Proudly Serving Our Communities
We’re more than just someone standing on the other side of the counter, a person seated behind a desk, a voice on the phone. We’re your neighbors, and we can’t wait to help you meet your financial goals.
Executive Team
Meet Timothy R. Kluender
President / CEO
Tim has served in nearly every role of a community bank over the past 32 years. As President/Chief Executive Officer and a member of the Board of Directors of WCF since April 26, 2021, he is responsible for the daily activities and performance of the bank, including managing the bank’s Executive Team, and is the primary point of contact for shareholders. His banking philosophy is simple. “I pride myself on frequently visiting with all members of the bank staff and getting to know them on a personal level. My approach is to hire the best bankers possible and ensure they have the relevant training, tools, and financial products to perform their jobs at a high level. This allows them to flourish professionally while focusing on providing our customers with excellent service.” Tim is a graduate of Simpson College (Indianola, Iowa) and the Graduate School of Banking at the University of Wisconsin-Madison. His hobbies include travel and following University of Iowa Hawkeye athletics. He is actively involved with St. Paul Lutheran Church in Webster City, serving in leadership positions and volunteering with the church’s local food pantry.
Meet Todd R. Cordes
Executive Vice President / Chief Information Security Officer
Todd brings more than three decades of community banking experience to his role as EVP and Chief Information Security Officer at WCF. He leads the bank’s efforts in information security, IT infrastructure, and physical security, ensuring the safety and resilience of both digital and physical assets. Todd is a thoughtful leader who cares about people, believes in mentoring, and knows how to keep things running smoothly. He’s known for his commitment to personalized service and a strong focus on operational excellence. He holds dual degrees from the University of Minnesota-Duluth and maintains several professional designations, including National Check Professional (NCP), Accredited ACH Professional (AAP), and Accredited Payments Risk Professional (APRP). Todd began his career as a teller in 1994 and has since served in six financial institutions, nearly all of them community-focused. A Minnesota native and father of two, Todd enjoys fishing, camping, hunting, and photography. He is also a trained Skywarn Storm Spotter and licensed HAM radio operator.
Meet Lisa Johnson
Senior Vice President / Chief Operations Officer / Human Resources Director
Lisa Johnson joined WCF Financial Bank in 2021 and brings a wealth of experience across banking operations, trust services, audit, asset liability management, and finance. As SVP and COO, Lisa is known for her sharp focus, strategic mindset, and unwavering dedication to the bank, our team, and our shareholders. An Iowa native and proud Iowa State University alum, Lisa blends her professional drive with a love for adventure. When she’s not leading operational excellence, she enjoys traveling and spending quality time with her husband and two daughters.
Meet Michelle Zahn
Senior Vice President / Chief Financial Officer
Michelle brings over 20 years of banking experience to WCF Financial Bank, where she serves as Chief Financial Officer. Her career began in public accounting, spending 4½ years as an auditor and tax preparer before transitioning into the banking world. With deep expertise in finance and operations, Michelle plays a key role in guiding the bank’s financial strategy and performance. She earned her bachelor’s degree from Simpson College and is a Certified Public Accountant (CPA). Outside of work, Michelle enjoys life with her two sons—both proud University of Iowa graduates—and her two dogs who keep things lively at home.
Meet Kelly J. Smith
Senior Vice President / Tama Market President / Senior Loan Officer
Kelly has served within the banking industry for the past 26 years, performing all aspects of lending and managing banking functions. He currently serves WCF in a variety of roles, including senior vice president as well as market president and senior loan officer for Tama/Toledo operations. Kelly earned a bachelor’s degree in finance at Buena Vista University and a master’s degree from the Graduate School of Banking in Madison, Wisconsin. He is a part of the Region 6 Housing Trust Board. He enjoys spending time with family and friends, golfing, hunting and doing just about anything outdoors.
