Andrew Lerud

Andrew Lerud

Andrew Lerud

Andrew Lerud

Business Banker
Assistant Vice President

Bank: 701.235.4248
Direct: 701-297-4878
Cell: 701-361-0160
Toll Free: 800.214.4986
Fax: 701.297.4860
Email: [email protected]

Diverse Background Yields Trusted Advice

Andrew helps his customers and clients grow their businesses through sound financial planning. He prides himself on being a relied upon financial advisor for them in all aspects of their business, which he credits to his diverse background. In his many years of working in financial services, he’s familiar with a variety of industries, some of which include real estate, financial services, transportation, manufacturing, development, and construction.

Areas of Expertise

  • Multi-family Housing
  • Business Acquisition & Expansion 
  • Commercial Real Estate
  • Risk Management

Education and Professional Credentials

  • Bachelor of Science, Business Administration/Management – University of North Dakota
  • Bachelor of Science in Accounting – North Dakota State University
  • Certified Public Accountant 

The Rest of the Story

Prior to banking, Andrew spent several years in public accounting, working on audit engagements and tax preparation for small to medium sized businesses.

Andrew enjoys living and working in the Fargo area because it is big enough to offer opportunities, but still small enough that you can be involved with your customers in many ways, be it through business opportunities, school or church events, non-profit events and more.

In his spare time, he enjoys being with his family, golfing, hunting and travelling. He’s involved with the RMA Board and NDSCPA society and is also a Rotary member.

Phone
701.235.4248

Location
215 5th St N
Fargo, North Dakota 58102
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Hours
9 am – 5 pm, M-F

Night Depository

Brad Loween

Brad Loween

Brad Loween

Brad Loween

Business Banker
Assistant Vice President

Bank: 701.235.4248
Direct: 701-297-4863
Cell: 701-373-4777
Toll Free: 800.214.4986
Fax: 701.297.4860
Email: [email protected]

A Long History of Serving

Brad Loween prides himself on getting to know his customers well and continually strives to understand both their short and long term goals. He wants to truly know what makes them tick and what motivates them to get up in the morning because that understanding helps him better determine how to best meet their financial needs. He values the relationships he’s gained over more than a decade in the financial sector.

Areas of Expertise

  • Retirement & Financial Independence
  • Business Acquisition & Expansion
  • Equipment Purchase & Leasing
  • Commercial real estate
  • Multi-family housing

Education and Professional Credentials

  • Bachelor of Science, Biology – Montana State University
  • Retired North Dakota Army National Guard 

The Rest of the Story

After spending 20+ in the North Dakota Army National Guard, instead of flying Black Hawk helicopters Brad now spends his time chasing around his three kids and attending their activities.

He’s very active in the community, is a board member for Rebuilding Together Fargo-Moorhead, a volunteer with ESGR (Employer Support of the Guard and Reserve), a PeeWee Hockey coach, and a Fargo Rotary Member. He thinks the best part about living in the area is getting to know people in the community and assisting in some small part to help make the community successful.

In his spare time, he enjoys hunting, fishing and spending time with his family outdoors.

Phone
701.235.4248

Location
215 5th St N
Fargo, North Dakota 58102
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Hours
9 am – 5 pm, M-F

Night Depository

Rob Lill

Rob Lill

Rob Lill

Rob Lill

Ag/Business Banker
Vice President

Bank: 701.235.9906
Direct: 701.893.3920
Cell: 701.715.2032
Toll Free: 877.235.9906
Fax: 701.237.6599
Email: [email protected]

Client-Focused Relationships Built on Trust

With over a decade of working in ag lending, Rob prides himself on building long term, client-focused relationships that are built on trust, transparency and a deep understanding of his client’s goals. He’s is dedicated to putting the customer first and assisting them in every way possible to achieve their success.

