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Agriculture Banking

Meet Our Ag Lenders

Ag Lenders


Our agricultural loan officers are happy to visit you on your farm, or you can simply stop by any of our convenient offices to meet with one of them. Let us know how we can help you meet your farm financial needs.
 

Dave Cebulla

Dave Cebulla
Ag Vice President

320-632-9740
dave@pinecountrybank.com

“I have been employed in the banking industry my whole career, and my specialty is agricultural business lending. I grew up on a dairy farm near Browerville, MN. Through my years on the farm I acquired a good understanding of the agriculture industry. I was formally educated at St. John's University, earning a bachelor's degree in Business Management.”

Joe Carlson

Joe Carlson
Senior Agricultural Lender

320-894-7231
joe@pinecountrybank.com

“I service and work with agricultural loans throughout Southern Minnesota. I grew up on a grain and livestock farm near Danube, MN, and graduated from Alexandria Area Vocational School in 1979 with a degree in Finance and Credit Management. My agricultural lending career began in the early 1980s. Around that time I also began farming with my father and brother, raising crops and hogs. I got into community banking in 1995 and have been a full-time agricultural lender ever since."


Tim Twardowski

Tim Twardowski
Senior Agricultural Lender

320-632-9740
tim@pinecountrybank.com

“I was raised on a beef and crop farm northeast of Long Prairie and went on to college at Moorhead State University, where I received a bachelor’s degree in Business Administration. For 11 years, I worked as an Ag Lender for a local Credit Union until joining the Pine Country Bank team in June 2014. Agriculture has always been my love and interest, and I understand the importance of it locally and world-wide. With my family, I run a beef cow/calf operation and raise crops for the cattle, which has given me a niche in being able to relate directly to the challenges associated with farming.”

Michelle Carlson

Michelle Carlson
Loan Officer, NMLS #491843

320-584-5522
michelle@pinecountrybank.com

“I grew up near Upsala, MN. During my youth, I spent much of my time helping on my grandparents’ Century Farm near Avon, MN. I received a Bachelor of Science degree in Mathematics from Saint Cloud State University and have been employed in the banking industry since 1994. Currently, I am a Loan Officer at Pine Country Bank.”


Jennifer Burggraff

Jennifer Burggraff
Credit Analyst

320-632-9740
jennifer@pinecountrybank.com

“I have been with Pine Country Bank since November 2012. I was raised on my family’s century dairy farm near Bowlus, MN, in Morrison County. My time helping on the farm, participating in 4-H and serving as a Morrison County Dairy Princess helped develop my passion for and understanding of the agriculture industry. I graduated from Royalton High School and attended the University of Minnesota-Twin Cities, where I received a Bachelor of Science Degree in Animal Science, Pre-Veterinary Medicine. Following college, I worked as a journalist for the Dairy Star Newspaper. My family and I also farm and operate a chicken barn.”

Chad Van Beck

Chad Van Beck
Senior Lender

320-393-4200
chadv@pinecountrybank.com

“I have 24 years of financial experience in the area and started as an intern, holding several positions including Senior Lender and Business Lending Manager overseeing a team of Lenders. I enjoy lending because I get to interact with people and be a part of their success.”


Erin Kulus

Erin Kulus
Credit Analyst & Lending

320-632-9740
erink@pinecountrybank.com

"I have over 10 years of financial experience and am well-versed in regulatory requirements, loan originations, and educating customers on the variety of loan products and available credit options. I grew up on a small dairy farm near Flensburg and currently live in Pierz. I enjoy horseback riding and photography, and spending time outdoors and with my family."

Andrew Geisenhof

Andrew Geisenhof

Royalton Branch
320-584-5522
andrew@pinecountrybank.com

Summers meant spending quality time at my grandparents’ hobby farm, located just west of Little Falls, MN. I learned that with farming, very rarely do things work out as planned. Problem solving and creative thinking often made the difference between a successful or not-successful day. I attended Little Falls Community High School and Saint John’s University, where I earned a Bachelor of Arts Degree in Economics. I enjoy being able to work with customers and find creative solutions for their financial aspirations.