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I am proud of any businesses that are cognizant of their need to get better; they seek help; they follow through with it. I enjoy being a part of that process.
– Jonathan Dolphin
Jonathan truly believes that business is personal and that solutions that respond to a business’s unique needs are first and foremost.
Being part of his family’s bank, with over 20 plus years in the industry, Jonathan currently serves as President/COO, and is responsible for the banks’ lending, specializing in small business lending and SBA lending programs. Jonathan feels consistency between both the lender and the borrower is essential to building a healthy relationship with clients.
Business clients seek his help as they look for opportunities to improve or when they need ideas to grow and thrive. Through this approach, businesses experience positive results relative to where they started.
With a strong commitment to the community and providing excellent customer service, Jonathan believes successful business banking relationships are built on trust and mutual respect.
In the beginning it was a handshake that sealed the deal and that is still true today at 21st Century Bank.
– Thomas Dolphin
As the Chief Executive Officer and Chairman of the Board, Tom’s role is to protect and monitor the mission of 21st Century Bank; eliciting a feeling of goodwill within all who know of us. His focus on safety and soundness, coupled with his leadership, ensures 21st Century Bank weathers economic tides, including the recent Great Recession.
Having been at the bank for more than 40 years, Tom has been an integral part of transforming 21st Century Bank from a small rural bank with $3M in assets to an urban financial network with more than $425M in assets. He attributes the significant growth to the ability of the 21st Century Bank team to know, anticipate and meet the needs of our current and potential customers.
What interests me the most about lending is working with smaller investors and helping them to grow. Knowledge of my field, quick decision making, and a willingness to look at other perspectives and approaches to doing things.
– Brian Fairchild
A dedicated member of the 21st Century Bank team since the spring of 2016, Brian offers 17 years of experience as a commercial loan officer for three institutions in the finance industry. He worked for a large regional bank with assets over $4 billion and a small community bank with $100 million in assets. Brian focuses on investment and commercial real estate, with a specialization in multi-family housing.
Brian has learned that taking the time to listen and answer every question is critical to achieving a customer’s financial goals.
Helping entrepreneurs chase their dreams and become business owners is what makes commercial lending so satisfying.
– Todd Van Wambeke
With an extensive background in commercial and SBA lending, Todd has been helping business owners solve complex problems through maximizing cash flow strategies and reducing interest costs for almost 20 years.
Todd specializes in manufacturing, commercial real estate, professional practices (wealth management firms, chiropractors, certified public accounts, attorneys), and non-profits. He takes pride in helping entrepreneurs become business owners. His goal is to ensure all financial and banking needs are addressed upfront while providing continuous and ongoing follow up to ensure the client’s needs are 150% met and satisfied.
Todd joined 21st Century Bank because he believes there is a commitment within the bank to ensure the financial prosperity of each customer and a team approach to providing timely solutions.
Reliability and availability. I am always available to my clients. They all have my cell number. A lender needs to be reliable. If you say you will do something, do it.
– Travis Jensen
With over 18 years in the financial industry, Travis has had the opportunity to work with a variety of businesses, and at all stages from start-up to seasoned companies. He believes it is important to maintain contact with your customers to ensure he can be that business/banking advisor. Travis came on-board with 21st Century Bank in December of 2017, to be a part of our expanded service in the east metro. He is looking forward to helping small businesses grow and prosper in the community.
Travis is a active member of River Heights Chamber of Commerce and sits on the Progress Plus board which helps new and established businesses bring new business to the River Heights area.
Make things happen. Don’t wait for good things to come along.
– Dustin O. Winter
With over 13 years as a business banker, Dustin has always enjoyed working with entrepreneurs. He feels open and timely communication is key to effectively building strong relationships. Having started his career with larger banks, Dustin made the strategic move to community banking finding that the flexibility and timeliness community banks can offer are invaluable to business owners. Dustin chose 21st Century Bank because, “it’s a forward thinking and growing bank with the necessary tools to perform my job at a high level of execution.
I ensure excellent customer service by understanding a customer’s business, the customer’s goals and being the bridge between the customer and the financial institution.
– Bryan J. Rogers
From start-ups to long-tenured companies, Bryan Rogers understands the unique challenges of today’s small businesses. Roger’s career spans across various roles within the banking industry giving him a solid understanding of the kinds of beneficial products and services needed by his customers. Building genuine relationships with a thoughtful approach has given him a solid foundation for success. Over the past 16 years, his focus has been in commercial lending, including SBA financing, one of the primary reasons he chose to join 21st Century Bank. Bryan is a member of http://www.dcrchamber.com/“>Dakota County Regional Chamber.
Not every situation fits within the ‘box.’ Real value comes from identifying the issue and thinking creatively about how best to administer solutions.
