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Albuquerque Plaza WaFd Bank Building

New Mexico Commercial Banking

Your deal is in good hands with our seasoned New Mexico Commercial Banking team. Boasting more than 150 years in combined experience, we know what it takes to get your commercial loan booked. Annually, our team closes on average $200 million in commercial loans for New Mexico clients. With unmatched personal service, we can help you with just about any industry, from construction to healthcare. Whatever project you're working on, whether it's business purchase, equipment financing, working capital, real estate projects and more, we've got your back. When you see WaFd Bank's name atop Albuquerque Plaza, consider experiencing the difference WaFd Bank can make for you.

Meet our New Mexico Commercial Team

Joshua Smith

Commercial Real Estate Division Manager
phone-alt505-341-7352

NM Commercial Division Manager for WaFd Bank, Joshua Smith, enjoys working with a team of exceptionally talented Commercial Bankers across New Mexico. Josh's career began in the Mutual Fund industry but moved to Albuquerque with his wife and child in 2007, beginning his career in Commercial Banking. His primary area of expertise is multi-family housing, investor-owned commercial real estate lending including self-storage and industrial projects and Business Banking.

Josh sits on the Executive Management Committee of the Urban Land Institute (ULI) NM, Board of Directors Veterans Integration Centers and NM Small Business Investment Council. The father of four children, Josh spends his time camping, skiing and traveling with his family.

Fernando Baca

Relationship Manager
phone-alt505-946-6504

Fernando is a veteran of the commercial banking industry in New Mexico with over 20 years of lending experience. His primary area of expertise and focus is construction financing, including multi-family housing, acquisition and development for single family housing, as well as homebuilder lines of credit. Fernando partners with the commercial banking team to provide customized lending and account solutions.

Joshua Howe

Commercial Relationship Manager
phone-alt505-341-7361

Josh has been involved with the financial industry since 2003 and joined WaFd Bank in January 2022. Josh's past experiences include retail banking, commercial real estate and C&I lending, and all applicable programs offered via the Small Business Administration (SBA). Josh also holds formal certification in Foundational and Advanced Commercial Lending from the American Bankers Association. When not at work, Josh is engaged in his passion of animal welfare and being involved with his children in youth sports and development.

Jeannie Miller

Relationship Manager
phone-alt505-726-6540

Jeannie has over 20+ years of experience in commercial and business banking. This includes commercial real estate, multi-family, equipment financing, small business, and treasury products. She strives to assist clients in all aspects of financing in both understanding and coaching for a possible solution. She belongs to the Gallup Rotary Club and Whispering Cedars Water Association. Any spare time is utilized to enjoy nature while, hiking, camping, hunting, fishing, and any DIY projects.

Aaron Bernabe

Commercial Relationship Manager
phone-alt505-341-7351

With over 15 years of banking experience, Aaron has the knowledge and experience to help his clients succeed financially. While focused on value add and construction projects he also works with his C&I clients to reach their financial goals. As a native New Mexican he has a passion to facilitate growth and improve our local economy. An avid soccer fan, Aaron spends most of his free time participating in the sport and supporting New Mexico United.

Brandy Murphy

Community Banking Officer
phone-alt575-439-0011

Brandy is a native of Alamogordo NM, who joined WaFd Bank in 2019. She is passionate about working with small business to help them achieve their financial goals. She enjoys assisting her clients with their all their lending needs to include CMFL and CRE financing. She is an active member of Alamogordo Center of Commerce, Las Cruces Realtor Association, and an Honorary Commander for Holloman Air Force Base.

Melissa Gonzales

Senior Depository Officer
phone-alt505-341-6850

Melissa brings over 25-years of commercial banking experience in both the National and Community Banking space, serving as a Commercial Lender, Treasury Management Director and Senior Depository Relationship Manager. Melissa is responsible for maintaining and growing a significant depository portfolio of large Public Fund and Treasury Management Clients and maintains a key leadership role in developing new product strategies while assisting with coaching other Team Members. Melissa is currently serving on the board for the New Mexico Museum of Natural History Museum Foundation and is a past board member of the CNM Foundation.

Michael Howard

Commercial Relationship Manager
phone-alt575-522-2664

Michael began his banking career in 2016 while completing his MBA at New Mexico State University. Starting as a Teller, he worked his way into commercial banking and now serves as a Commercial Relationship Officer at WaFd bank. His primary focus as a lender is investor-owned commercial real estate financing, including multi-family housing, office, retail, and industrial projects, as well as homebuilder lines of credit. He prides himself on his ability to accurately identify the needs of his clients and works to provide meaningful solutions to meet their financial goals. Michael is a Leadership Las Cruces Alumni and is an active member in the Mesilla Valley Economic Development Alliance and the El Paso Apartment Association.

Crystal Conine

Commercial Senior Relationship Manager
phone-alt505-341-7354

Crystal joined WaFd Bank in August 2016 and has over 20 years commercial banking experience. She is passionate about helping clients grow their businesses and achieve their financial goals. Crystal has a diversified skill set with expertise in commercial real estate, construction financing, C&I business lending, medical and hospitality.

Jennifer Luciani

Small Business Banker
phone-alt505-341-6928

Jennifer started her banking career in Albuquerque, New Mexico in 2005. Jennifer supports central and northern New Mexico by working with small businesses and volunteering in the community. Jennifer specializes in a variety of lending options. From multi-family and commercial real estate to lines of credit, equipment loans and term loan options. In the community Jennifer works with Junior Achievement, WESST, CREW NM and The Apartment Association of New Mexico. Outside of work, Jennifer is the mother of 2 beautiful children and loves camping with her family.