Areas of Expertise

  • Farm Ownership & Expansion
  • Retirement & Financial Independence
  • Financial Security & Protection
  • Business Acquisition & Expansion

Education and Professional Credentials

  • Bachelor’s Degree in Business Administration/Finance – University of North Dakota 

The Rest of the Story

Rob says banking is ‘in his blood’, as his grandmother was a president of a credit union in rural North Dakota for 65 years and his mother has been in banking her entire career.

Rob and his wife live in West Fargo with their four children. He spends a lot of time coaching his kids’ activities and volunteering, and being active in the church. He also enjoys watching UND hockey, spending time at the lake, and is an avid hunter.

Phone
701.235.9906

Location
1301 30th Ave S
Fargo, North Dakota 58103
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Hours
9 am – 5 pm, M-F

Drive-Up
7:30 am – 6 pm, M-F
9 am – Noon, Sat

Night Depository & ATM

E. Justin Marquis

headshot of E. Justin Marquis

E. Justin Marquis

headshot of E. Justin Marquis

Ag/Business Banker
Vice President

Bank: 218.435.1474
Cell: 218.431.1328
Toll Free: 877.435.1474
Fax: 218.435.1470
NMLS#: 1580651
Email: [email protected]

Experience and Perspective Help Shape Financial Success

Understanding agribusiness and serving customers goes hand-in-hand when you grow up in the area where you serve your customers. E. Justin Marquis brings expertise in business to help producers and agribusinesses set and reach their financial goals.

A native of Fosston, Minnesota, Justin brings additional expertise, having worked in the agricultural equipment business in management and as a sales representative. He uses his knowledge of the region and agribusiness in providing tools that help American Federal customers map out financial options for success.

Area of Expertise

  • Business banking
  • Agricultural lending
  • Equipment purchase and leasing

Education and Professional Credentials

  • Bachelor’s Degree / Biology – Minnesota State University Moorhead

The Rest of the Story

Previously working in the agricultural equipment business, Justin uses his broad knowledge of agribusiness to help meet clients’ needs. A native of Fosston, Minnesota, he appreciates having the opportunity to provide professional expertise to assist customers in his hometown region.

An avid outdoorsman, Justin also previously worked for fishing charters in Sitka, Alaska and still enjoys winter darkhouse spear fishing in Minnesota. With agricultural and business experience, Justin helps clients’ gauge the depth and tools needed to target and achieve long-term financial goals.

Phone
218.435.1474

Location
209 Johnson Ave N
Fosston, MN 56542
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Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 5 pm, M-F
8:30 am – Noon, Sat

Night Depository & ATM

Chris Marvel

Chris Marvel

Chris Marvel

headshot of Chris Marvel

Business Banker
Vice President

Bank: 218.739.3377
Direct: 218.998.4586
Cell: 701.540.8845
Toll Free: 888.389.3377
Fax: 218.739.9487
NMLS#: 504048
Email: [email protected]

Industry Experience and Personal Service

As a Business Banker, Chris Marvel provides clients with more than two decades of expertise in the financial services industry. From small business to residential real estate and new construction, he provides financial expertise to clients.

Areas of Expertise

  • Small business lending
  • Residential real estate
  • Lakes area real estate
  • Construction lending

Education and Professional Credentials

  • Bachelor’s degree / Business Administration – Bemidji State University

The Rest of the Story

Chris Marvel provides expertise to clients as well as the community. He is a board member of the Fergus Falls Area Family YMCA, serves as secretary for the YMCA Foundation and is treasurer of the Fergus Falls Backcourt Club.

In his spare time, Chris enjoys spending time at the lake with family and downhill skiing. He is an avid fan of all Minnesota sports from the Twins to the Vikings to college hockey.

