The right lender can make all the difference.

Making a Difference

At United Bank of Iowa, our people make the difference. To them, you are an individual, not just another account number. Our knowledgeable team of business lenders will provide the solutions and service you expect.

Come see for yourself the many ways our team is Making a Difference in our customers’ lives.

Meet Alan

Vice President and Branch Manager, Schleswig
NMLS# 697163

aweiss@unitedbk.com
712-676-3606
712-269-1512

A lender and a branch manager with over 21 years’ business experience, Al takes the time to understand what his customers want and then customizes UBI’s bank products to meet their needs and operation.

Growing up in Charter Oak and working on his Dad’s farming operation gave him experience in the industry and a strong appreciation for agriculture. His interest in ag led him to earn a Bachelor of Science degree in Ag Business from Iowa State University. He also graduated from the Graduate School of Banking in Boulder, Colorado.

An avid ISU and Minnesota Vikings fan, outside of work you’ll find Al watching or attending sporting events.

Meet Andy

Vice President Office Manager, Boone
NMLS# 1668639

ahunziker@unitedbk.com
515-432-2028
712-830-8676

Andy makes a difference at United Bank of Iowa by listening to his customers and focusing on their needs to assist in improving their business.

With a degree in Agricultural Business and Economics from Iowa State University, Andy has been serving farmers in Boone County since 2004. He has helped beginning farmers with new enterprises, farmers who have suffered from natural or economic disasters, and has worked with non-traditional enterprises.

Andy's passion for agriculture was fueled by his upbringing on a corn, soybean, cow/calf and swine operation in Sac County. When he isn't at the bank, you can find him camping with family and friends, attending sporting events with his children, and farming.

Meet Carolyn

Personal Banker, Odebolt
NMLS# 697127

choelscher@unitedbk.com
712-668-4877
712-269-1247

“I always try to provide service with a smile. I appreciate the customers and try to go above and beyond whenever I can by providing a positive experience. Helping community members, family and friends fulfill their banking needs has been both satisfying and rewarding throughout my career.”

With over 34 years in the banking industry, Carolyn has served in a number of roles in banking, including loan secretary, bookkeeper, and loan support representative before becoming a personal banker.

Having lived and worked in Odebolt her entire career, Carolyn is a dedicated member of the community and has served on a number of boards, most recently as a member of the Odebolt Community Center.

Meet Jeff

Loan Officer, Denison
NMLS# 1632953

jfreier@unitedbk.com
712-263-5055

An Agricultural Business graduate from Iowa State University, Jeff is located in our Denison office and assists customers with their commercial and consumer lending needs. He started with UBI in May of 2016 as an Ag Loan Officer Trainee before moving to his current position.

Growing up in Lake View, Jeff knows what it means to be a part of a rural community and is committed to meeting the financial needs of the Denison Area Community.

Meet Craig

Vice President Office Manager, Kingsley - by appointment only, Pierson
NMLS# 697140

cmoritz@unitedbk.com
712-378-3304

“I try hard to put myself in my customers’ position. I try to be understanding, while putting their best interests as my main priority.”

Craig has spent his entire life in agriculture – he was raised on a farm and is now operating his own farm. Craig has been with UBI for 14 years, starting as Loan Officer. He previously worked at the Kingsley Elevator working his way up to Feed Dept. Manager.

Outside of work you’ll find Craig working on the farm or spending time with his wife and three children.

Meet David

Vice President Office Manager, Glidden
NMLS# 697136

dmcnamara@unitedbk.com
712-659-3611
712-830-4405

“Helping my customers become more profitable is how I make a difference.”

Dave’s role at UBI includes agriculture, commercial, real estate and consumer lending. He graduated with an Ag Business degree from Iowa State University and has experience that includes Farm Credit Services, First Bank & Trust, and 13 years with UBI.

A 25-year member of the Glidden Fire Department, outside of work you’ll find David fishing, gardening, and working on the family farm.

Meet Eric

Vice President Office Manager, Churdan
NMLS# 892759

ehappe@unitedbk.com
515-389-3222

Eric was a born farmer, growing up in the Churdan community working on his parent’s farm. That experience and dedication to Churdan and farming shaped his desire to become a local banker.

Eric joined United Bank of Iowa as a lender and currently serves as Office Manager in Churdan overseeing the day-to-day operations and assisting customers with loan requests.

