and see the bigger picture. Scott Hoerth, our chief lending officer and my supervisor, has helped me grow in underwriting, standards and compliance. Sherry Bailey, our office coordinator, showed me how much a positive attitude and genuine personal connections matter. Customers know her by name, and she knows their families, their work and what is happening in their lives. How do you build trust with customers and maintain strong relationships? Preparation and timeliness. You’re dealing with people’s finances, and that can be stressful. Showing up prepared, knowing what you’re talking about and responding efficiently can prevent frustration for both the customer and the banker. I’ve also learned that if you don’t know an answer, say you’ll look into it and follow up. Don’t guess; guessing only pushes you into a corner. How do community banks strengthen Montana communities? Community banks keep decisions local. Three Rivers Bank serves the Flathead Valley through three branches — two in Kalispell and one in Whitefish — so we’re closely connected to the people who live here. A community bank doesn’t serve the community from a distance; it is part of the community. What aspect of community banking are you most passionate about? The community involvement. Three Rivers Bank supports local school programs, including the Highlander Track program, a free, nonprofit initiative that gives younger kids the opportunity to participate in track. I serve as treasurer on its board. That work is especially meaningful because I ran in the Highlander as a child. About 20 years later, I’m helping keep the program going so another generation can have the same amazing experience. It’s a full circle. What motivates you to invest your time beyond the bank? It comes from wanting to help other people. I’ve always considered myself a caring person, and banking — especially lending — lets me put that instinct to use. Whether someone is building a business, supporting a family or pursuing another goal, I can help them identify what they need and work toward success. How has community involvement made you a better banker? It has shown me that knowing people personally makes conversations easier and more meaningful. Once you understand what someone cares about, you begin to understand what motivates them. That helps you see what they are trying to accomplish and how, as a banker, you may be able to help. What are you most proud of so far in your career? Along with the Highlander program, I’m proud of the attitude I bring to work. If I’m having a bad morning, I try to leave it at the door. I want to be someone who coworkers can smile and laugh with, feel comfortable around and come to with questions. Skills and knowledge matter, but the way you show up affects everyone around you. What goals are you pursuing in the next phase of your career? Long-term, I would like to move into a management or leadership position within the bank, although I don’t have a set timeline. In the short term, my focus is on becoming a better loan officer: building my knowledge, growing as a banker and becoming a more reliable resource when people come to me. What opportunities do you see for the next generation of community bankers? New technology creates a unique opportunity. Customers will still want the personal touch of a banker, but they will Community Banker 13
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