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Meet the Lenders

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Want to find a lender near you?  Click the location closest to you: Branch County, Calhoun County, Hillsdale County, St. Joseph County or Angola, IN.


Branch County

Timothy Fox

Timothy Fox, AVP
NMLS #537399

Tim has been a member of the Southern Michigan Bank & Trust team since 2010, bringing four years of prior residential lending experience.  He received his Bachelor of Science in Business Administration from Central Michigan University where he majored in Accounting.  In 2013, Tim was appointed Branch Manager in Union City.  He is currently a member of the Coldwater Exchange Club where has served on its board and also as President of the club.  Timís responsibilities include all functions related to branch management and residential loan activity, as well as business development in Union City and surrounding areas.

DeAnne Hawley

DeAnne Hawley, AVP
NMLS #537397

DeAnne joined the team at Southern Michigan Bank & Trust in 2001.  She has over 20 years in the retail mortgage field.  DeAnne consistently focuses on finding the right mortgage product for her customers.  She enjoys the new home construction process and can easily relate to the many challenges associated with building.   DeAnne also likes working with first time home buyers and educating them towards being successful home owners.

Shari Kline

Shari Kline, AVP
NMLS #537398

Shari joined Southern Michigan Bank & Trust in 2002, bringing 6 ½ years of mortgage lending experience with her.  Since being at Southern, Shari has served the Hillsdale and Coldwater markets.  Shari holds an associateís degree from Jackson Community College.  She enjoys focusing on building lasting relationships with her customers, including members of the real estate business in both Branch and Hillsdale counties.

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Hillsdale County


Lori Lemmon, AVP
NMLS #537401

Lori joined Southern Michigan Bank & Trust mortgage lending team in 2010.  She started her banking career in 1986 and brings over 20 years of mortgage lending experience.  Lori credits customer service as being the foundation of her success.  She takes pride in her constant contact with her customers, realtors, and builders throughout the process.  Lori is located in our Hillsdale office to assist you with your mortgage needs.

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Calhoun County

Deb Davis

Deb Davis, VP
NMLS #537407

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 Bachelor of 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.

Diane Krimmel

Diane Krimmel, AVP
NMLS #537404

Diane Joined Southern Michigan Bank & Trust in 2006, bringing 9 years of banking and mortgage lending experience.  She received a Bachelor of Science Degree in Business Administration from Huron University, South Dakota.   Diane is located in our Marshall office and handles both residential real estate and consumer loans.

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St Joseph County

Cassidy Munn

Cassidy Munn, AVP
NMLS #447179

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

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Kristie Prater



Kristie Prater, AVP
NMLS #563218

Kristie has been in the financial services industry since 1977 and became a mortgage loan officer in 1992.  She supports northern Indiana, southern Michigan, western Ohio and surrounding areas.  Kristie is committed to customer service and will work with you to help get you into a product that meets your needs.

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All loans subject to credit approval.