Eric likes spending time with family and friends enjoying activities such as hunting and fishing.

Meet Jamie

Assistant Vice President Office Manager, Cleghorn
NMLS# 1325488

jhill@unitedbk.com
712-436-2222

With over 17 years of banking experience, Jamie makes a difference by spending time with her customers, learning about their needs, and finding out what products will not only meet but exceed their needs.

She has an Associates of Science Degree from Northwest Iowa Community College, and recently completed a two year agriculture program through Iowa Bankers Association and Iowa State University. Whether you need a loan, crop insurance, or day-to-day banking transactions, she has the knowledge to help you.

During her free time, you can find her with her husband in the sprayer, attending her kids’ sporting or academic activities, or watching Iowa State and NFL football games.

Meet Jake

Vice President Office Manager, Dunlap
NMLS# 697151

jschaben@unitedbk.com
712-643-1114
712-592-5253

“Growing up in Dunlap, I came to appreciate and understand the role a small town community can play in people’s lives. That’s why I love working for United Bank of Iowa, because, as an organization, we truly understand our customer’s needs and can guide them to make the right financial decisions.”

As a Texas A&M graduate with a Bachelor of Science in Agribusiness, Jake has been with United Bank of Iowa’s Dunlap branch for over five years. As the Office Manager, Jake’s responsible for overseeing all ag, business and consumer lending as well as supervising daily branch operations.

Outside of work, Jake enjoys spending time with his family, volunteering in the community, and cheering on Texas A&M.

Meet Jake

Vice President Office Manager, Storm Lake
NMLS# 697152

jschable@unitedbk.com
712-732-1620
712-299-1061

“Growing up in Storm Lake means that I am familiar with the people and the community that I work in. Having my own small farming operation provides me the opportunity to be on the other side of the desk understanding the joys and challenges of agriculture. I make a difference by having a personal relationship with my customers. A banking relationship is more than just borrowing money from somebody; it’s having a partner that takes the time to understand your operation and its needs.”

After graduating from Southwest Minnesota State University with a major in Ag-Business and a minor in Agronomy, he brought his skills into banking. He started at UBI in 2007. His current responsibilities include managing the Storm Lake office and serving as an Ag and Commercial lender.

Outside of work you’ll find Jake working at his acreage, which is part of his family’s century farm, where he and his father operate a 40-head cow calf herd raising show cattle.

Meet Jean

Vice President Office Manager, Ida Grove

jburns@unitedbk.com
712-364-3393

Jean brings over 39 years of experience in the banking industry to her roles as Ida Grove Office Manager and a commercial and ag lender.

“As a commercial lender I will listen to your business plan carefully, and suggest financing that will fit your cash flow and help your business grow and succeed. I also enjoy working with agricultural operations of different types and sizes. It is very gratifying to close a loan that helps you achieve your goals.”

Growing up in Schaller, Jean is a lifelong Iowan who understands the business and agricultural needs of rural communities. She has been a dedicated part of the Ida Grove community for over 20 years. Outside the bank, Jean serves as chairperson of the hospital board of trustees, recreation center board president , and her church’s finance committee.

Meet Jean

Vice President Loan Officer, Denison
NMLS# 697125

jheiden@unitedbk.com
712-263-5055

”I listen to my customers needs and try to help them through the good times and the rough times. I understand that life has its ups and downs. I truly enjoy working with people and helping them to make their dreams come true.”

She handles all personal loans, but primarily mortgage loans and really enjoys the first time homeowners. The day we close on a family’s first home is very rewarding. Jean has been in banking since 1972 and is delighted that she is now making loans to her customer’s children.

Born and raised in Denison, she and her husband have been married 48 years and enjoy traveling, riding motorcycles (they’ve attended Sturgis for 28 years!), and spending lots of quality time with their nine grandchildren.

Meet Jeff

Sr. Vice President Regional Branch Manager, Ida Grove
NMLS# 866172

jbuehler@unitedbk.com
712-364-3393
712-364-3293

As regional branch manager, Jeff is responsible for overseeing seven United Bank of Iowa branches in addition to management of the commercial loan portfolio. Based in Ida Grove, Jeff is an Iowa native who grew up in Odebolt.

