Port Angeles
Christian Fobian
VP | Senior Commercial Loan Officer
Christian Fobian began his banking career in 2005, primarily focusing on commercial lending. He started as a Commercial Loan Analyst, underwriting commercial loans and eventually managing a portfolio before becoming a Senior Commercial Loan Officer on the North Olympic Peninsula. As a Commercial Lender, Christian enjoys assisting businesses in securing the financing necessary for their growth and success.
[email protected]
360.505.0559
NMLS #646170
Seattle
Scott Higgins
VP | Senior Commercial Loan Officer
Scott relocated from Northern California to Washington state in 1993 and has resided in the Northern Puget Sound area ever since. He holds a bachelor’s degree in business administration from San Jose State University in San Jose, CA.
Beginning his career in retail branch banking in 1994, Scott has served as a commercial lending officer since 2001. Scott’s focus is on finding creative solutions to provide the best outcomes for borrowers. With a comprehensive banking background, he has extensive expertise in commercial real estate finance, construction financing, and small business lending. Scott's ability to develop and nurture long-term relationships with clients and network partners has led to a continuous stream of referrals from borrowers who deem his solutions vital to their success.
In his free time, Scott enjoys running, snow skiing, scuba diving, hiking, and attending local sports and concert events with his family.
[email protected]
206.436.3148 x3354
NMLS #1968400
University Place
Krista Montes
VP | Senior Commercial Loan Officer
Krista has over 19 years in banking, with the last 8 years specializing in commercial lending. As a native to the Pacific Northwest, Krista is dedicated to helping local businesses thrive and grow by offering personalized lending options, including working capital loans, equipment financing, commercial real estate, construction loans, C&I and SBA lending. She is skilled at assessing creditworthiness and developing customized loan packages that align with each client’s specific requirements. Outside of work, Krista is an active member of the local community. She volunteers with various nonprofit organizations that support the Pacific Northwest. She also enjoys spending time outdoors with her two kids and dog exploring the beauty that Washington has to offer.
[email protected]
206.620.0511
NMLS #2508527
University Place & Tacoma
Sean Spencer
SVP | Senior Commercial Loan Officer
Sean is Senior Vice President and Senior Commercial Loan Officer. Since 2005, Sean has worked closely with his clients on all aspects of commercial lending and enjoys helping them fulfill their personal and business needs. Prior to banking, Sean played professional baseball for the Seattle Mariners and Montreal Expos. He also took part in the 2004 Olympics with the Greek National Baseball Team.
[email protected]
206.436.1496
NMLS #646161