Business banking services & strong local knowledge

Our expert Business Banking  and Commercial Loan Officers will guide you while you start, grow and evolve your business.

Our Business Banking Officers Are Ready to Assist You

Whether you're looking for the right business deposit or savings account, treasury management, or merchant services, our knowledgeable business bankers will help set you up for success.
Banker at desk
Dorene Goodman
Business Banking Officer

Dorene-Goodman-300x300Dorene has 28+ years of experience in retail and business banking. In 2017, she decided to work for a local financial institution, supporting local businesses by helping them find solutions for their personal and business financial needs. During COVID, she assisted local small businesses in need with help obtaining PPP loans to help their businesses survive.

Dorene volunteers for various charity events throughout the Valley, supporting local causes for people in need.

In her spare time, Dorene enjoys biking, hiking and watching sports on TV or at venues. She also has two sons and five precious cats.

Contact Dorene 

Noa Ramirez
Business Banking Officer

Noa-Ramirez-300x300Noa started her financial career in 2009 and has been with Arizona Financial since 2015. She has a wealth of knowledge and strives to make banking less scary for her business members.

Noa has been a teller, personal banker, trainer and now as a Business Banking Officer, is committed to assisting members make their financing easier and more pleasant. She loves Arizona and wants to help local business flourish in the Valley.

Outside of work, she enjoys being outdoors and spending time with her husband and two kids.

Contact Noa 


Julie Smith
Business Banking Officer

Julie SmithJulie has 39 years of banking experience in various roles. She has always worked for community financial institutions that focus on small businesses. She loves helping small business owners grow their business and prides herself on providing excellent member service. 

During her off time, Julie enjoys cooking and creating recipes and has discovered her passion for country dancing.

Contact Julie

Contact a Business Banking Officer:


You'll Find a Business Lending Expert Who Can Guide You Toward the Right Solution

As an Arizona Financial member, you'll have access to a business team that can assistance with commercial real estate loans, equipment loans and Small Business Administration loans.

Randall Gaston
SVP/Commercial Lending Manager

randall-gastonRandall serves as the EVP of commercial lending, leading credit administration, portfolio management and loan operations. He has a robust background in commercial and small business lending at both large and smaller community banking institutions. Randall joined us in 2015.

Contact Randall

Scott Willits
VP/Business Development Officer

Scott-Willits-300x300Scott has more than 15 years of commercial banking experience. He has worked at some of the nation’s largest banks but spent the past six years with us. Scott has extensive loan origination experience in income producing properties, commercial construction, owner-occupied real estate, SBA lending to businesses, and commercial appraisals. Through the years, Scott has originated more than $600 million in commercial loans. Scott’s clients benefit from quick local decision making and hands-on underwriting and closing teams.

Outside of work Scott enjoys spending time with his busy daughter, volunteering with a local cancer organization and staying active in the Arizona sun.

Contact Scott

Logan Craig
Commercial Loan Officer

Logan-Craig-300x300Logan has over 15 years of community banking experience, including 10 years of experience in commercial lending. He specializes in commercial real estate, residential development, equipment finance and relationship management. In addition, he has a history of credit analysis and underwriting, which allows his members to benefit from his hands-on experience as he guides them through the commercial lending process.

Logan values providing expert service and building relationships. At his previous job he was focused on relationship banking, and as a Commercial Loan Officer with Arizona Financial he is responsible for developing and managing new business banking relationships.

Outside of work Logan enjoys spending time with his wife and two dogs. When time permits, he enjoys traveling, playing golf, kayaking and hiking.

Contact Logan

Judi Moran
Commercial Loan Officer
SBA 504

Judi Moran

Judi serves as a commercial loan officer in the Lake Havasu area for Arizona Financial. She provides expert services for working capital, lines of credit, equipment loans, construction and term loans for owner-occupied small business real estate, hospitality, and investment real estate financing.

Contact Judi

Steve Fajardo
Government Guaranteed Lending Business Development Officer
SBA 504, SBA 7(a)

Steve FajardoSteve serves as a Government Guaranteed Lending Business Development Officer. He brings over 25 years of commercial lending experience and an extensive background in commercial banking and administering SBA, USDA Business & Industrial loans, and conventional commercial loans.

Contact Steve

Jonathan Temple
SBA Business Development Officer
SBA 504, SBA 7(a)
(Hablo Español)

Jonathan-TempleJonathan serves as an SBA Business Development Officer in the Phoenix Metropolitan area for Arizona Financial. In this position he serves as a technical resource to clients exploring the SBA 504 and 7(a) programs by providing them with financing solutions for a wide range of business purposes, including real estate, equipment, start-ups, acquisitions, and working capital. Jonathan also provides clients with traditional commercial and investor-owned real estate financing. Prior to joining Arizona Financial, Jonathan worked at multiple other financial institutions including a certified development company here in Phoenix allowing him to become well-versed with SBA standard operating procedures.

