WCF Financial Bank Closed
All WCF offices will be closed on Monday, January 20, 2025 in observance of Martin Luther King, Jr. Day. All items processed after 5:00 PM on Friday, January 17th will post on Tuesday, January 21, 2025.
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
Timothy has served in nearly every role of a community bank over the past 28 years. As President and Chief Executive Officer of WCF, as well as a member of bank’s Board of Directors, he is responsible for the daily activities and financial performance of the bank and shareholder relations, while working closely with and managing members of the executive team. His secret to success: “I pride myself on frequently visiting with all members of the bank staff. 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, which allows them to flourish and provide our customers with excellent service without being micromanaged.” Timothy is a graduate of Simpson College and the Graduate School of Banking at the University of Wisconsin-Madison. His hobbies include travel (he has been to every U.S. state other than Alaska and many foreign countries) and following University of Iowa athletics (Go, Hawks!).
Meet Todd R. Cordes
Executive Vice President / Chief Information Security Officer
A wearer of many hats at WCF, Todd oversees retail operations, human resources, the bank’s IT network, information security and facilities. His motto is to treat everyone as an individual and teach others whenever possible. In addition to earning dual degrees from the University of Minnesota-Duluth, he also holds many professional designations, including National Check Professional (NCP), Accredited ACH Professional (AAP) and Accredited Payments Risk Professional (APRP). He began his career as a teller in 1994 and has worked for six financial organizations over the years, nearly all community banks. A Minnesota native, he describes himself as a “longsuffering MN sports fan.” The father of two young-adult daughters, Todd enjoys a variety of hobbies, such as 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 in 2021 as our Senior Vice President and Chief Financial Officer. She has multiple years of banking experience in the areas of operations, trust, audit, asset liability management and finance. She is driven by success and is dedicated to the bank, our employees, and our shareholders. Johnson is an Iowa native who graduated from Iowa State University. She enjoys traveling and spending time with her husband and two daughters.
Meet Michelle Zahn
Senior Vice President / Chief Financial Officer
After 4½ years as an auditor and tax preparer for public accounting firms, Michelle continued her career in finances, bringing a total of 19 years of banking experience to WCF. Today, she serves as WCF’s controller. Michelle earned a bachelor’s degree from Simpson College and is a certified public accountant (CPA). She has two sons — both of whom graduated from the University of Iowa — and two dogs.
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 joined the WCF team in 2002 while attending Webster City High School. She has held many roles during her career, beginning in the Webster City office before moving to the Independence branch. Today she is part of the bank’s Executive team and serves as the Market President in Independence with responsibilities for the growth and oversight of that office. She also is the bank’s Compliance Officer, a lender, and is instrumental in the bank’s employee training efforts. Upon graduation from Webster City High School, Steph earned a Bachelor’s Degree in Business Administration from Buena Vista University, and later completed the Graduate School of Banking at the University of Wisconsin-Madison. She earned additional certifications in Executive Leadership from the Wisconsin School of Business, as well as from the Iowa Bankers Association Compliance School. In 2021 Stephanie was honored as one of six recipients of the prestigious Bank Beat Magazine Outstanding Women in Banking. She and her husband live in Independence and are very involved in their children’s activities, and she serves as the Relay for Life Treasurer.
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 joined the bank as a teller in 1998. She has more than 23 years of experience in many aspects of banking with WCF. Even though the banking industry has changed over the years, the one thing that has not changed for Julie is her passion for helping others. She was born and raised in Webster City, where she resides with her husband, Dale. She has two grown sons, Nicholas and Brett. Julie belongs to St. Thomas Aquinas Catholic Church and serves her ministry in many ways. 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 honor of having served at WCF the longest - 42 years! She specializes in assisting customers with IRAs, CDs and wire transfers. She treasures the relationships she has formed at the Webster City branch. Sheila has been married for more than 30 years, the result of which are two children and one grandchild. She loves to go camping, riding with her husband on his motorcycle, reading, crocheting and quilting.
