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Our Business Lenders.

Julie Olson, Business Lender

Julie Olson

Hi, I'm Julie. Coming to you with nearly 25 years of financial institution experience and as a native to Upper Michigan, I promise to craft and offer a dynamic solution to help you reach your business goals. I thoroughly enjoy developing a deep understanding of my client's financial position and working with them to provide local funding. In my free time, you can find me biking, taking long walks with my dog, and spending time with my family.
Nick Kries, Business Lender

Nick Kreis


Hi, I'm Nick. I work with members by listening and learning, then plan and propose how to achieve their business goals. The power of locally funded loans, decisions, and service allow me to deliver an unmatched experience. I take pride in tailoring each relationship to fit the member's needs and eliminate any "cookie-cutter" approach, as no two businesses or business owners are alike.

A close up photo of Terry Garceau

Terry Garceau


Hi, I'm Terry, and with over 30 years of financial institution experience, I'm ready to work with you to help achieve your business goals. I've lived in the Upper Peninsula my entire life. Because Embers is headquartered and managed locally, we can understand your needs and respond quickly with the highest level of service! We value our relationships with our Members, and we're here for you to provide great options to help you be successful. Please let us know how we can help you!

Matt Nord, Chief Lending Officer

Matt Nord

Hi, I'm Matt. Like Embers Credit Union, I was born and raised in the Upper Peninsula and have an understanding of what UP businesses need to thrive. To be successful in business, it is typically because of the following three things, being the first to market, the best/highest quality, and being the most cost-effective. At Embers, we are ALL THREE! We get the closing table quickly, provide market-leading customer service, and highly competitive rates and structure. Our team welcomes the opportunity to show current and prospective members what makes us different.