Mark Milligan

Business Banker
Officer

Bank: 701.235.4248
Direct: 701-297-4876
Cell: 701-411-1795

Practical Solutions for Unique Goals

With 20 years of experience in commercial lending, Mark is a trusted advisor and dedicated partner to businesses across the region. His expertise spans small business lending, commercial real estate, and multi-family real estate financing. Mark focuses on understanding each client’s unique goals and delivering practical solutions backed by sound business advice.

A collaborative team player and eager partner, Mark works closely with clients and colleagues to help businesses grow, navigate challenges, and achieve lasting success.

Areas of Expertise

Business Acquisition & Expansion
Equipment Purchase & Leasing
Commercial Real Estate
Multi-family Housing

Education and Professional Credentials

Bachelor of Science in Economics – North Dakota State University

The Rest of the Story

Mark has lived in Fargo for over 25 years, from going to NDSU to then working and raising a family. He considers Fargo his home and enjoys the many opportunities it provides while staying in North Dakota. He and his wife have two daughters.

In his spare time he likes to golf, hunt, and fish, and is an avid DIYer. He also volunteers with Spartan Youth Basketball (SYBA), coaches multiple youth sports, and is a member of Hope Lutheran Church.

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

Rachel Moen

Mortgage Loan Officer

Bank: 701.775.1133
Direct: 701.335.2104
Cell: 218.779.8014
NMLS#:2567457

Send Rachel a message

Apply for a Home Purchase, Refinance or New Construction Loan with Rachel today!

Finding Solutions to Reach Goals

Mortgage Loan Officer Rachel Moen starts her commitment to assisting clients by helping them identify their home ownership goals. She then dedicates herself to finding the right solutions to help them meet those goals and dreams throughout every stage of life.

Areas of Expertise

Home Ownership
New Construction Loans
Home Refinancing

Education and Professional Credentials

Bachelor’s of Business Administration in Management and Leadership from the University of North Dakota

The Rest of the Story

Born and raised in small town North Dakota, Rachel values the strong communities and the people within. Value having the opportunity to build personal relationships with customers.

In her free time she enjoys spending time with family and friends, being outside on the lake and at the golf course, and supporting UND sports and events.

Phone
701.775.1133

Location
2551 S Columbia Rd
Grand Forks, North Dakota 58201
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Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 5:30 pm, M-F

Night Depository & ATM

Dustin Morris

Ag/Business Banker
Market President, Fergus Falls
Vice President

Bank: 218.739.3377
Direct: 218.998.4585
Cell: 701.388.2949

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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
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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

Kristy Morris Leas

Mortgage Loan Officer
Officer

Bank: 218.281.3305

Cell: 218.280-6824

NMLS#757106

Send Kristy a message

The Client Experience is Everything

Mortgage Loan Officer Kristy Morris Leas has been a fixture in the Crookston community for decades. With 35+ years in banking and 15+ years specializing in home loans and mortgages, she has the basics down to a science, allowing her to focus fully on the client experience. Whether she is educating clients on different loan programs and options or guiding them through the process, her goal is to have the end result be a positive home financing journey.

Areas of Expertise

Home Ownership
Home Refinancing
New Construction Loans

Education and Professional Credentials

Bachelor’s of Science – North Dakota State University

The Rest of the Story

Kristy is extremely familiar with Crookston and the surrounding areas. Over the years she’s developed relationships and connections that are great resources when helping clients through the entire home buying process.

In her free time, she enjoys just about anything outdoors, including hiking, camping, and sports. She’s also part of the Lions of America Mentor Program.

Phone
218.281.3305

Location
304 N Broadway
Crookston, Minnesota 56716
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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

Payton Murray

Ag/Business Banker

Bank: 218.843.3656
Cell: 218.688.2192

Send Payton a message

A First-Hand Understanding

With experience and education in livestock and crop production, Payton not only provides financial products and services, but also resources and education that benefit your operation. Payton prioritizes building long-term relationships built on trust, reliability, and shared success.

As someone who grew up in and studied agriculture, she has a firsthand understanding of the opportunities and challenges that drive our local ag community. Payton is committed to helping you reach your financial goals.

Areas of Expertise

Farm Ownership and Expansion
Livestock Operations
Real Estate & Equipment Purchases

Education and Professional Credentials

Bachelor of Science in Animal Science from University of Minnesota Crookston

The Rest of the Story

Payton enjoys getting to work in the community and surrounding area of where she grew up, and also appreciates having the ability to provide services to local farmers and community members.

Payton is currently Secretary/Treasurer of the Northwestern Stockmen’s Association, is a Greenbush Area Community Fund Advisory Member, and is a mentor for BIO Girls.

When she’s not hard at work or volunteering, you’ll find her helping out on the family farm, golfing, hosting and planning events, and reading.

Phone
218.843.3656

Location
157 2nd St S
PO BOX 189
Hallock, Minnesota 56728-0189
Get Directions

Hours
8:30 am – 4 pm, M-F

Drive-Up
8:30 am – 5 pm, M-F

Night Depository & ATM

Drew Ness

Ag/Business Banker and Office Manager
Assistant Vice President

Bank: 218.784.7121
Cell: 701.430.9089

Send Drew a message

Financial Expertise and a Commitment to Community

Drew’s passion for agriculture started on his grandparents’ farm west of Ada. He understands the challenges and rewards of farming and advises his clients and helps them make the best decisions for their farm operations and businesses.

Drew spent the first decade of his career exclusively in ag lending before branching out to also include commercial and consumer lending. He believes that clients are never a ‘one size fits all,’ and appreciates finding unique solutions to contribute to achieving their financials goals.