Phone
218.739.3377

Location
117 S Mill St
Fergus Falls, Minnesota 56537
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Hours
9 am – 4 pm, M-F

Drive-Up
7:30 am – 5:30 pm, M-F
9 am – Noon, Sat

Night Depository & ATM

Dan Messelt

headshot of Dan Messelt

Dan Messelt

headshot of Dan Messelt

Private Banker
Assistant Vice President

Bank: 218.773.9711
Direct: 218.773.4719
Cell: 218.791.6179
Toll Free: 877.773.9711
Fax: 218.773.4710
NMLS#: 504050
Email: [email protected]

When Planning, Preparation and Opportunity Converge

In Dan Messelt, clients find a private banker, mortgage broker and comprehensive financial planner all in one. With more than 14 years of experience in financial services, he is able to help clients with needs that are as varied as retirement planning, home ownership, saving for college and insurance protection.

Areas of Expertise

  • Mortgage lending
  • Retirement planning
  • Consumer lending

Education and Professional Credentials

  • Bachelor’s degree / Finance Management – University of North Dakota

The Rest of the Story

No matter what the season, you’ll find Dan outdoors. In addition to being an avid hunter and fisherman, Dan enjoys hitting the links and spending time with family and friends at the lake.

Whether in the boat or in a duck blind, Dan recognizes that planning, preparation and opportunity converge to create success. He’ll apply those same principles to help you achieve your financial goals.

Phone
218.773.9711

Location
140 Gateway Dr NE
E. Grand Forks, Minnesota 56721
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Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 6 pm, M-F
10:00 am – Noon, Sat

Night Depository & ATM

Dustin Morris

headshot of Dustin Morris

Dustin Morris

headshot of Dustin Morris

Ag/Business Banker
Market President, Fergus Falls
Vice President

Bank: 218.739.3377
Direct: 218.998.4585
Cell: 701.388.2949
Toll Free: 888.389.3377
Fax: 218.739.9487
Email: [email protected]

Taking a Team Approach

Dustin Morris works with customers to help them meet their life goals. Specializing in consumer, business, and ag lending, as well as deposit-related solutions, Dustin teams with his clients to help them reach their goals of saving for college, financial security and protecting assets, and planning for major purchases.

Areas of Expertise

  • Consumer lending
  • Business and Ag lending
  • Risk management

Education and Professional Credentials

  • Bachelor’s degree / Business Administration – University of South Dakota

The Rest of the Story

In addition to teaming up with his clients to develop financial solutions, Dustin teams with his community. He’s a member of the Fergus Falls Jaycees and Ducks Unlimited and appreciates the lakes and outdoor recreation opportunities in the Fergus Falls area.

Phone
218.739.3377

Location
117 S Mill St
Fergus Falls, Minnesota 56537
Get Directions

Hours
9 am – 4 pm, M-F

Drive-Up
7:30 am – 5:30 pm, M-F
9 am – Noon, Sat

Night Depository & ATM

Mike Mihulka

Mike Mihulka

Mike Mihulka

Mike Mihulka

Mortgage Loan Officer

Bank: 701.235.9906
Direct: 701.893.3905
Cell: 701.866.5233
Toll Free: 877.235.9906
Fax: 701.237.6599
NMLS#: 686731
Email: [email protected]

Mortgage Specific to Your Situation

With over 15+ years in the mortgage industry, Mike strives to match his customers with the optimal mortgage product for them based on their wants and needs, all while making the process as seamless as possible.

Whether a customer is in the market to purchase a new home, to refinance, or looking to add an investment property, Mike is ready to work with them and earn their repeat business.

Areas of Expertise

  • Mortgage
  • Home Equity Lending
  • Investment Properties

Education and Professional Credentials

  • Bachelor’s of Science, Business Administration – Mayville State University
  • Dakota School of Banking graduate
  • Dale Carnegie Trusted Business Advisor

The Rest of the Story

A big part of Mike’s success is that he truly enjoys helping people. According to him, there is always that special feeling when you get the opportunity to work with first-time home buyers, but it’s working with customers multiple times over the years that really takes the cake.

In his spare time Mike dedicates a lot of his time to coaching youth sports (football, baseball, & basketball). He also volunteers at many charities throughout the FM area including Hope Blooms, Feed My Starving Children, and the Ronald McDonald House Charities of the Red River Valley to name a few. He and his wife have five kids and enjoy spending time at the lakes with family when not attending the kid’s sporting events.

