Mike Roach has extended and received loans.

Working years for both commercial lending banks and commercial real estate development, Roach said he is comfortable in his new role as regional senior vice president for United Business Bank in Albuquerque. The bank is located at 1500 Mercantile Ave., N.E., which was the location of Union Savings Bank, before it was acquired by United Business Bank.

Roach said his bank does a little bit of everything for its clients, but two areas the bank focuses on are right in Roach’s wheelhouse: real estate and industrial commercial lending.

Roach accepted the position after United Business Bank reached out to him, following the retirement of the bank’s previous manager. He came onboard in November and officially began overseeing operations at the start of the year.

"Working on both sides of the business has given me a very, in-depth, well-rounded, understanding of the goals of all the parties involved," Roach said. "(The big banks), regardless of what they say, they kind of turned the lending and the loan process into a fairly standardized business, and if you don’t fit in their box, you don’t get much done if you’re a borrower."

A few of Roach’s goals is to have his bank have a balance of a more custom fit to his clients while having the resources of a growing commercial bank. He is aiming for 15-20 percent growth over the course of the year, which he feels is achievable.

Roach came to the New Mexico market in 1984 and worked from a variety of banks over the years, including at Wells Fargo and First National Bank of Santa Fe — now First National 1870 — for Michelle Coons, who is now senior vice president in Washington Federal’s New Mexico territory. Following his time at First National, Roach took a hiatus from banking to pursue real estate in commercial development management for CAP Development Group. He jumped back and forth between the two industries over the years.

He just felt like it was time for a change.

"It’s kind of one of those things where you could see your future, and you say ‘if I’m going to do anything else, I better try it now,’" Roach said. "I thought it was only going to be a couple of years, but I blinked my eyes and 10 years had gone by."

During his tenure at CAP, Roach said worked on over 75 projects that were over $400 million across New Mexico, Texas, Arizona and Nevada. A portion of those projects centered around the Walgreens expansion.

"I made those guys a lot of money," Roach said with a laugh. "The average Walgreens would sell for $5-6 million, and there you go."

After his time with CAP, he moved back into the banking word, including time with BBVA Compass cleaning up bad loan messes after the recession, he said. Having been on both sides of the business, he was designated to BBVA’s Global Management Division where he worked to solve the crisis for both the bank and its clients.

"It’s ‘how do we make the most out of a bad situation and get ourselves out of here,’" he said of the process.

United Business Bank is a subsidiary of California-based BayCom Corp., which acquired Plaza Bank of Seattle in November, bringing United Business Bank’s total assets to more than $1.2 billion and 19 offices across the West Coast and the Southwest.

Largest Banks in New Mexico

Ranked by Deposit volume, local

Rank Business name Deposit volume, local 1 Wells Fargo Bank N.A. $8.48 billion 2 Bank of America N.A. $3.84 billion 3 U.S. Bank N.A. $1.52 billion View This List

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