Tom is a commercial real estate and C&I lender with 40 years lending experience. He earned his MBA in 2004, and pursued a Masters in Accountancy in 2011. He received an undergraduate degree in 1981 from Augustana College located in Sioux Falls, S.D., majoring in business administration. Tom has experience assisting clients with commercial real estate, C&I, agriculture, aviation, medical, manufacturing, franchise, and affluent lending. His primary strength is establishing long-term banking relationship and consistent delivery of banking products and services.