Ian Joles

SBA Lender, VP
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Areas Served

San Diego

Get to know me

At First Citizens, our SBA Business Development Officers partner with you to deliver tailored financing solutions for your growing business’s short- and long-term needs. With decades of experience working with multiple markets and industries, we’re dedicated to navigating you through every touchpoint of the SBA’s 7a and 504 loan options.

Our approach simplifies the SBA loan process for our borrowers, whether you're starting a business, acquiring one or expanding your existing operations. We pride ourselves on working with you to deliver the capital needed to bring your business positive results.

With over 29 years of experience in banking (mostly serving SME businesses), Ian brings knowledge, professionalism, and an understanding of the financial landscape to his customer relationships. Ian is knowledgeable and passionate about finances, business cash flow, and helping businesses maximize their potential. Ian’s familiarity with market and geographic economic conditions allows him to help businesses take advantage of opportunities and overcome obstacles. Mr. Joles enjoys spending time with his fiancé, his daughter and dog when he’s not helping business owners achieve their dreams. He also enjoys the outdoors, staying fit, attending a good sports event or concert, cooking and travelling.

Industry Expertise

Distributors / Wholesalers
Educational Services


UC Santa Barbara - BA, Business Economics


Working out, walking my dog, golf, tennis, softball, kayaking, sporting events, concerts and cooking


Make sense of the markets. We have our fingers on the pulse of economic growth, investor sentiment and valuation trends.
Start, grow and expand. Our industry knowledge helps you build a long-term approach for successful business strategies.
Check out the full range of commercial financing services offered by First Citizens Bank.
1) Approved to offer SBA loan products under the SBA Preferred Lenders program

2) First Citizens Bank offers SBA 7(a) loans in select areas within Arizona, California, Colorado, Florida, Georgia, Kansas, Maryland, Missouri, New Mexico, North Carolina, Oklahoma, Oregon, Texas, South Carolina, Virginia, Washington and West Virginia.