Our Business Lending Team
 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
Email: svandette@croghan.com
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 Shannon 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
Email: sgeorge@croghan.com
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 Angela 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
Email: abuchwald@croghan.com
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 Valerie 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
Email: vbumb@croghan.com
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 John 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
Email: jfey@croghan.com
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 Marty 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
Email: mfolger@croghan.com
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 Kirby 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
Email: kholman@croghan.com
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 John 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
Email: jkreuz@croghan.com
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 Derek 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
Email: dnewell@croghan.com
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 Kelly 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
Email: ksmith@croghan.com
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 Julie 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
Email: jspencer@croghan.com
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 We 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 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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 Growing 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.
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 Having 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.
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 For 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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