
Everett
Joy Drake
SBA Business Development Officer
Specialties
- SBA Lending
- Commercial Banking
About Joy Drake
SBA Business Development Officer
With over 35 years of diverse banking experience, Joy brings deep expertise in commercial and consumer lending, strategic client engagement and community-focused leadership. Joy specializes in generating and managing SBA commercial business loans while mentoring team members to deliver exceptional client experiences. Her career has spanned key roles at institutions across the northwest, where she has consistently demonstrated her strengths in credit, relationship building and production. She also actively contributes to her community through leadership roles at Spokane Rotary 21, Southside Community Center and several other nonprofits.
Maximize the Financial Success of Your Business
Merchant Services with Elavon
Heritage Bank has teamed up with Elavon to offer one-of-a-kind solutions that make it easy to accept all the payment methods your customers want to use, from anywhere in the world your business takes you.Heritage Bank Community Development Entity
The Heritage Bank Community Development Entity finances businesses in economically distressed areas, breathing new life into neglected and underserved low-income communities.Heritage Direct: Mobile Check Deposit
Skip the trip to the bank and deposit checks using our business mobile app, Heritage Direct.

Banking Business Magazine
A magazine for your business banking needs. Protect and grow your business as you navigate an ever-changing financial landscape. Banking Business is a free quarterly publication of Heritage Bank. As your banking partner, we are here to empower you with news and information to help you make more effective banking decisions.
About Heritage Bank
Heritage Bank serves customers like you. Your neighbors. The couple who owns the storefront across town. The customers we serve bring their unique heritage—and unique needs—to our bank.
To help our customers achieve their goals, we offer a complete array of banking services and tools for businesses as well as individuals. Our focus is on our communities: helping customers in our local markets build their heritage.
HeritageBankNW.comTo help our customers achieve their goals, we offer a complete array of banking services and tools for businesses as well as individuals. Our focus is on our communities: helping customers in our local markets build their heritage.