FDIC Badge

LP 37785 – Commercial Lending


Local. Just like you.

  • Competitive rates
  • Flexible fixed-rate options
  • In-house loan decisions and processing
  • Local loan servicing

We’re committed to helping businesses in our community grow and succeed.

With a suite of Commercial Lending products, we make our decisions locally, and we’ll work one-on-one with you to help you act fast when the right opportunity comes along. Our loans include:

  • Commercial Line of Credit
    Helps you take advantage of sudden opportunities.
  • Construction Loan
    When you want to build from the ground up.
  • Small Business Administration (SBA) Loan
    Specially designed to give well-managed but undercapitalized companies long-term financing.
  • Commercial Real Estate Loans
    If your business wants to buy, build or grow your real estate footprint.
  • Equipment and Inventory Purchases or Financing
    Help finance the capital equipment required to stay competitive and profitable.
  • Letters of Credit
    To ensure all conditions of our agreement are met for your business.
  • Learn More

Meet our Lenders

Andrew Ambrose

AVP – Business Development Manager

NMLS: 1222035

Serving Collinsville

aambrose@fnbwaterloo.bank
618-206-6302

Brian Flach

AVP – Commercial Relationship Manager

NMLS: 1203662

Serving Effingham/Stewardson

bflach@fnbwaterloo.bank
618-206-6330

Blake Johnson

VP – Commercial Relationship Manager

NMLS: 766758

Serving Columbia/Dupo

bjohnson@fnbwaterloo.bank
618-781-8690

Joshua McConachie

SVP – Commercial Relationship Manager Team Lead

NMLS: 1117805

Serving Columbia

jmcconachie@fnbwaterloo.bank
618-972-6224

Justin Ward

VP – Commercial Relationship Manager

Serving Swansea

jward@fnbwaterloo.bank
618-206-6327

Kevin Welch

VP – Commercial Relationship Manager

NMLS: 556131

Serving O’Fallon

kwelch@fnbwaterloo.bank
618-206-6350

Michelle Marhanka

AVP – Retail Relationship Manager

NMLS: 2451352

Serving St. Libory/New Athens

mmarhanka@fnbwaterloo.bank
618-475-2200

Phillip Kunz

SVP – Commercial Relationship Manager

NMLS: 493926

Serving St. Libory/New Athens

mmarhanka@fnbwaterloo.bank
618-295-2746

Robert Pickerell

VP – Commercial Relationship Manager

Serving Maryvile/Collinsville

Advantage Illinois small business program specialist

rpickerell@fnbwaterloo.bank
618-830-2231

Jeff Bloemker

Effingham Market President

Serving Effingham

jbloemker@fnbwaterloo.bank
217-342-3200

When your business succeeds, our community thrives.

Our Commercial Lending team is committed to the local community. We know the business environment, and when you see an opportunity for growth or expansion, we want to help you seize it.

We also offer a host of Cash Management, Merchant Services, Business Checking and Savings Accounts, and other services to keep your cash flowing smoothly while you focus on your business.

Learn More