Ag/Commercial Lenders

Business & Ag

Your business partners

Focused on building relationships, our experienced team of lenders is standing by to work with you. Contact us for sophisticated financing solutions, competitive rates, and prompt, local decisions.

Charles City

Scott Smits
Scott A Smits Chief Lending Officer 641-257-1232 Cell: 641-426-6914 Email Scott

About Scott

Before working with First Security, Scott worked in Mankato, Minnesota for a small community bank as the Chief Credit Officer. Additionally, Scott has worked as Chief Risk Officer, Banking Consultant, and Credit Analyst for organizations in Chicago, Illinois, and on both the East and West Coasts.

Outside of his profession, Scott is dedicated to his family and his community. He and his wife of 37 years have four daughters living throughout the country. They enjoy traveling to see their children and volunteering for organizations like United Way and Partners Worldwide.

Chris Corcoran
Chris Corcoran Ag Lending Manager Charles City 641-257-1282 Cell: 319-231-4700 Email Chris

About Chris

Chris brings over 25 years of expertise in lending and executive leadership to our team. He holds a bachelor’s degree in agriculture business and agriculture finance from Iowa State University. His banking education includes completing the Iowa Bankers Association’s Commercial Lending School, the Iowa School of Banking, and numerous advanced finance courses through Performance Trust University.

A firm believer in community involvement, Chris is active in several organizations, including Pheasants Forever and Redeemer Lutheran Church.

Outside of work, Chris enjoys spending quality time with his wife, Jessica, and their three children. Together, they make annual trips to the Mississippi River, where they enjoy outdoor activities and family time.

Andria Hillegas
Andria Hillegas Ag/Commercial Lender Charles City 641-257-1257 Cell: 641-426-6953 Email Andria

About Andria

Andria Hillegas started at the bank in 2016 as an Ag/Commercial Loan Processor and Servicing Clerk and full-time college student. Her educational background includes a bachelor's degree in business administration from Upper Iowa University and the Iowa Bankers Association’s (IBA) Commercial Lending School. Andria has received several promotions since her start at the bank including Loan Operations Specialist, Credit Analyst, and Loan Administrative Specialist. In 2023, she was promoted to Ag/Commercial Lender.

Andria enjoys spending time with her family and friends outside of work.

Drew Mitchell
Drew Mitchell Ag Lender Charles City 641-257-1223 Cell: 641-426-6293 Email Drew

About Drew

Drew Mitchell joined First Security in 2022 as a Credit Analyst. His educational background is in agriculture; he received a degree in Agriculture Business from Iowa State University. In 2023, Drew was promoted to Ag Lender after completing the Iowa Bankers Association’s (IBA) Intro to Commercial Lending School. In 2024, he completed his first year of IBA’s Ag Credit School.

Drew grew up on a farm near Charles City, IA, and throughout his childhood, he showed cattle through FFA and 4-H. He is still dedicated to his community as a member of the Floyd County Fair Board, as a coach for the Charles City high school football team, as a member of the Main St. Charles City Business Improvement Committee, and as a member of the Charles City Lion’s Club.

He enjoys spending time with his wife, Madison, his family and friends, watching sports, and attending cattle shows in his free time.

Dumont

Kati Woodley
Kati Woodley Ag/Commercial Lender Hampton 641-257-1343 Email Kati

About Kati

Kati brings six years of experience in the agriculture financial industry to First Security. She has held key roles such as Office Manager, Credit Analyst, and Loan Officer, with a primary focus on agriculture operating financing. Having grown up in Ackley, IA, just 30 minutes from her current office in the Hampton branch, Kati offers a “home-field advantage” that clients appreciate, providing trusted, knowledgeable advice to meet their financial needs.

In addition to her professional work, Kati is actively involved in her community. She is a member of the Ackley American Legion Auxiliary, and she frequently participates in events supporting the Iowa Falls Alden Fire Department. Kati and her boyfriend have two sons, aged 18 and 7, and their family enjoys sports, 4-H, and attending the kids’ activities.