– Paul Poncin
Over his more than 25 years as a banker, Paul has witnessed a significant evolution in the business industry, and he continues to see opportunities that will change the industry going forward. It is those opportunities that continue to challenge him, making the banking industry a fun and creative place to work.
Paul values taking things step by step – building a foundation, and diversifying the business as much as possible. New opportunities will continue to emerge along with the uncertainty as to which path to choose. He feels that taking proper measures from the start, allows a business to adjust to those situations and best capitalize on opportunities when they present themselves.
Paul’s seasoned, common sense approach to unique challenges and his ability to define the issues and create actionable plans, are the values his clients appreciate the most.
Joining 21st Century Bank was exciting to me because the organization has a good reputation for its treatment of customers and employees, and has strong long-term growth plans.
– Rick Pankow
Rick has a wealth of knowledge and experience, serving as a bank CFO for more than 20 years. At 21st Century Bank, he is responsible for finance and accounting, regulatory oversight, and technology development and management.
Rick has worked in local community banks for more than 35 years, providing consulting services in the areas of mergers and acquisitions, strategy development and implementation, operational improvement and board governance.
Todd is currently the Senior Vice President of Credit and manages the credit and SBA departments for 21st Century Bank. In this role, he is responsible for credit quality for all new and existing relationships for commercial and SBA clients.
A seasoned financier with almost 20 years of commercial banking experience, Todd has held various positions including Credit Analyst, Commercial & SBA Lender, Special Assets Manager and SBA Director of Operations. Coupled with extensive experience, he possesses a strong knowledge of credit along with an understanding of the sales side of each transaction.
I like the challenge of structuring specific financing for each customer, as they are all unique.
– Tim Smith
Tim has a background in commercial real estate financing and knows that strong customer relationships are essential. He values getting the job done right, and on time, understanding that each client is unique.
With a focus on commercial real estate lending, he appreciates having the ability with 21st Century Bank to offer competitive products, quick decision making, and proper execution. Tim strives to provide customers with excellent service, options that are tailored to fit their needs, delivered on time as promised.
A customer can get banking services from so many places today. So I look at each loan transaction and each customer relationship with respect. If a customer chooses to do business here, I’m going to do everything in my power to ensure that the customer has a successful, positive experience and continues to bank with us.
– Thomas Dolphin Jr. Esq.
Tom has worked in his family’s bank, in several capacities for over 20 years. Before working full time at 21st Century Bank in 2006, he attended the University of St Thomas School of Law, obtaining a Juris Doctorate in 2006. He earned his Minnesota Real Estate Broker’s License in 2014 and is a member of the Minnesota State Bar Association, the Minneapolis Area Association of Realtors and the Minnesota Association of Realtors.
Tom works hard to meet the needs of customers with speed and accuracy. He understands that most businesses that work with 21st Century Bank are small to medium-sized businesses, and he takes their patronage seriously and with gratitude.
Each customer and prospective client has a goal or a dream. It’s my job to help them realize that goal or dream by leading them down the right financial path.
– Jeff Vranicar
Jeff has worked as a commercial lender and credit analyst before joining the 21st Century Bank. He specializes in investment real estate and small business/SBA loans.
During his 17 years in the banking industry, Jeff has learned that competence, trust, reliability, and clear communication of expectations allows the customer’s perspective to be better understood, inevitably enabling him to serve them more efficiently.
Jeff believes that customers have a plethora of choices when it comes to financing. At 21st Century Bank, we are taking that extra step, steering them in the right direction, as partners, not bankers.
I believe in never saying no to opportunity, and I was fortunate to find a company that encouraged me to take risks.
– Sarah Nelson
Recently celebrating 31 years of loyalty and commitment to 21st Century Bank, Sarah has extensive knowledge and experience in many diverse areas of banking, including compliance, CRA, operations, and audit.
Sarah provides leadership, coaching, and mentoring to peers and encourages teamwork with one common objective – the success of the employees, customers, shareholders and the community that comprise 21st Century Bank.
Over the years, Sarah has played a significant role in the growth and success of 21st Century Bank, partnering internally and externally to ensure everyone is working together towards the goal of making 21st Century Bank a trusted source for banking in the community.
Through strong communication and networking skills, I enjoy helping to ensure all aspects of a small business’ needs are met within this ever-changing business climate.
– Kraig Kliber
Kraig has over 10 years of SBA lending experience within the various SBA lending platforms. Specializing in commercial and industrial lending he is a highly experienced lender who focuses not only on the business of lending money, but on tailoring solutions to fit the ongoing needs of his customers.
Customers value and recognize Kraig’s attention to detail and personalized approach. His belief that you “never stop learning” and “listeners make for better students” help him to ensure all aspects of a small business’ needs are met within this ever-changing business climate. He is a main street lender, with a common sense, real-world approach.
