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Meet the Lenders

Want to find a lender near you?  Click the county closest to your location:  Branch, Hillsdale, Calhoun, Kalamazoo, or St. Joseph

Branch County

Nick Grabowski

 

Nick Grabowski
First Vice President / Head of Commercial Lending
(517) 279-5552
ngrabowski@smb-t.com

Nick has been a member of the commercial lending team since 2003. He received his Bachelor of Business Administration from Grand Valley State University where he majored in finance, then continued his training by completing the Commercial Lending School program in Dallas, Texas.  Nick is focused on developing new client relationships while continuing to serve his existing customer base.  Under his leadership, our commercial lending team maintains a strong credit and lending philosophy.  

Doug Kiessling



Douglas Kiessling
Regional Vice President / Commercial Loan Manager
(517) 279-5536
dkiessling@smb-t.com

Doug joined Southern Michigan Bank & Trust in 1999, bringing 6 years of prior commercial lending experience to the team.  He received a bachelorís degree in economics from Hillsdale College.  He is well versed in lending to the commercial real estate, manufacturing, service and agricultural industries.  Dougís responsibilities include all functions related to commercial loan activity and business development for the Calhoun County region.

 

Tom Swoish

 

Tom Swoish
Regional Vice President / Commercial Loan Manager
(517) 279-5566
tswoish@smb-t.com

Tom joined Southern Michigan Bank & Trust in 2000, bringing a broad range of commercial banking experience and expertise.  Tom started his commercial lending career in 1987 with First of America Bank and gained further experience at 1st Source Bank before joining our team.  He earned dual Bachelor of Science degrees from Michigan State University and is a Dale Carnegie graduate.  Tomís responsibilities include all functions related to commercial loan activity and business development for the St. Joseph County region.

Sarah Headley

 

Sarah Headley
Vice President of Commercial Lending
(517) 279-5567
saheadley@smb-t.com

Sarah joined our commercial lending team in 2008, acquiring previous lending experience from Comerica Bank.  She earned her masterís degree from Walsh College and her Bachelor of Science in Business Administration from Central Michigan University where she majored in finance.  Sarah consistently focuses on developing new client relationships while effectively servicing the needs of current customers.

Adam Losinski



Adam Losinski
Commercial Loan Officer
(517) 279-5515
alosinski@smb-t.com

In 2012, Adam joined our commercial lending team. He began his career in 2008 with Southern Michigan Bank & Trust as a commercial credit analyst. He received his bachelor's degree from Western Michigan University. He enjoys working with small and family-owned businesses to meet their financing needs.

Jim Sobeske



Jim Sobeske
Vice President of Commercial Lending
(517) 279-5573
jsobeske@smb-t.com

Jim Sobeske is an experienced member of the commercial lending team, joining SMB&T with 27 years of prior banking experience in the Sturgis and Coldwater areas. He earned his bachelorís degree from Central Michigan University and an MBA from Western Michigan University with an emphasis in finance.  He specializes in developing long term relationships by offering tailored lending, cash management and business transition solutions.  

Greg Miller



Greg Miller
Vice President of Commercial Lending
(517) 279-5675
gmiller@smb-t.com

Greg joined the commercial lending team in 2013 after spending the previous 23 years in both public and private accounting.  He received his bachelorís degree in accounting from Western Michigan University.  Gregís responsibilities include focusing on developing new customer relationships and assisting with existing customers needs.

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Hillsdale County

Jay Williams

 

Jay Williams
Vice President of Commercial Lending
(517) 439-7498
jwilliams@smb-t.com

Jay Williams joined our commercial lending team in 2004 with 8 years of prior experience in the field at Fifth Third Bank and GreenStone Farm Credit Services. He earned his bachelorís degree in Agribusiness Management from Michigan State University.  Jay offers a depth of knowledge, especially when it comes to agricultural clients.  He personally owns and operates a farm, allowing him to stay in tune with the operational and financial challenges facing the agricultural industry.

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Calhoun County

Deb Davis



Deb Davis
Vice President of Commercial Lending
(269) 979-8822
debdavis@smb-t.com

Deb joined Southern Michigan Bank & Trust in 2007, coming to us from County National Bank where she served as second vice president and branch officer.  She earned her MBA from Western Michigan University and holds a bachelorís degree in Business Administration and Economics from Spring Arbor College.  Deb is located in the Battle Creek market and handles both commercial loans and residential real estate loans.

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Kalamazoo and St. Joseph Counties

Cassidy Munn

 

Cassidy Munn
AVP Loan Officer
(269) 279-3504
cmunn@smb-t.com

Cassidy joined Southern Michigan Bank & Trust in 2012.  She earned her bachelorís degree at Grand Valley State University and her masterís degree in management at Spring Arbor University.  Cassidy has maintained a focus on quality customer service and strong community relationships as she works with our residential and business customers.

Steve Todd

 

Steve Todd
Vice President of Commercial Lending
(269) 279-3505
stodd@smb-t.com

Steve joined the commercial lending team in 2013.  He comes to Southern with extensive experience, initially as a credit analyst, and most recently as First Vice President and Portfolio Manager at Michigan Commerce Bank in Portage.  He received his Finance and Economics degree from Western Michigan University.  Steve is focused on meeting the needs of clients within the Kalamazoo and St. Joseph county markets.

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All loans subject to credit approval.