With over 32 years of banking and lending experience, Jeff is dedicated to ensuring his team gives customers the highest level of attention to each individual relationship. Jeff holds a Bachelor of Science in Agricultural Business from Iowa State University and has completed Graduate School of Banking coursework in Madison, WI.

Meet Jeffrey

Vice President Regional Branch Manager, Rockwell City
NMLS# 697143

jneubaum@unitedbk.com
712-297-7547

Jeff defines his job as “going above and beyond to meet and surpass expectations of customers. I will meet early in the morning, nights or on weekends to accommodate any or all schedules to help customers. I enjoy helping farmers meet their goals. This flexibility is needed in today’s fast paced environment.”

He holds degrees from Iowa Central Community College and the University of Northern Iowa. Jeff has been a lender for the past 20 years and was the office manager in Sac City the past ten years before beginning his current role. When he’s not helping customers, he’s farming 500 acres of corn and soybeans.

Jeff is originally from Rockwell City, Iowa. He and his wife have three sons, and he has coached his boys in multiple sports. They also belong to the United Methodist Church in Rockwell City. Jeff also has been a certified high school football official for 21 years.

Meet Jim

Vice President Regional Branch Manager, Carroll
NMLS# 697120

jfriel@unitedbk.com
712-792-8559
712-830-0098

As the Vice President and Regional Manager, Jim is responsible for overseeing United Bank of Iowa’s Carroll, Boone, Churdan, and Lohrville branch offices. In this capacity, Jim is dedicated to creating relationships with his clients that provide service and solutions to help their business or operation succeed.

Jim has been a part of United Bank of Iowa’s team for over 19 years and holds a Bachelor of Science from Iowa State University and attended the Graduate School of Banking in Madison, WI.

Jim grew up living across the state of Iowa, and had the opportunity to spend time assisting his grandfather’s and uncle’s farm operations. In addition, Jim’s a dedicated member of the Carroll community and has served on a number of boards, currently the Iowa State University Extension.

Meet John

Vice President Office Manager, Commercial/Real Estate Lender, Onawa
NMLS# 523382

“I believe in treating my customers as friend and neighbors, which in many cases they are.”

John started in banking in 1989, came to Blencoe State Bank in 2000, and took on the role of Office Manager in Onawa when UBI acquired Blencoe State Bank in April 2015.

John is a lifelong Iowa native, born in Nevada, and a graduate of Iowa State University. Outside the bank his interests include frequenting local auctions, 4-H activities, and participating in various Pheasants Forever events.

Meet Kellen

Ag Loan Officer, Storm Lake
NMLS# 1080427

Staying involved with the family row-crop and livestock farm where he grew up gives Kellen an edge when finding solutions for his customers. “I make a difference by helping customers develop a plan specific to their operations based on their needs and goals.”

Kellen is a native of Galva, Iowa and a graduate of Iowa State University with a degree in Agricultural Business. He brings seven years of experience to his position that helps him advise his customers.

Outside of work, Kellen enjoys raising cattle, hunting, and golfing. He also serves on the Sac County Fair Board and the Sac County Planning and Zoning board.

Meet Kenneth

Vice President Office Manager, Denison
NMLS# 1072276

kblair@unitedbk.com
712-263-5055
712-269-1417

As a farmer himself, Ken shares the ups and downs of the agricultural economy with his customers and understands the value of preserving Iowa’s farms and farming values for our children and grandchildren. “I’ve been able to help customers of all ages meet and exceed their financial goals. My customers are my friends and my neighbors.”

Before joining United Bank of Iowa’s Denison branch, Ken spent years working for the USDA, Farmers Service Agency (Farmers Home Administration at the time), and has 26 years of experience in financing and lending. Ken has helped complete loans for Main Street, home ownership, consumer, and agricultural operations.

As an ag lender, office manager, and financial consultant, Ken is dedicated to meeting the financial needs of the Denison community.

Meet Kristopher

Assistant Ag Loan Officer, Storm Lake
NMLS# 1418468

Kristopher’s approach to helping customers starts with listening and asking great questions to fully understand their goals. Only then can he begin to analyze and offer solutions, based on the unique needs of each individual.

“I’m very excited to move back home and use my accounting degree from the University of Northern Iowa and work experience to help local families and business owners in Pocahontas and Buena Vista counties. I approach every customer situation as if I were their in-house accountant trying to find the best answers for their business.”

