Business Loans

Our Business Lending Team

Steve VanDette Steve "Chip" VanDette

SVP, Chief Lending Officer

Chip has over 15 years of banking experience in North Central Ohio, most of which has been spent working with business clients in all aspects of commercial banking. Chip is an Alumni of Norwalk St. Paul high school, holds a Bachelor of Science degree from Bowling Green State University, and an MBA from the University of Phoenix.

Phone: 419-355-2144

Shannon GeorgeShannon George

VP, Senior Lender

Shannon has 10 years of banking experience, half of which has been dedicated to commercial lending. Shannon’s past banking experience includes residential mortgage, university banking, and retail banking. Shannon attended Malone University and is a graduate of the School of Business and Leadership.

Phone: 419-464-3038

Angela BuchwaldAngela Buchwald

VP, Commercial Loan Officer

Angela has over 15 years of commercial lending experience. Her areas of expertise include territory growth, COI relationship building, strategic partner integration, proposal development, and prospecting proficiency. Angela holds a Bachelor of Arts degree from Mount Union University and an MBA from Baldwin Wallace College. She also completed her Omega Credit Training. 

Phone: 419-355-2142

Valerie BumpValerie A. Bumb

VP, Commercial Loan Officer

Valerie has over 25 years of commercial and agricultural lending experience. She makes use of the USDA and SBA lending programs to help meet the financial needs of her customers. Valerie holds a Bachelor of Science degree from Cornell University in Ithaca, New York. She also attended the Graduate School of Banking at the University of Wisconsin. She is an Alumni of Seneca East High School. 

Phone: 419-448-1370

John FeyJohn Fey

VP, Commercial Loan Officer

John has been in commercial lending for over 35 years, serving Northwest Ohio for all of those years. John is a life-long resident of Fremont, Ohio, and alumni of St. Joseph Central Catholic High School. John holds a Bachelor of Business Administration from the University of Toledo.

Phone: 419-355-2151

Marty FolgerMarty Folger

VP, Commercial Loan Officer

Marty has 28 years of commercial lending experience. Marty holds a Bachelor’s Degree in Accounting from Michigan State University. Marty is a graduate of the School of Commercial Credit from Miami (OH) University and of the Ohio School of Banking from Ohio University. Marty also graduated from the Leadership Erie County (LEADS) program.

Phone: 419-734-5046

Kirby HolmanKirby Holman

VP, Commercial Loan Officer

Kirby has nearly 20 years of commercial lending experience. Kirby holds a Bachelor of Finance Degree from the University of Toledo.




Phone: 419-464-3037

John KreuzJohn Kreuz

VP, Commercial Loan Officer

John has over 30 years of banking experience, with the past 13 years being focused on commercial banking relationships in Northwest Ohio. His past banking experience includes retail banking, mortgage lending, and credit quality management. He holds a Finance degree from the University of Toledo and an MBA from Heidelberg University.

Phone: 419-464-3031

Derek NewellDerek Newell

VP, Commercial Loan Officer

Derek has over 20 years of banking experience, more than 15 of those in commercial lending. Derek’s prior banking experience consists of branch management, retail lending, and mortgage lending. Derek holds a Bachelor of Arts and Science from The Ohio State University. 

Phone: 419-660-6105

Kelly SmithKelly Smith

VP, Commercial Loan Officer

Kelly has over 15 years of banking experience in Northeast Ohio, three of those years helping companies grow their business and manage their day-to-day operations through financial solutions. Before commercial banking, her experience included retail branch management and CRA lending. Kelly holds a Bachelor of Arts degree from The Ohio State University and a Masters in Business Administration from Ashland University.

Phone: 440-781-1804

Julie Spencer PhotoJulie Gio Spencer

AVP, Commercial Loan Officer

Julie has more than 9 years of commercial banking experience in Northwest Ohio, spending a majority of that time also focusing on helping businesses with their cash management needs. As a small business owner herself, Julie understands all facets of business ownership and is excited to help her business customers. Julie holds a Bachelor of Arts degree from Bowling Green State University and is an alumnus of Sylvania Northview High School. Julie has lived in Sylvania her entire life, currently residing there with her husband and two sons.

Phone: 419-464-3036



Business Loans & Credit Lines IconWe have Loans and Lines of Credit to take your business further. From opening your first location to keeping up with supply and demand, your business success relies on having the resources you need. 


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Small Business LendingSmall Business Loans are typically used to start a business, purchase inventory or equipment, purchase real estate, or expand an existing business. Some small business loans are for general business funding. We know that all businesses are unique and deserve a one-on-one experience with a Small Business Lending Expert to better understand your business and to talk with you about eligibility requirements, loan options, and cost.

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Equipment Loans & LeasingGrowing a business is a challenge for many entrepreneurs. Depending on the needs and size of your business, expenses can be rather large, especially when purchasing large equipment.



Commercial Real EstateHaving the right financial partner can be key to your success. Croghan offers comprehensive and flexible Commercial Real Estate lending solutions, including new construction, acquisition, or refinancing options, to help build your business. 



Business Succession IconFor many business owners, operating their business day-to-day can consume virtually all of their time. Retirement often seems like a distant speck on the horizon, let alone plans to hand over the business. However, establishing a sound Business Succession Plan is beneficial and oftentimes necessary.

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*All loans are subject to credit approval.






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