Get to know John’s commercial banking philosophy and how he helps businesses in the Twin Cities.
Share a little about your background and banking career.
John: I grew up in Winona and went to St. Mary’s University. After graduation, I moved to the Twin Cities, where I currently live with my wife and four boys in Lakeville.
I have been in the lending business my whole career. During the real estate boom years of the 2000s, I was a business owner in the construction lending industry. It was a challenging environment leading up to the economic meltdown. I was fortunate to exit the business before the Great Recession hit, and I learned many great lessons about both the successes and failures of running a business.
What do you like most about your job?
John: When I am able to make a difference helping a client succeed and reach their goals.
What kinds of businesses do you typically work with and how do you help them?
John: My clients are typically family-owned companies located in the Twin Cities market. I help them by providing financing and other banking services where needed, along with ideas and guidance when appropriate.
What is something not many businesses know about work with Merchants Bank?
John: That Merchants is an employee-owned ESOP bank! Being employee-owned has a positive effect on our company culture, and is a nice contrast to the big banks.
How would you describe your partnership with your business customers?
John: It is very much a business partnership. For me to be a good banker for my clients, I need to have a deep understanding of their business and business goals. This helps me to not only provide the services and advice needed, but also allows me to be an advocate for my clients internally within the bank.
What do you hope your customers say about working with you?
John: I hope my customers say that I understand them and that they have a banker they can trust to take care of their needs.
What does community banking mean to you?
John: To me, community banking means strong relationships with our clients and with the local markets we serve. Community banking also means local decision-making, which for many business owners can be the difference between feeling understood and getting the service they need versus feeling like your bank doesn’t get you.
Loans are subject to approval.