Commercial Lenders

Commercial Lenders

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Escanaba Admin


Todd Maki

Todd Maki

Commercial Lender

 (555) 555-5555

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Jay Owens

Jay Owens

Commercial Lender

 (906) 786-0222 ext 322

“Take advantage of opportunities with confidence, purpose, and enthusiasm”

I have over 30 years of experience at the bank, starting in consumer and mortgage lending before becoming a commercial lender. My background includes working as an investment representative for a major brokerage firm.

I graduated from Escanaba High School and earned a Bachelor's Degree in Business Administration (Finance) from Northern Michigan University. Tthen earned an MBA from the University of Phoenix and additional training at the Northern Michigan University School of Banking.

I originate in commercial loans, including financing for business acquisitions, equipment, commercial vehicles, commercial real estate, and working capital lines of credit. I also oversee the business credit card program and work closely with our commercial credit analysts.

I enjoy spending time with my wife, children, and grandchildren, as well as golfing and biking. I serve on the finance council of St. Joseph & St. Patrick Parish and have been an active member of the Lions Club for 35 years, currently serving as Secretary of the Wells Lions Club.

 

Escanaba Ludington


Kyle Closs

Kyle Closs

Commercial Lender AVP

 (906) 786-3355

“Work hard and be patient, the rest will follow”

I have 10 years of experience in commercial banking, with a bachelor's degree in Finance and Risk Management from Northern Michigan University and a master's in Finance from Colorado State University. I will graduate from the Graduate School of Banking in the summer of 2025.

I primarily lend to small business owners in various sectors, including trucking, manufacturing, retail, and hospitality, while focusing on building community relationships. Growing up in the Upper Peninsula, I understand its unique needs.

In my free time, I enjoy outdoor activities with my family, especially hunting and fishing. I also serve on the Gladstone Downtown Development Authority board, promoting growth in the downtown area.

Jared Ogren

Jared Ogren

Commercial Lender

 (555) 555-5555

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Marquette


EJ Kostreva

EJ Kostreva

Commercial Lender

 (555) 555-5555

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Ron Bennetts

Ron Bennetts

Commercial Lender

 (555) 555-5555

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Joe Havican

Joe Havican

Commercial Lender

 (555) 555-5555

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Kingsford


Jon Pryor

Jon Pryor

Commercial Lender

 (555) 555-5555

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Gladstone


Kevin Gendron

Kevin Gendron

Commercial Lender & Analyst

 (906) 428-3535

 "Dream big. Start small. But most of all, start"

After four years in commercial banking, I transitioned to an analyst and lender. This experience allowed me to gain valuable insights into cash flow analysis, income statements, and appraisals, which laid a solid foundation for my lending career.

As a commercial lender, I originate loans for business acquisitions, equipment purchases, auto loans, rentals, working capital, lines of credit, and personal loans. Growing up in Escanaba, MI, and attending Escanaba High School and Bay College helped me build strong community connections. I earned my Bachelor's degree in Business Administration from the Bay College/Lake Superior State University program and have attended various banking seminars, including the "Best Conference" in Traverse City.

My diverse work experience in construction, environmental services, and management allows me to relate to borrowers effectively. Outside of work, I enjoy spending time with my wife and two-year-old daughter, golfing, and being on the lake. I also serve on the Bay College business board and the EDC board for Gladstone, where I find fulfillment in contributing to community growth.