Meet Stephanie Christian
Senior Vice President / Independence Market President
Stephanie began her career with WCF Financial Bank in 2002 while attending Webster City High School. Over the years, she has held a variety of roles, starting in the Webster City office before transitioning to the Independence branch. Today, she serves as Market President in Independence and is a key member of the bank’s Executive Team, responsible for leading growth initiatives and overseeing operations in that market. A dedicated lender and mentor, Stephanie plays a vital role in employee development and training across the organization. She earned her Bachelor’s Degree in Business Administration from Buena Vista University and later completed the Graduate School of Banking at the University of Wisconsin–Madison. Her commitment to leadership excellence is further reflected in her certifications from the Wisconsin School of Business and the Iowa Bankers Association. In 2021, Stephanie was recognized as one of six recipients of BankBeat Magazine’s prestigious Outstanding Women in Banking award. She and her husband reside in Independence, where they are actively involved in their children’s activities and community service, including her role as Treasurer for Relay for Life.
More Team Members
Meet Brad Cheyne
Vice President / Lending
With 6 years of insurance experience, 7 years in business and 15 years in banking under his belt, Brad is well-positioned to serve WCF’s clients as vice president of lending. A self-described straight talker, he is committed to making the lending process efficient and smooth. Brad earned a bachelor’s degree in finance and mathematics from Loras College. He pitched for men’s fastpitch softball for 20 years, including at the world tournament in Eau Claire, Wisconsin. When he’s not busy with work, you might find him in a duck blind or out fishing with his two beautiful children.
Meet Julie E. Olmstead
Assistant Vice President / Lending
Julie began her career with Webster City Federal in 1998 as a teller and has built a long-standing career in banking ever since. With nearly three decades of experience across many areas of the bank, she continues to bring dedication and heart to everything she does. While the industry has evolved over the years, Julie’s passion for helping others has remained a constant. A lifelong resident of Webster City, Julie lives there with her husband, Dale. She’s the proud mother of two grown sons, Nicholas and Brett, and a proud grandma to her grandson, Reed. Julie is an active member of St. Thomas Aquinas Catholic Church and serves her ministry in many meaningful ways. In her free time, she enjoys running, biking, skiing, and spending quality time with family and friends.
Meet Sheila Scott
Assistant Vice President / Customer Service Representative
Sheila holds the distinguished honor of being WCF Financial Bank’s longest-serving team member, with over 45 years of dedicated service. A graduate of Iowa Central Community College’s one-year secretarial and clerical program, Sheila has built a career defined by expertise, consistency, and care. She specializes in assisting customers with IRAs, certificates of deposit, and wire transfers, and is known for her deep knowledge and personal approach. Over the decades, Sheila has formed lasting relationships with customers and colleagues at the Webster City branch—connections she continues to treasure. Her warm demeanor and commitment to service have made her a cornerstone of the WCF experience. Outside of work, Sheila leads a full and active life. She has been happily married for more than 35 years and is a proud mother of two and grandmother of one. She enjoys camping, riding motorcycles with her husband, reading, crocheting, and quilting. Sheila is also an active member of Trinity Lutheran Church, where she participates in the Bell Choir and Alter Guild.
Meet Emily Ely
Assistant Vice President / Marketing Officer and Human Resources Assistant
Emily has been part of the WCF Financial Bank family since 2018, bringing creativity, care, and a strong customer focus to her dual role in marketing and human resources. With an Associate degree in Business Administration and Management, she’s passionate about building connections—whether it’s through community outreach or supporting her fellow team members. When she’s not at work, Emily enjoys spending time outdoors with her husband, their daughter, and their dogs. She enjoys camping, spending time in Okoboji, riding side-by-sides, and making memories with friends and family.
Meet Shannon Rhoades
Assistant Vice President / Operations Officer
Shannon joined WCF in 2024, bringing over 25 years of experience in the financial industry. Passionate about helping others, Shannon is inspired by the many people she has met throughout her career. She resides in central Iowa, with her dog Rocky, and enjoys weekends at her hobby farm in southern Minnesota. Shannon is an active member of Vibrant Life Assembly of God Church and volunteers with Raise the Bar Initiative. In her free time, she loves outdoor activities and spending time with family and friends.
