and prospective commercial clients to identify new business opportunities
Collaborate with credit analysts, underwriters, and retail banking teams to facilitate loan approvals and service delivery
Prepare detailed loan proposals, documentation, and presentations for internal credit committees
Stay informed on market trends, economic conditions, and regulatory changes affecting commercial banking and lending
Provide ongoing support and financial advice to clients to help them manage their banking needs effectively
Qualification
Required
Bachelor's degree in Finance, Business Administration, Economics, or a related field
Minimum of 5 years of experience in commercial lending or commercial banking
Strong knowledge of commercial loan products, credit analysis, and loan portfolio management
Proven ability to assess credit risk and structure loan agreements accordingly
Excellent communication and interpersonal skills to build client relationships
Preferred
Experience with asset-based lending and small business lending in a retail banking environment
Familiarity with regulatory compliance and risk management frameworks in the banking industry
Demonstrated success in business development and client acquisition
Company
Western State Bank
Western State Bank offers checking accounts, saving accounts, investment, loans, long-term deposits, mortgages & internet banking services.
51-200 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase