Jeff Atkinson, Commercial Loan Officer Clinton Main Office 122 Main Avenue, Clinton, IA 52732 Phone: 563-242-9111 ext. 635                  Fax: 563-242-9197 Email:  jatkinson@sterlingfederal.com  Jeff has been a loan officer with Sterling Federal Bank for 10 years, and has over 17 years of lending experience.  Whether it is the purchase of a home, rental property, commercial real estate, business equipment or a vehicle, Jeff can meet your borrowing needs and help you realize your financial goals.
	Lloyd Henry, Loan Officer-Office Manager Rock Falls Branch 821 First Avenue, Rock Falls, IL 61071 Phone:    815-626-0614                         Voicemail: 815-622-3413 Fax:  815-626-8247                                Email: lhenry@sterlingfederal.com   I have been with Sterling Federal Bank since 1980 and have 30 years experience in Real Estate Lending.  My office is located in our Rock Falls Branch, where I serve as Loan Officer and Branch Manager. My real estate lending experience includes purchases, equity loans, construction loans, refinancing and home improvement loans.  We offer in-house loan products, as well as secondary market, Rural Development, and Tri County Loans. A recent addition is a Reverse Mortgage Product. I am also experienced in auto, truck and recreational vehicle loans.  If local servicing and personal contact is an important issue to you, please contact me
	Sandi Ivey, Senior Loan Officer Sterling Main Office 110 East 4th Street, Sterling, IL 61081 Phone:    815-626-0614                         Voicemail: 815-622-3368 Fax: 815-626-8758                 Email:  sivey@sterlingfederal.com   Sandi Ivey is the Senior Loan Officer at Sterling Federal Bank.  She has over 17 years of banking experience in the Sauk Valley area.   Her experience includes Home mortgages, commercial loans, home equity loans, consumer loans and Construction Loans. Purchasing a home can sometimes be complex and overwhelming.  Sandi makes the lending process simple and enjoyable for her customers.  She will work with you from the pre-approval stage right up to the closing. An active member of the community Sandi serves on the Sterling School’s Foundation board.  She is a volunteer for the CGH Health Foundation Annual Appeal, Hospice of the Rock River Valley and Emerald Hill Women’s Golf Association.  She is often spotted on the golf course or riding her Harley.  Sandi resides in Sterling with her husband, Danny.
	Deb Ketelsen, Loan Officer Clinton 7th Avenue 247 7th Avenue South, Clinton, IA 52732 Phone: 563-242-9111 ext. 251              Fax: 563-242-9919 Email:  dketelsen@sterlingfederal.com   Deb has been a loan officer with Sterling Federal for over 10 years with over 20 years lending experience.  Her knowledge and expertise in mortgage and consumer lending can help make your dreams a reality.
	Denise McPherson, Loan Officer Dixon North Branch 413 North Galena Avenue, Dixon, IL 61021 Phone:    815-288-3327                         Voicemail: 815-622-3308 Fax: 815-288-5068                 Email:  dmcpherson@sterlingfederal.com   Denise joined Sterling Federal Bank at the Dixon North branch in 2001 and has over 11 years experience in the banking profession.  She specializes in both consumer and mortgage loans, making it easy for her customers to finance the purchase of a new home or investment property, a construction loan, refinancing an existing mortgage or an auto loan.  She brings her extensive knowledge and experience to help you find the best loan for your needs while making the application and loan process easy for her customers.  Many of her clients return to her when relocating or refinancing because of the excellent customer service they receive. Denise resides in Sterling with her husband and children and is an active member of the Dixon Rotary Club.  She looks forward to assisting you with your financial needs.
	Diane Metzler, Loan Officer Dixon South Branch 402 South Galena Avenue, Dixon, IL 61021 Phone: 815-288-3327                            Voicemail: 815-622-3421 Fax: 815-288-3330                 Email:  dmetzler@sterlingfederal.com   Diane Metzler has recently transferred from Sterling Federal’s main office to our Dixon South location.  Utilizing her accounting background, she will make a logical and friendly decision in determining the best choice for your consumer or mortgage needs.
	Linda Murray, Loan Officer Sterling Main Office 110 East 4th Street, Sterling, IL 61081 Phone:    815-626-0614                         Voicemail: 815-622-3369 Fax: 815-626-8758                 Email:  lmurray@sterlingfederal.com   I have been assisting customers at Sterling Federal with mortgage and consumer loans since 2004.  As a Mortgage Loan Officer I pride myself on my ability to give my customers the best lending solution to meet their needs.  My goal is to deliver a fast, easy mortgage experience for my customers. I reside in Rock Falls with my husband and children.  I am very active in my church, community, and I serve as Treasurer for the Rock Falls Athletic Boosters.  I especially enjoy my children and grandchildren’s school activities.  I look forward to working with you!
	Darlene Smith, Branch Manger-Loan Officer Morrison Branch 410 East Lincolnway, Morrison, IL 61270 Phone: 815-772-7256                            Fax: 815-772-3161 Email:   dsmith@sterlingfederal.com   I have lived in Morrison since 1977 and worked for the bank since 1983 as a teller, customer service representative, and currently Branch Manager/Loan Officer. I am active in the community serving on the Morrison Chamber Board, member of the Hospital Auxiliary, and long time Sunday school teacher.  My goal is to give each customer the best possible service and help them understand the mortgage process. I have been doing mortgage and consumer lending since 1991.  I have experience in many types of financing programs, and work closely with local realty and law offices