Meet Nick Hadfield
Assistant Vice President/
Nick exemplifies commitment to both professional growth and community engagement. As the Director of Credit Administration, he brings valuable expertise in CECL analysis and crafting impactful board presentations. Nick’s foundation includes a double major in Marketing and Management from Iowa State University. His Certified Community Bank Credit Analyst (CCBCA) designation further showcases his continuous pursuit of learning. He is a driving force in improving operations through new procedures and guidance. Outside the office, Nick is an active and contributing member of the Independence community.
Meet Catlin Klotzbach
Ag/
Catlin brings a strong agricultural background and years of leadership experience to his role as Ag and Commercial Loan Officer at WCF. He works closely with ag producers and business clients to develop lasting relationships, analyze financials, and support a full range of business banking products. Catlin also assists with deposit services and is committed to helping clients manage risk and grow their operations. Raised on a first-generation family farm northeast of Independence, Catlin understands the challenges and rewards of ag life. His career began in ag retail, where he advanced through several leadership roles at IAS, eventually managing multiple locations and helping implement a centralized agronomy dispatch system. In 2021, he was promoted to lead the new Masonville greenfield site, consolidating operations across three locations. Since joining the bank in June 2025, Catlin has brought the same customer-first mindset to lending that guided his success in ag retail. He believes banking should feel like a partnership—when clients thrive, so does the bank and the community. Catlin lives just half a mile from the family farm with his wife Kaity and their five children: Nolan, Lydia, Vicki, Everly, and Preston. He enjoys live music, hiking, family vacations, and helping on the farm alongside his dad, brother-in-law, and son.
Meet Jenn Thiessen
Assistant Vice President / Compliance Officer
With 13 years in banking and 10 years of loan processing under her belt, Jenn is well positioned to serve Tama customers. In addition to serving as a Mortgage Loan Processor, she assists in new accounts and teller duties — which means she can assist just about anyone who walks in the door! A graduate of Marshalltown Community College, Jenn also holds professional designations from Iowa Bankers Consumer Credit School and Iowa Bankers Lending Compliance School. She keeps connected to the community through a variety of organizations, such as Toledo Wieting Theater and South Tama Archery, and volunteers for a number of local organizations, including Kids’ Corner Daycare, Kids’ Corner Fundraising Committee and Tama-Toledo Chamber of Commerce.
Meet Brooke A Yuska
Assistant Vice President / Head Teller-Tama
Brooke A. Yuska has dedicated over two decades to mastering the art of customer service, with a passion for excellence and a genuine desire to meet and exceed the needs of those she serves. A proud graduate of Kirkwood Community College, Brooke earned her associate degree in Legal Administrative Assistance, laying a strong foundation for her impressive career in customer service. Her journey is highlighted by a 15-year tenure in the banking sector, where she excelled as an Assistant Cashier/Head Teller. Beyond her professional achievements, Brooke's heart truly lies in the joys of family life and community involvement. She cherishes time spent with her family, whether it's vacationing together or supporting her children in their sports activities. Brooke's commitment to her community extends beyond her professional duties as she actively volunteers, contributing her time and talents to make a positive impact.
Meet Dahiana Puentes
Customer Service Representative
A graduate of South Tama High School, Dahiana has spent much of her career in the customer service field. Most recently she helped the Tama/Toledo residents with their insurance needs. Approaching customers with a friendly smile and providing them with a positive experience is very important to Dahiana. In her free time, Dahiana enjoys being with her family.
