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Arizona Commercial Banking

Your commercial needs have met their match with our experienced Arizona Commercial Banking team. Averaging almost 30 years of experience per team member, you can find success and get help with real estate projects, business purchases, equipment financing, working capital, and more. On average, our team finances more than $285 million in commercial loans for Arizona clients each year. Knowledgeable in industries from construction to healthcare, give us a call and experience the difference WaFd Bank can make for you.

Meet our Arizona Commercial Team

Tim Ponzio
Vice President, Relationship Manager

With 25 years of banking experience and 15 years in commercial banking, Tim has the knowledge to help your business succeed. Specializing in equipment finance, he partners with and consults the commercial team. In addition to equipment finance, Tim provides deposit account solutions and commercial real estate lending including industrial, multi-family, office, and retail properties.

Jim Wardle
Senior Relationship Manager

Jim has more than 30 years of experience in commercial banking, specifically servicing and lending to customers in the technology, medical, legal, commercial, and industrial, and investor real estate segments; while providing comprehensive depository, treasury management, and working capital solutions to customers throughout Arizona. Jim has a successful background in relationship management and leadership and prides himself on building lasting business relationships through mutual trust and a genuine concern for the success of his clients. Jim received separate degrees in Business Administration and Marketing from the University of Arizona. Arizona has been his home for more than 47 years and Jim is excited to be a contributor to the continued growth of the Valley community through both business and philanthropy.

Steve Ponzo
Senior Relationship Manager

Steve has been a commercial banker in Southern Arizona for over 17 years. He has worked in community, regional, and national bank environments and was mentored by some of the most respected commercial bankers in Southern Arizona. Steve's experience includes credit analysis, loan origination, lending department management, and loan approval. Currently, Steve works alongside his colleagues to build out the Southern Arizona Commercial Banking Office for WaFd Bank Arizona. He also originates commercial loans and provides treasury management solutions to commercial clients across the Southern Arizona region. In his spare time Steve enjoys a wide variety of outdoor activities and spending time with his wife and four children.

Jill Malick
Senior Relationship Manager

With more than 29 years of industry experience, 20 in Tucson, Jill is among the region's top specialists in commercial lending, treasury management and portfolio management. Working across all industries, she customizes lending solutions for commercial customers including real estate, working capital lines of credit and equipment. Collaborating with businesses in Tucson, Nogales and Yuma, Jill delivers a superior commercial banking experience. She also has a passion for her local community, having previously served on a number of board of directors including the United Way of Tucson, Southern Arizona, and Tucson Metro Chamber of Commerce. She is an honors graduate of the Pacific Coast Banking School.

Rey J Robles
Community Business Banker

A native of Tucson, Rey has been in banking since 1997. He is an experienced Commercial Banker who has demonstrated a history of leadership and excellence in the banking industry. Rey is skilled in accounting, commercial lending, commercial banking services, sales management and residential lending. After receiving a bachelor's degree in both Accounting and Finance from the University of Arizona, Rey went on to receive his Master's in Business and Administration from the University of Phoenix.

Rey maintains an active involvement in several community service organizations. He is a member of the Tucson Conquistadores and a past member of both Pima County Community Land Trust and the Arts Foundation for Tucson and Southern Arizona.

Mitch Langston
Banking Officer

Mitch has been in Small Business Banking for over 20 years. His primary area of expertise is owner occupied commercial real estate lending. He also focuses on commercial lines of credit, multi-family housing, and treasury management. Living in the Phoenix area for over 18 years, Mitch enjoys working with small businesses all over the Valley.

Jim McCann
Commercial Division Manager

Jim has more than 20 years of experience in banking, with expertise in commercial, industrial and real estate acquisition, refinance, rehab/renovation, construction, cap ex/equipment, working capital, receivables, payables, treasury management, and investment. Overseeing the Arizona Commercial Division and Equipment Finance teams, Jim has 9 lenders who are truly the best in class. He prides himself as a key business partner skilled in collaborating with senior leadership and cross-functional teams to provide financial recommendations for strategic business decisions.

John Bowler
Senior Relationship Manager

After over 20 years in banking, John continues to enjoy old and new friendships he has developed with customers through the years. He is currently focused on the banking needs of companies in the manufacturing, distribution, wholesalers, real-estate, and professional sectors. An Arizona native, he spends most of his free time raising his two sons together with his wife. He is an avid sports and outdoorsman, and also enjoys watching sports and coaching his boys' soccer teams in his free time.