Meet Emily Ely
Assistant Vice President / Marketing Officer and Human Resources Assistant
As Operations Supervisor at WCF, Emily puts helping customers first. She earned an Associate degree in business administration and management. When she, her husband and their dog Remi aren’t camping, they are at the races, spending time with family and friends.
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 is a seasoned Credit Analyst with expertise in CECL analysis and crafting impactful board presentations. He graduated with a double major in Marketing and Management from Iowa State University, where he honed his analytical and strategic skills. Nick holds the Certified Community Bank Credit Analyst (CCBCA) designation, underscoring his commitment to professional excellence in financial analysis. With nearly 5 years of experience as a loan servicing specialist, he has been instrumental in training and coaching new employees, as well as pioneering procedural developments to streamline operations. Outside of work, Nick is an active member of the Independence community.
Meet Cody Heckenlaible
Assistant Vice President / Lending
Cody grew up on a small ranching operation in South Dakota, fostering a passion for agriculture that endures to this day. He earned a degree in ag business from South Dakota State University — where he also was a member of the Rodeo Team! Cody loves working alongside farmers to make their agribusinesses stronger and values the trust they place in him. “This trust factor, along with the high-level customer service I hold myself to, is what helps me build long-time relationships with my clients,” he said.
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 Lesa Haughey
Assistant Vice President / Lending
With 19 years of banking experience and the ability to help in all areas of the bank, Lesa can help Tama area customers with most all their banking needs. Lesa’s role is Customer Service meaning one may find her opening a new account, closing a loan, or processing a deposit for customers. Lesa earned her bachelor’s degree in banking and finance from Buena Vista University and holds a professional designation from the Iowa Bankers Consumer and Compliance School. She is active in her community through volunteering at the Wieting Theater. Lesa enjoys shopping, boating, skiing, and being active with her family and friends.
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 Gwen Upah
Customer Service Representative
Gwen joined the WCF family while completing her Business and Accounting degree at Buena Vista University. She fills a number of roles with WCF including helping customers with their banking transactions, opening new accounts, and assisting our loan officers. Gwen's upbeat and positive attitude makes the Tama office a welcoming place for customers and coworkers. When not at WCF you might find Gwen fishing, shopping, working out, or hanging out 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 provides a variety of services to customers at WCF’s Independence branch: processing and funding loans, handling escrow accounts, assisting with new accounts, performing teller duties and providing a broad range of customer service. She is a graduate of Iowa Falls-Alden High School and La’ James International College of Cosmetology.
Meet Jackie A. Reiff
Commercial Loan Processor / Customer Service Representative
Jackie started her WCF career as a teller and customer service representative. Today, the commercial loan processor prepares and organizes applications for all commercial loans and taps into her vast experience to assist customers in any other ways she can. Jackie earned a bachelor’s degree from the University of Northern Iowa.
Meet Kayla E. Kepler
Loan Processor / Customer Service Representative
A lifelong customer service professional, Kayla serves as a loan processor at the Webster City branch, which serves the community where she was raised.
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
An Eagle Grove High School graduate, Kya earned her Certified Nursing Assistant and Certified Medication Administration certifications from Iowa Central Community College. Kya has worked in customer service her entire life. When she’s not helping her neighbors with their financial needs at WCF, you might find her playing the piano or demonstrating her skills as a Shotokan karate blackbelt.
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
Elizabeth joined the WCF team in 2022 as a customer service representative in the Webster City office. She is a graduate of Hampton-Dumont High School. Elizabeth is bilingual and speaks fluent Spanish, and as such is a great asset in helping to foster and improve communications with the bank’s Hispanic customer base. In her free time Elizabeth enjoys spending time with her family and working on cars.
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
Born and raised in Parkersburg, Iowa, I am a proud graduate of Aplington-Parkersburg High School. After completing my education, I embarked on a career in retail and customer service, where I honed my interpersonal skills and learned the art of meeting people’s needs. Outside of work, I find solace in the pages of books, immersing myself in stories and ideas. My love for family adventures takes me on outings, creating cherished memories with loved ones. Additionally, I share a special bond with my dad, spending time on our farm, where we work on cars together.