Contact Jonathan

Jared Shintaku
VP/Director of Government Guaranteed Lending

Jared-Shintaku-300x300Jared is an SBA loan officer with more than 10 years of community banking experience. Having worked with community banks and credit unions for his entire career, he has learned the value in supporting our community and its small businesses.

For the last four years, Jared has developed an expertise in both SBA 7(a) and 504 lending programs, which has allowed him to become a trusted resource for lenders, brokers, accountants and small business owners. He worked on the retail side of banking prior to doing SBA loans. This knowledge has allowed him to fully understand the importance of relationship banking.

He is a native of Arizona. Outside of work, he enjoys spending time with his wife and three young children. When time permits, he enjoys supporting and volunteering with local nonprofits focused on families and children.

Contact Jared

Mike Churosh
VP/Business Development Officer

Michael-Churosh-300x300Mike is a commercial loan officer with more than 20 years of commercial and private banking experience. With the constantly changing lending environment – whether the changes are market driven, regulatory or consumer driven – Mike has learned how to adapt and help members through all aspects of the lending process to meet their needs.

Outside of work, Mike’s hobbies are cooking, movies and traveling. His go-to vacation spots are Coronado, California; Tucson; and Park City, Utah. He also enjoys golf, skiing, surfing and sailing. Mike stays in shape by jogging and likes riding his bike as much as possible, especially around Old Town Scottsdale.

Contact Mike

Kevin Unger
Government Guaranteed Lending Business Development Officer
SBA 504, SBA 7(a)

Male-Photo-Coming-Soon-Image-1Kevin is an SBA/commercial lender with over 26 years of commercial and residential lending experience. He started his lending career in Denver as a construction lender assisting residential builders, developers, and individuals with financing needs from building a single residential home to the development of entire master planned subdivisions.

His experience in construction lending led him to move into all facets of commercial real estate lending, including multifamily family projects, retail space, hospitality, warehouse, investment properties and mixed use CRE. 

Contact Kevin

Alex Shaffer
VP/Commercial Banking Manager
SBA 504, C&I, CRE


Alex serves as Manager, Commercial and Industrial Lending for Arizona Financial. Alex is a commercial banking veteran with approximately 25 years of experience providing advisory driven custom commercial lending solutions to businesses in all sectors and commercial real estate investors. Alex believes that business owners are the engine that drives our communities and they deserve extraordinary attention and support.

Contact Alex

Stephen Wydysh
SBA Commercial Loan Officer
SBA 504

Stephen Wydysh

Steve serves as a commercial loan officer in the Lake Havasu area for the Arizona Financial. He provides expert services for working capital, lines of credit, equipment loans, construction and term loans for owner-occupied small business real estate, hospitality, and investment real estate financing.

Contact Stephen

Phil Orth
VP/Commercial Loan Officer
SBA 504, C&I, CRE

Phil OrthPhil is a commercial loan officer with close to 10 years of experience in community banking and commercial lending. He has experience in all forms of commercial lending ranging from real estate, real estate development, commercial and industrial lending, SBA 7(a) and SBA 504, all the way to business acquisitions and more niche commercial lending structures.

Phil started his career as a commercial credit analyst and underwriter which allows his members to benefit from his fundamental understanding of small business financials and commercial loan structuring. He believes in the importance of relationship banking and having a firm understanding of his customer’s business and industry. 

Outside of work Phil enjoys activities like off-roading, snowboarding, camping or any activity that allows him to take in the beauty of the Arizona desert. His wife’s family lives in a small surf town on the west side of Costa Rica and he enjoys visiting them whenever possible.

Contact Phil

Daniel Pearce
VP/Commercial Loan Officer
SBA 504, C&I, CRE

Daniel-PearceDan serves and a commercial loan officer out of the Mesa/Dana Park branch. Dan has 30 years of commercial lending experience ranging from working capital lines of credit to hotel construction and development. Dan enjoys being a hands-on lender where he frequently has significant input into the underwriting and approval process.

Contact Dan

Contact a Commercial Loan Officer:

#1 SBA Lender in Arizona!

We're proud to be recognized as the #1 Small Business Administration Lender in Arizona based on Ranking Arizona's 2022 marketplace survey.
And we're the only Arizona-based credit union with SBA Preferred Lender status, which means we can offer you a streamlined application process and quick, local decisions!