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Arlen Kangas, Ph.D. President
Arlen Kangas served for two years as MMCDC’s business loan officer prior to assuming the role of company president in 1988. He led the expansion of MMCDC’s business lending portfolio, and development of its affordable housing construction and home mortgage lending programs, among others. A graduate of Bemidji State University, Kangas received his doctorate from Washington State University.
Experience: More than 20 years.
Points Of Interest: 2001 Distinguished Citizen Award from the City of Detroit Lakes, 2005 - recognized as a pioneer in CDC development by Rural Local Initiatives Support Corporation. |
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Steve Wiebolt V.P., Administration
Steve Wiebolt is responsible for all corporate and venture financial accounting. He also oversees the human resource function of the company. Prior to joining MMCDC, he worked as a business analyst and cost analyst for the White Earth Reservation Business Committee.
Points Of Interest: Prior to assuming his current position, Wiebolt was MMCDC's senior accountant. |
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Keith Kicker Chief Financial Officer
Keith Kicker came to MMCDC after serving as CFO of a bank. He began working at MMCDC in June 2000 and also serves as the Assistant Treasurer of CDC Bancshares Inc., a bank holding company in which MMCDC is a stockholder. His duties include budgeting, financial analysis, performance assessment and planning for improvement.
Points Of Interest: Since MMCDC is a regulated upper-tier bank holding company which is examined by the Federal Reserve, Kicker's combination of for-profit and nonprofit experience provides for an excellent combination. |
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Karen Neibert Accountant
Karen Neibert is responsible for accounts payable, cost accounting and monthly bank reconciliations. She is a graduate of the Minnesota School of Business and has previous experience as a loan processor and financial aid administrator.
Points Of Interest: Karen has four children and is originally from a small farming community in southwestern Minnesota. |
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Jamie Marks Erickson Development Officer
Jamie Marks Erickson assists in raising capital for MMCDC and its subsidiaries, primarily through grant applications. She also provides assistance in corporate communications, including public relations and marketing.
Points Of Interest: Erickson served as the editor of the Detroit Lakes newspapers for nine years. She is currently a member of the city council. |
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Britton Ramsey
Britton joined MMCDC in 2008 as administrative assistant. She has a degree from Minnesota State Community and Technical College in Business Management/Ownership and has six years of related experience.
Points of interest: Britton enjoys dance and teaches dance classes for youth of all ages. |
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Sarah Castro
Tax Site Administrator
Among her duties for MMCDC, Sarah Castro is the tax site administrator for the company's Volunteer Income Tax Assistance service. She also secures trust funds for children and financial education for youth and adults.
Experience: More than five years.
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Rosy Hjermstad Housing Advocate
Rosy Hjermstad delivers homebuyer education classes and housing counseling on the White Earth Reservation and surrounding areas in Becker and Otter Tail counties. She is fluent in both English and Spanish and also has taught Spanish-language homebuyer education.
Points Of Interest: Hjermstad is a native of Venezuela. |
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John King Real Estate Manager
John King has worked in real estate management since 1998. His responsibilities include providing and implementing an asset management plan for all properties owned and/or managed by MMCDC. He also coordinates all single-family construction projects undertaken by Northwest Minnesota Housing Cooperative in which MMCDC serves as developer.
Points Of Interest: King is very active in the community. |
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Julia Nelmark Director, New Markets Tax Credit Program
Julia Nelmark manages all elements of MMCDC’s New Markets Tax Credit program and assists with the early-stage development of tax credit housing and other community projects. Before joining MMCDC, Nelmark spent time as a financial analyst for Amoco.
Points Of Interest: Nelmark earned her master's of management degree from Northwestern University. |
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Nicole Kirchner Loan Officer
Nicole Kirchner services and monitors commercial loans. She also monitors payment and insurance on MMCDC’s in-house first-mortgage pool. She has past experience in the banking industry.
Experience: More than 10 years.
Points of Interest: Nicole and her family are active in community softball, baseball and other programs. |
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Tim Swenson Loan Servicer
Tim Swenson's tasks and responsibilities are primarily related to the federal New Markets Tax Credit program.
Points Of Interest: After college, Swenson served as a business instructor at various high schools in the state of Minnesota prior to joining MMCDC. |
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Kathy Misson Vice President, Mortgage Lending, NMLS ID # 200106
Kathy Misson was hired in 1997 and has been responsible for building MMCDC’s mortgage volume since that time. She oversees underwriting, marketing and customer relations.
Experience: More than 30 years.
Points Of Interest: Several secondary market sources – US Bank, Chase and Minnesota Housing Finance Agency – have delegated underwriting authority to Misson due to her extensive experience. |
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Karen Larson Mortgage Underwriter, NMLS ID # 743033
Karen Larson was hired in 1999 as loan officer and underwriter. Her experience in the mortgage services industry includes processing, funding, closing, originating and underwriting loans.
Experience: More than 20 years.
Points Of Interest: Larson has delegated underwriting authority from several secondary market financing sources. |
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Christy Clark Accountant
Christy Clark has been employed in various aspects of the lending industry since 1991. She served as a mortgage loan processor for MMCDC prior to transferring into the business office, where she performs accounting functions primarily related to the New Markets Tax Credit program.
Experience: More than 15 years.
Points of Interest: Christy and her husband, Al, have five children and operate their own construction business. |
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Angie Schute Mortgage Loan Processor, NMLS ID # 743032
As a mortgage loan processor, Angie greets walk-in customers, maintains loan files, updates various reports reviewed by management and directors, and conducts customer surveys and customer outreach.
Experience: Angie began working in the finance industry in 2008.
Points of Interest: Angie coaches the Junior Varsity Softball Team for Frazee-Vergas Public Schools. |
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