"I enjoy working with the people at UBB Lending. There's been a consistency within the organization, which tells me it must be a pretty good place to work because they both retain and recruit good people."
Bernie Gaytko

President & CEO, First National Bank, Waseca, Minnesota

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Our Team

UBB Lenders: The Right Experience in Any Economy

Our experienced lenders have written credits of all sizes in just about every field - and at every point in the business cycle. They know community banks from the inside out, and their commitment to your credit needs exemplifies our founding mission: to be the bank for banks and to contribute to your bank's success - not compete for your customers.

Take a minute to meet our team, and you'll soon see why we say UBB is First for Your Success:

Kevin W. Bostrom, Senior Vice President/Chief Credit Officer

Kevin manages UBB's credit department, including all lending and credit card services. An experienced community banker when he joined UBB in 1986, Kevin now has more than 30 years of banking experience and is an expert in bank stock lending, participations and a wide variety of credits. He has a bachelor's degree from Concordia College and extensive continuing education experience from leading lending academies, banking schools and professional seminars.

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Conrad M. Newburgh, Vice President, Senior Credit Officer

Conrad logged 30 years of commercial banking experience - 18 as a line lender and 12 in management - before he joined UBB in 2008. He has a Master in Business Administration in finance from the University of St. Thomas, a Master of Arts degree from Michigan State University, and a bachelor's degree from the University of Minnesota. He has also completed Risk Management Association coursework in UCA and taught commercial lending at the American Institute of Banking.

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Dawn Tollefsrud, Vice President, Credit Administration Manager

Dawn's commercial lending experience at UBB is focused in overline participations and bank stock loans. She joined UBB in 1998 with extensive experience in consumer lending and credit card program administration. She has a bachelor's degree in business from the University of Wisconsin and is a graduate of the Risk Management Association's commercial lending academy.

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Todd Holzwarth, Vice President-Lending, North Dakota and South Dakota

Todd specializes in overline participations and bank stock lending. As part of our commitment to local customer service, Todd is based in Sioux Falls, S.D., where he serves community bankers in North and South Dakota. He came to UBB with 15 years of experience in banking, insurance and financial services when he joined us in 2008. Todd has a Master of Business Administration degree from the University of South Dakota and is licensed in life insurance and property & casualty insurance. He also earned a bachelor's degree from Black Hills State University.

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Bill Salmonson, Vice President Nebraska and Iowa

Bill focuses on participations, bank stock loans and new business development for bankers in Nebraska and Iowa from his base in Omaha. He was a lender with 14 years of experience in Midwestern community banks when he joined UBB in 2007. He has a bachelor's degree in business administration from the University of Nebraska and has completed commercial lending and bank compliance coursework at the graduate schools of banking. Bill has also been an instructor at the American Institute of Banking.

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Jack Youngberg, Vice President

Jack joined UBB in 2005 with extensive industry experience, including work as a regulator, risk manager, credit department manager and chief credit officer. An expert in bank stock lending at UBB, Jack has a Master in Business Administration from the University of South Dakota and a bachelor's degree from South Dakota State University. He has also taught lending and banking courses for the Minnesota Bankers Association, the American Institute of Banking, the South Dakota Bankers Association and the University of South Dakota.

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Ed Janssen, Vice President

Ed Janssen joined UBB Lending in 2009 with a wide variety of business and banking experiences. Most recently he worked with Marquette Business Credit as an account officer providing asset-based lending products to a nationwide client base. Ed's entrepreneurial background includes co-ownership of CJ Marketing, Inc., a manufacturers' rep firm that marketed home products to large retailers. He graduated from the credit training program at Wells Fargo before doing a 10-year stint in commercial lending. Ed's educational background also includes a Bachelor of Science degree from St. Thomas University in St. Paul.

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Tony Girard, Vice President

Tony joined UBB in 2006 and has extensive experience with various types of commercial lending, including bank stock loans and overline participations.  With a well-rounded credit background, community banking has been a focus throughout his career.  His educational background includes a Bachelor of Arts degree in Economics from St. John's University, Master of Business Administration from the University of St. Thomas, and substantial coursework with the Risk Management Association.

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Steve Beuning, Assistant Vice President, Commercial Lending Officer

Steve joined UBB in 2011 after previously working for a private bank in the Twin Cities.  He has a well-rounded credit background with 5 years of experience in credit administration.  Prior to his banking career, Steve worked for the United States Olympic Committee in Colorado Springs, CO.  His educational background includes a Bachelor degree from Labovitz School of Business at the University of Minnesota-Duluth and a Master of Sports Administration degree from North Dakota State University. Steve is also a graduate of the MBA School of Commercial Lending, and has completed coursework from the MBA and RMA. 

Steve is a 5th generation community banker.  His great-grandfather (Ben DuBois) was a founder of the ICBA and his grandfather (Pat DuBois) a former president.

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