Meet Kailee Meek
Customer Service Representative
Kailee Meek embarked on her professional journey in the banking sector with a robust foundation, spending a year at a bank where she honed her skills in various roles. During her time there, Kailee not only excelled at opening new accounts and operating as a teller but also demonstrated a keen aptitude for customer service by adeptly handling phone inquiries and assisting clients with online banking issues. Outside the bank, Kailee's life is deeply rooted in her close-knit family and community involvement, particularly in the realm of sports. As the second of four girls, her family ties are strong, often found coaching or supporting her sisters in the South Tama's AAU volleyball program. Her commitment to family and community is evident, as her free time is invariably spent with her sisters, her nephew, or her beloved dog, Nova. Despite starting her higher education journey at the University of Northern Iowa with a focus on elementary education, Kailee's path led her back home, where she transitioned into a promising career in banking, melding her personal values with her professional aspirations.
Meet Carol Smith
Sr. Loan Processor / Customer Service Representative
Carol was born and raised in Independence and earned her Associates Degree from Hawkeye Community College as an Executive Secretary major. She has spent her entire 26 year career as a banker which includes experience as a teller, consumer and commercial loan processor, and commercial banking assistant. She joined the WCF team in Independence in 2022 and serves as a Senior Loan Processor/Internal Loan Auditor. In her free time Carol enjoys spending time with her adult daughter, son-in-law, and their six pets. She and her husband love to fish the Mississippi River, ride and take trips on their motorcycles, and spoil their own dog, 12 year old Nugget.
Meet Jill N. Price
Loan Processor / Customer Service Representative
Jill is a friendly and familiar face at WCF's Independence branch, where she provides a wide range of services with a personal touch. Whether she's processing and funding loans, managing escrow accounts, or performing teller duties, Jill always goes the extra mile to make her customers feel welcome and valued. Having grown up in Alaska and Iowa, Jill brings a unique perspective and a warm, approachable personality to every interaction. She genuinely enjoys getting to know the people she serves and believes in building lasting relationships based on trust, kindness, and exceptional service. Jill is a proud graduate of Iowa Falls-Alden High School.
Meet Jackie A. Reiff
Commercial Loan Processor / Customer Service Representative
Jackie’s journey with WCF began at the front lines—as a teller and customer service representative—where her friendly demeanor and dedication to helping others quickly made her a familiar and trusted face. Today, she brings that same energy and care to her role as a Commercial Loan Processor. Whether she’s organizing complex loan applications or walking clients through the details of commercial and agricultural financing, Jackie is all about making the process smooth, clear, and stress-free. She’s known for her ability to find solutions, answer questions before they’re even asked, and keep things moving forward with a smile. A proud University of Northern Iowa graduate, Jackie thrives on building lasting relationships and celebrating the wins—big and small—of the businesses and individuals she supports. For her, it’s not just about numbers and paperwork; it’s about helping people turn their ideas into reality.
Meet Kayla E. Kepler
Loan Processor / Customer Service Representative
A lifelong customer service professional, Kayla brings a warm, community-focused approach to her role as a Loan Processor and Customer Service Representative at the Webster City branch—serving the very community where she was raised. Since joining the bank in 2021, she’s been a go-to resource for customers navigating the loan process and day-to-day banking needs. Before stepping into banking, Kayla spent over a decade as a Restaurant General Manager, where she honed her skills in leadership, budgeting, and advertising—experience that now fuels her commitment to efficiency and exceptional service. Kayla is passionate about giving back and staying connected to her roots. Whether she’s volunteering locally or simply lending a helping hand, she embodies the bank’s values of community and care. Outside of work, you’ll likely find Kayla enjoying the outdoors—hiking, fishing (year-round!), golfing, or spending quality time with family and friends.
Meet Tricia Rose
Accountant / Customer Service Representative
Tricia is a Jewell native and a graduate of the South Hamilton High School. Tricia has spent much of her career in the accounting and customer service fields. In May of 2023, Tricia graduated from DMACC as an Accounting Specialist with certificates in Bookkeeping, Accounting, and Payroll. A proud grandparent, Tricia and her husband have two grown children. They enjoy relaxing at their timber lot, riding motorcycles, and spending time with their family.