Kraig is a member of Metro North Chamber of Commerce.
I approach customers with the intent of building a relationship with them and to help them reach their business goals.
– Ryan Sundeen
Ryan specializes in commercial and industrial business banking and enjoys working with a variety of businesses and helping them reach their goals.
He has worked in the banking industry for more than 15 years and joined 21st Century Bank because of its commitment to maintain a community bank approach. Customers value his honesty, hard work, and reliable communication.
Always provide realistic expectations. Don’t overpromise.
– Todd Klingl
For the past 25 years, Todd has provided financial solutions to business owners and helped them gain access to capital to grow their business. His direct and honest approach allows him to offer realistic fiscal expectations to customers.
He understands that to be a good banker, you need to understand your customers business. He uses an
in-depth knowledge approach to help his customers maximize efficiency in their daily operations.
Todd worked more than 14 years as a commercial lender and joined 21st Century Bank, because they compete with the other banks without the red tape.
I like working with everyday people who work hard for a living—especially manufacturers and farmers. I relate well to these groups because my father was both in manufacturing and farming.
– Jay Eull
Since 1992 Jay has helped mitigate and turn around financial challenges for individuals, manufacturers, and farmers as a commercial and consumer lender. Jay has a particular interest in serving individuals with financial issues and works to be a partner in helping their business become successful.
Jay strives to identify what a business is trying to accomplish and helps them understand the bank’s perspective while delivering the best financial solutions. He believes trust, understanding, and listening to customers are keys to a successful banking relationship.
I love to build relationships with my customers and find out why they do what they do. We are a perfect size bank to work with almost all small businesses and to take care of our customer’s needs.
– Blair Oklobzija
With a wealth of banking experience spanning almost 15 years, Blair is passionate about learning each business and helping tailor products and services to their needs. He specializes in professional practices and SBA lending.
Blair believes in creating the business package that makes sense for the customer, which ensures they have a relationship with 21st Century Bank and they are not just another transaction. He makes sure customers have direct access to him for anything they need, whether it be to transfer money or a new loan request.
Honesty, integrity and communication are key aspects of building great relationships with my customers.
– Gregg Klohn, CPA
Bringing a unique perspective to the 21st Century Bank team, Gregg has more than 20 years of business experience serving as a certified public accountant, chief financial officer for several corporations and a hotel general manager before coming on board in 2006.
Gregg has extensive experience in SBA lending and is resourceful in providing conventional financing options. He specializes in small business acquisitions, expansion of existing businesses, real estate purchases and debt consolidation of business loans. Gregg leans on his prior experience as a CPA and CFO, which give him insight into the customer’s side of their business, which most bankers do not have.
Gregg was instrumental in assisting small businesses during the recession when other lending organizations were not in a position to help. He prides himself on working with businesses when times are tough, not just when things are going smoothly.
Gregg is on the board and is an active member of the Minnesota Black Chamber of Commerce.
The thing I enjoy most is creating long-lasting relationships with local business owners and being one of the key aspects of their success.
– Isaac Sandberg
Before joining 21st Century Bank, Isaac worked as a business banker and commercial lender during his 13 years in the banking industry. Over the years, he has learned that trust and open communication are two of the most significant aspects of a productive long-term business banking relationship.
He feels 21st Century Bank is focused on building a team that brings out the greatest benefits to their customers, guiding them towards their short and long term goals, which is why he joined the bank in 2017.
Isaac, who has worked with a wide range of businesses, relies on honesty, follow through, and resourcefulness to guide customers in the most efficient way towards achieving both their short and long-term goals.
21st Century Bank has all the products and services to fit your needs as a national bank would offer, with a community bank approach.
– Sarah Jordahl
As a banker, Sarah brings over 22 years of industry experience, working all sides of retail and operations. She firmly believes that building trust and showing integrity are key to sustaining solid relationships with her customers. Sarah actively demonstrates a customer service orientation that makes her a leader in her role. She is also an active Board member of the Ham Lake Chamber of Commerce and active participant in annual events.
Keeping lines of communication open with customers fosters loyalty and creates a mutually beneficial financial relationship.
– Carol Whaley
Carol has been with 21st Century Bank nearly 20 years serving in several roles including a private banker, loan portfolio manager, and office manager. She understands that a community bank plays a role in ensuring the growth of small businesses. She is now part of a newly formed Business Banking Team, working directly with businesses to ensure they have the right products and services that fit their needs. Carol’s involvement goes beyond the office and into the community—as a volunteer, supporter, and participant in and around the areas we serve.
With patience, tenacity, and tailored services, Carol strives to build long-term relationships and gain the trust of customers through open communications and a positive attitude, ensuring customer satisfaction.