Areas of Expertise

Farm Ownership & Expansion
Financial Security & Protection
Equipment Purchase & Leasing
Commercial Real Estate

Education

Bachelor’s Degree in Finance – Minnesota State University – Moorhead

The Rest of the Story

With both sides of his family being from Ada, Drew had roots in the community even before marrying an Ada girl and settling down there. Everything revolves around agriculture in the Red River Valley, and Drew believes you’d be hard pressed to find a nicer population than the Ada area.

Drew is a Church Elder at Zion Lutheran Church and a Benedictine Living Community Board Member. In his spare time you’ll find him watching sports, hunting, fishing, and doing most anything outdoors.

Phone
218.784.7121

Location
201 E Main St
Ada, Minnesota 56510
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Hours

8:30 am – 4 pm, M-F

Drive-Up

8:30 am – 5 pm, M-F

Night Depository

Julie Nowacki

Julie Nowacki

Personal Banker

Bank: 218.745.4271
NMLS#: 757104

Send Julie a message

Apply for a Home Improvement Loan, Home Equity Loan, or Home Equity Line of Credit with Julie today!

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 lending, retirement savings and convenience financial products, she helps clients build a path 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

Eric Post

Personal Banker

Bank: 701.235.9906
Direct: 701.893.3904
NMLS#: 1917175

Send Eric a message

Apply for a Home Improvement Loan, Home Equity Loan, or Home Equity Line of Credit with Eric today!

A Passion to Serve

In his banking career, Eric has found a true passion in delivering excellent service while having holistic conversations with his clients about their financial situation. He succeeds in understanding his clients by identifying their needs and goals, and creating a road map to help them make real financial progress towards them.

He takes pride in taking the time to help people reach their goals, no matter their starting point. A perfect example is a time a customer came in with no credit score but was interested in building his credit. Eric worked through various strategies with the customer, taking him through different steps and activities that eventually resulted in a solid credit rating. It’s those sort of successes that motivate him.

Area of Expertise

Major Purchases
Convenience products and services
Cash Management

Education and Professional Credentials

Bachelor’s Degrees in Finance and Communications – North Dakota State University
Credit Life and Disability Insurance Licensed

The Rest of the Story

Eric loves the outdoors including cookouts, bonfires, fishing, duck hunting, biking, golfing, and more. He’s an Air Force Veteran and was stationed in Tokyo for two years, where he learned to surf and cook a few different Japanese dishes.

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

Night Depository & ATM

Ryan Paulson

Ag/Business Banker
Vice President

Bank: 218.435.1474
Cell: 218.431.0511

Send Ryan a message

Versatility Provides Options to Help Clients Plan for the Future

Rather than having limited choices to plan for your financial future, an advisor with a broad range of skills and knowledge can help you develop a versatile plan that can keep pace with life’s changes. Ryan Paulson uses his extensive banking skills to assist you with a variety of options.

Ryan provides both ag and business banking services. Whether you need traditional banking services, such as loans and deposits, or want to plan for your financial future, his range of expertise provides you with a broad array of options to reach your goals.

Areas of Expertise

Ag lending
Business lending

Education and Professional Credentials

Bachelor’s degree / Business Finance – Concordia College

The Rest of the Story

The versatility shown in Ryan’s expertise is also displayed in his wide-ranging interests. A former football player, he enjoys hunting, fishing and riding his motorcycle. In addition, he enjoys farming and roofing, with skills gained from past work experience in agriculture and construction over an eight-year period.

The best part of his job in banking, however, is that he is able to be part of the community that is his hometown. Growing up on a farm near Fosston, Ryan appreciates the opportunity to provide financial services to people in a region he knows well.

Ryan works with clients to identify opportunities and find solutions that provide versatile options to help you achieve your financial goals.

Phone
218.435.1474

Location
209 Johnson Ave N
Fosston, MN 56542
Get Directions

Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 5 pm, M-F
Night Depository & ATM

Dan Paulson

Ag/Business Banker
Market President, Fosston
Senior Vice President

Bank: 218.435.1474

Cell: 218.289.3440

Send Dan a message

Success is a Team Sport

Dan Paulson knows he doesn’t succeed unless you do. Dan develops long-term banking relationships with clients based on expertise, trust and mutual respect. As part of his clients’ team, Dan works with farmers, business owners and professionals, developing solutions to complex issues to help you reach your financial goals.

With more than 25 years of experience in financial serivces, Dan uses his expertise to develop financial solutions for his clients.

Areas of Expertise

Advising Ag, Business and Individual clients
Ag Production and Real Estate lending
Ag and Business Acquisition and Expansion
Ag and Business Construction lending
Ag Financial Analysis and Cash Flow planning

Education and Professional Credentials

Bachelor’s degree / Agricultural Economics – North Dakota State University

The Rest of the Story

Whether it’s serving his clients or promoting his community, Dan’s team approach results in success. He’s recruited and developed an effective financial team, leading them to develop relationships that serve clients and the community. Such dedication doesn’t go unnoticed. Dan is a recipient of the “Fosston Person of the Year” award. He has led the Fosston banking location of American Federal to three annual Team Builder titles and is a seven-time top American Federal Sales Star, including twice being named the top overall Sales Star in the Ag and Business Banking division.

When not working, Dan loves to fish, hunt, farm, follow his favorite sports teams and spend time with family.

Phone
218.435.1474

Location
209 Johnson Ave N
Fosston, MN 56542
Get Directions

Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 5 pm, M-F
Night Depository & ATM