Meet Kya L. Askvig
Operations Supervisor / Customer Service Representative
Kya brings a lifelong passion for customer service to her role at Webster City Federal. A proud graduate of Eagle Grove High School, she earned her Certified Nursing Assistant and Certified Medication Administration credentials from Iowa Central Community College before transitioning into the financial world. Since joining the bank, she’s continued to grow in her role, with over five years of service and counting. Whether she’s helping neighbors with their banking needs or lending a friendly ear, Kya’s commitment to care and connection shines through. She lives in Webster City with her husband and their two sons, and outside of work, she enjoys boating, camping, kayaking, and spending time outdoors with her family. She’s also a talented pianist and a Shotokan karate black belt—just as comfortable on the keys as she is in the dojo!
Meet Jeanine Nokes
Customer Service Representative
A Webster City High School graduate, Jeanine has spent much of her career in customer service. Jeanine enjoys helping her hometown residents with their financial transactions and ensuring that their needs are fully met. When not at WCF, Jeanine enjoys spending time with her family.
Meet Elizabeth Luna
Customer Service Representative
For the past three years, Elizabeth has been a friendly face at WCF Financial Bank, working as a Customer Service Representative. Whether it's answering everyday banking questions or handling teller transactions with ease, Elizabeth is always ready to help. Fluent in both Spanish and English, she also assists with translations—especially during home closings, which she finds incredibly rewarding. Outside of work, Elizabeth brings the same energy to her personal life. You’ll often find her jamming to music, exploring local parks on walks, or showing off her moves in Just Dance. She loves spending quality time with her younger siblings and cruising around town with her fiancé—windows down, music up! A creative at heart, Elizabeth plays the flute and is currently learning the art of nail design from home. Whether it’s helping customers or mastering a new skill, Elizabeth does it all with a smile.
Meet Anna Utrera-Greenfield
Customer Service Representative
I grew up in Kamrar, Iowa, a small town with a close-knit community. After completing my education at South Hamilton Community School District, I continued my studies at Iowa Central Community College, where I earned my Associate of Arts (AA) degree. Throughout my life, I’ve had the privilege of working in customer service roles, where I honed my communication skills and developed a deep understanding of meeting people’s needs. Additionally, I have extensive experience in cash handling, ensuring accuracy and efficiency in financial transactions. When I’m not working, I cherish spending quality time with family and friends, sharing stories and creating lasting memories.
Meet Chyne Neymeyer
Customer Service Representative
Chyne is a Customer Service Representative at WCF Financial Bank, where she has worked for over a year. She manages deposits, withdrawals, account openings (including CDs, checking, and savings), receptionist duties, and account updates—always with a focus on delivering excellent customer service. Though she attended Aplington-Parkersburg High School, Chyne lived in Ackley, Iowa during that time and now resides in Vincent. She studied Communications with a Business minor at Central College in Pella, gaining strong skills in interpersonal and intercultural communication. Her background in retail and customer service laid the foundation for her dedication to helping clients reach their financial goals. Outside of work, Chyne enjoys reading, baking, working on cars with her dad, and exploring trails with her fiancé and his daughter.
Meet Vivian Lopez-Mateos
Customer Service Representative
Vivian is a bilingual Customer Service Representative at WCF Financial Bank, assisting customers in both English and Spanish. Her responsibilities include opening and servicing checking accounts, savings accounts, and certificates of deposit, while delivering friendly and knowledgeable support. Prior to joining the bank, Vivian worked as a customer service representative at a hatchery, where she developed strong skills in managing inquiries and building positive customer relationships. Outside of her banking role, Vivian is passionate about the beauty industry. She provides lash extension and eyebrow waxing services with a focus on precision and client satisfaction. Her interests also include hair, nails, and makeup, reflecting her creative and detail-oriented nature.
Meet Shyann Brinkman
Customer Service Representative
Shyann supports the team as a Customer Service Representative, where she helps keep things running smoothly by handling scanning and filing to ensure everything stays organized. She recently earned her high school diploma through a K–12 online public school and is excited to be starting her professional journey. Outside of work, Shyann is a proud cat mom to three beloved companions—Pepsi, Fredrick, and Crush—who always keep life interesting.