Phone
701.235.9906

Location
1301 30th Ave S
Fargo, North Dakota 58103
Get Directions

Hours
9 am – 5 pm, M-F

Drive-Up
7:30 am – 6 pm, M-F
9 am – Noon, Sat

Night Depository & ATM

Julie Nowacki

Julie Nowacki

Julie Nowacki

Julie Nowacki

Personal Banker

Bank: 218.745.4271
Toll Free: 877.745.4271
Fax: 218.745.4272
NMLS#: 757104
Email: [email protected]

 

Community Roots Planted Deeply Translate into Commitment to Client Service

Whether creating a song, a community, or a financial future, success is achieved note-by-note and piece-by-piece. As a lifelong resident of the community she serves, Julie Nowacki is committed to helping those in the community she calls home. With more than 30 years of experience in banking, she helps clients reach their financial goals.

Utilizing her knowledge of mortgage lending, retirement savings and convenience financial products, she helps clients build a path to home ownership, as well as other paths to meet their various financial needs.

Areas of Expertise

  • Mortgage lending
  • Retirement planning
  • Convenience suite of products and services

The Rest of the Story

Julie’s pride in her community shows in her involvement to enhance it. She serves as President of the North Valley Health Center governing board, Treasurer of the Warren Chamber of Commerce, member of the Warren Housing and Redevelopment Board, as well as a Board member of Friends of Godel Memorial Library.

She interacts with many community members in her professional and her volunteer capacities. Whether helping a young family secure their first home or charting a path for someone saving for retirement, Julie applies her knowledge of banking and the community to help clients reach their goals.

Julie is proud of the continued success of the community. She collaborates with others to generate progress. With deep roots as a lifelong resident of Warren, a penchant for the classic country music of George Strait and Patsy Cline, and a joy for singing karaoke, Julie knows a strong foundation and hard work bring results. She applies these same principles to help clients chart their financial future, while building a strong local community.

 

Phone
218.745.4271

Location
101 E Johnson Ave
Warren, Minnesota 56762
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Hours
8:30 am – 4 pm, M-F

Drive-Up
8 am – 4 pm, M-F

Night Depository

Kyle Page

headshot of Kyle Page

Kyle Page

headshot of Kyle Page
Ag/Business Banker
Vice President

Bank: 218.281.3305
Cell: 218.791.8455
Toll Free: 888.329.3305
Fax: 218.281.6339
Email: [email protected]

A Broad Perspective on Agriculture

Kyle Page works with customers to provide a wide variety of agricultural and business solutions. Kyle’s well-rounded perspective on the needs of ag clients stems from his banking expertise, combined with his work on his family’s farm, his previous experience in the farm implement business, and his work as a field employee of the USDA Farm Service Agency. Kyle combines these unique perspectives to help you develop agri-business solutions.

Areas of Expertise

  • Ag lending
  • Business lending
  • Financial services

Education and Professional Credentials

  • Bachelor’s degree / Ag Systems Mgmt – University of Minnesota Crookston
  • RMA (Risk Management Association) – Agricultural Credit Analysis
  • Farm Service Agency – Guaranteed Loan Processing

The Rest of the Story

Kyle, who grew up on the family farm in the Red River Valley, brings a commitment to the Crookston community. Helping your neighbors is part of the region’s heritage.

Kyle serves on the Board of Directors for the Crookston Area Chamber of Commerce and is a member of a local farm commodity marketing group. That commitment to his community doesn’t go unnoticed. In 2010, Kyle and his spouse, Tiffany, were named Red River Valley Emerging Leaders for Polk County, Minnesota.

Phone
218.281.3305

Location
304 N Broadway
Crookston, Minnesota 56716
Get Directions

Hours
9 am – 4 pm, M-W, F
9 am – 5 pm, Th

Drive-Up
7:30 am – 5:30 pm, M-F

Night Depository & ATM