He is the fourth generation to live on the family acreage near his hometown of Havelock, Iowa. Kris and his brother operate a 25-head SimAngus cow-calf herd.

Meet Lee

Vice President Office Manager, Harlan
NMLS# 697153

lschoof@unitedbk.com
712-755-5800
712-363-3169

In his role as Vice President and Office Manager, Lee is responsible for supervising the daily operations of United Bank of Iowa’s Harlan location. In this capacity, he oversees the staff as well as management of a personal loan portfolio.

Lee, a graduate of Iowa State University, has been with United Bank of Iowa for over eight years. He also completed the Kansas/Nebraska Ag Lending School in 2012 and the Graduate School of Banking in 2015.

Lee developed his passion for agriculture early on, growing up on family owned and operated dairy farm. Currently, Lee is serving as Vice President of the Shelby County Fair Board.

Meet Logan

Assistant Vice President Branch Manager, Marcus
NMLS# 762655

As a fourth generation family farmer, Logan knows what it takes to farm in today’s agriculture economy. In addition to managing the Marcus branch, Logan is responsible for helping customers find the right lending solutions.

Logan holds a Bachelor of Science degree from Iowa State University and is a lifelong Iowan. He brings over ten years of lending experience to his position.

Outside of the bank, Logan farms and custom feeds pigs. He is also a member of the Cherokee School Board and serves as an elder at church.

Meet Marla

Vice President Office Manager, Charter Oak
NMLS# 697145

mraasch@unitedbk.com
712-678-3348

Marla’s role at UBI is to manage the Charter Oak office, as well as ag, real estate and consumer lending. A native of Odebolt, she has lived in Charter Oak for 17 years and has been a member of the UBI team for 21 years.

“I grew up on a diversified grain and livestock farm outside of Odebolt. During this time I was involved in the daily operations of the farm, as well as being a 10 year 4-H member where I showed livestock and various other projects.”

Marla, an Iowa State University graduate, brings a strong desire to help others to her position. "I take pride in getting to know my customers so that I can provide them with the best possible advice to assist them in achieving financial success."

Meet Matthew

Vice President, Office Manager, Sac City
NMLS# 747357

Growing up in rural Carroll County and studying Ag Business at Iowa State University gave Matt an appreciation and respect for the agricultural industry. In addition, Matt has also completed Agricultural Credit School.

In his new role in the Sac City office, Matt is getting to know customers, their families and their operations on a personal level. “This allows me to realize what their financial goals are and utilize our products and services to help them achieve their goals. It comes down to our mission statement: creating and maintaining personalized customer relations.”

When he’s not at the bank, Matthew’s involvement includes the Blackhawk Men’s Club, Sac County 4-H Endowment Committee and the Board of Directors for The Sac County Golf and Country Club. He also enjoys spending time with his two sons, as well as playing golf.

Meet Mike

Vice President Office Manager, Fort Dodge
NMLS# 539607

Mike has over 35 years of agricultural, commercial, and consumer finance lending experience in Iowa. In his current role as vice president and office manager, Mike is responsible for overseeing the daily operations of the Fort Dodge branch and making both commercial and consumer loans for Fort Dodge community members.

Prior to joining United Bank of Iowa, Mike gained valuable experience at Federal Land Bank, Farm Credit Services, and community banks in Iowa. Mike holds a Bachelor of Science degree from the University of South Dakota.

Mike grew up in Peterson, Iowa, and has experienced the challenges and opportunities facing Iowa’s farmers today.

Meet Neil

Vice President and Branch Manager, Odebolt, Kiron
NMLS# 697156

nsibenaller@unitedbk.com
712-668-4877
712-660-2329

“I make a difference to United Bank of Iowa by trying to make the customer feel comfortable discussing their banking needs with me. I want each customer to leave feeling that they are understood and important - no matter what their financial status.”

Growing up near Carroll on a large farm family instilled in me the love of family and rural living. Agriculture was important to me as a child and continues today as I’ve chosen to live in small town Western Iowa where agriculture happens every day.

Neil received his degree from Iowa State University and also completed Ag Lending School. He enjoys time with his wife and active kids, as well as helping on the family farm and hunting.

Meet Steven

Vice President Office Manager, Galva
NMLS# 697146

sradke@unitedbk.com
712-368-4502
712-229-6125

Steven’s focus at UBI is ag and commercial loans. He also assists customers with other banking products and general banking needs. “I make a difference by being able to understand customer’s unique situations and having the experience to help them make financial and banking decisions that are right for them.”

A native of Galva, Steven earned degrees in Finance and Marketing from the University of Iowa. He has been with United Bank of Iowa for nine years.

When he’s not at the bank you’ll find him grain farming with his dad north of Galva. “I grew up helping my dad and great aunt and uncle farm and have taken on a larger role in the farming operation since moving back from college and starting work at UBI.”

Steve Rippke

Vice President Office Manager, Moville
NMLS# 697149

srippke@unitedbk.com
712-873-3666

Steve’s role at UBI is to make sure the Moville Branch runs efficiently and with great customer service. As a lender, his main focus is agriculture, but he can also help you with Consumer and Real Estate loans.

“I make a difference by the experience I bring to my job as ag lender. I grew up on a farm and still farm today. Because of this I can identify with and relate to farmers on their terms. There’s a personal satisfaction I get when my customers are successful. On the consumer side I enjoy helping people achieve their dreams or goals whether it’s buying a house or a car or anything else I can help them with.”

When he’s not at the bank you’ll find Steve either farming, riding his Harley or on the golf course. In winter you’ll find him in the weight room working out.

Meet Susan

Loan Officer, Assistant Trust Officer, Glidden
NMLS# 697119

sfreml@unitedbk.com
712-659-3611
712-830-9889

With over 41 years in the banking industry, Susan has seen it all. As a Loan Officer and Assistant Trust officer, Susan makes a difference in her customer’s lives by helping make their next home purchase a reality. From first home purchases, to upsizing or downsizing, Susan helps her customers take advantage of the many different real estate products available.

In addition to her loan responsibilities, Susan holds a real estate license which helps her understand the real estate market on a deeper level and gives her borrowers more insight into the real estate lending process.

Susan has been an active member of the Glidden community for over 41 years, and has been involved with a number of associations focused on helping the community prosper and grow.

Susan is a 2000 graduate of the Madison, WI Graduate School of Banking, and attended the Agricultural Credit School in Ames, IA in 2004.

Meet Troy

Vice President Office Manager, Lake City
NMLS# 697107

twhipkey@unitedbk.com
712-464-3181

As the Lake City Vice President Office Manager, Troy is responsible for supervising the daily activities of the branch and ensuring each customer and employee is treated with respect. Troy has been a part of United Bank of Iowa for eleven years, and is a life-long Iowan with agricultural roots.

“I have a customer I’ve worked with for seven years, and a few years back he told me that I’m no longer his banker, but I’m a part of his team.” Troy strives to make each Lake City branch customer feel that they’re a part of United Bank of Iowa’s team, and together, they’re working toward a stronger community.

Troy is a committed member of the Lake City community, he is currently president of the SCC Booster Club and has served on the local fire department, the fair board, and as a member of his church’s governing board. He also donates time working with the South Central Calhoun youth sports leagues.

Meet Whitney

Vice President Office Manager, Moorhead
NMLS# 697107

wreimers@unitedbk.com
712-886-5252

As branch manager, Whitney is responsible for overseeing all deposit and lending processes, from buying a car or home to opening a new checking account or purchasing equipment for business and agricultural operations.

“I understand that managing finances can be time consuming and stressful, so I’m dedicated to making the process smooth and stress-free for my customers.”

Whitney grew up as a member of 4-H and FFA surrounded by row crop and cow and calf operations. After completing her Bachelor of Science degree from Iowa State University, Whitney joined United Bank of Iowa as an Ag loan trainee.

Outside the bank Whitney enjoys livestock shows, hunting, horse riding and golfing.

Meet Abby

Assistant Loan Officer, Carroll
NMLS# 1810270

Abby’s goal is to make each customer feel important and get them the information and advice they deserve. She strives to understand each person’s situation, because they are all different, and provide them with a successful plan of action.

She came to UBI after graduating from Iowa State University with a Bachelor of Science degree in Finance. She likes meeting new customers, while providing a familiar face to the area. After work, she enjoys spending time with her family and friends and planning her next concert or travel destination

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