Hampton

Kati Woodley
Kati Woodley Ag/Commercial Lender Hampton 641-257-1343 Email Kati

About Kati

Kati brings six years of experience in the agriculture financial industry to First Security. She has held key roles such as Office Manager, Credit Analyst, and Loan Officer, with a primary focus on agriculture operating financing. Having grown up in Ackley, IA, just 30 minutes from her current office in the Hampton branch, Kati offers a “home-field advantage” that clients appreciate, providing trusted, knowledgeable advice to meet their financial needs.

In addition to her professional work, Kati is actively involved in her community. She is a member of the Ackley American Legion Auxiliary, and she frequently participates in events supporting the Iowa Falls Alden Fire Department. Kati and her boyfriend have two sons, aged 18 and 7, and their family enjoys sports, 4-H, and attending the kids’ activities.

Ionia

Andria Hillegas
Andria Hillegas Ag/Commercial Lender Charles City 641-257-1257 Cell: 641-426-6953 Email Andria

About Andria

Andria Hillegas started at the bank in 2016 as an Ag/Commercial Loan Processor and Servicing Clerk and full-time college student. Her educational background includes a bachelor's degree in business administration from Upper Iowa University and the Iowa Bankers Association’s (IBA) Commercial Lending School. Andria has received several promotions since her start at the bank including Loan Operations Specialist, Credit Analyst, and Loan Administrative Specialist. In 2023, she was promoted to Ag/Commercial Lender.

Andria enjoys spending time with her family and friends outside of work.

Manly

Jeff Badger
Jeff Badger Vice President Ag/Commercial Lender Manly 641-257-1341 Cell: 319-404-4004 Email Jeff

About Jeff

Jeff brings 45 years of experience to the Ag/Commercial Lending team, with a bachelor’s degree from Briar Cliff University in business administration. Throughout his career, Jeff has held roles such as Business Relationship Manager, Market President, and Ag/Commercial Loan Officer. These positions have equipped him with the expertise to build and maintain strong client relationships, support local farmers and businesses, and contribute to the growth of First Security’s communities.

Committed to his community, Jeff has actively volunteered and held leadership positions with organizations like United Way, Rotary, Kiwanis, and St. Patrick’s Knights of Columbus. He is currently a member of the Mason City Chamber of Commerce’s Agri Business Committee.

In his personal time, Jeff enjoys outdoor activities and spending time on Clear Lake, where he resides with his wife, Ann. He also loves being with friends and family; he has recently become a proud grandpa!

Nora Springs

Steve Fullerton
Steve Fullerton Assistant Vice President Ag/Commercial Lender Nora Springs 641-257-1340 Cell: 641-330-1906 Email Steve

About Steve

Steve Fullerton brings 33 years of farming and ag experience to his role as Ag/Commercial Lender. Steve joined the Ag/Commercial Lending team at First Security in 2021. Growing up on a farm near Rockford, IA gave Steve an in-depth knowledge of farming.

After graduating from Upper Iowa University with a degree in computer science, he took a job at IBM in Rochester, MN where he worked for 33 years – while also maintaining his own farm with his son on the side.

Riceville

John Bhend
John Bhend Ag Lender Riceville Cell: 507-438-0265 Email John

About John

John Bhend started at First Security Bank in 2023 as an Ag Lender. John has 20 years of experience in agriculture prior to joining First Security. He grew up on a cow-calf and swine operation, exhibiting purebred Simmentals, Angus, and show steers and winning the Minnesota FFA Star State Farmer award in 1991. John later obtained a degree in Animal Science from the University of Minnesota. He completed the Iowa Bankers Association's (IBA) Ag Lending School to extend his Agriculture Lending knowledge. John later served on the American Bankers Association's (ABA) Ag and Rural Markets Committee.

Having grown up near the Iowa and Minnesota border, John is no stranger to small, close-knit communities. He is very active in his community; he is a 28-year member of the Sons of American Legion in Adams, MN, a retired volunteer fireman, and a member of the Good Time Riders Snowmobile Club, a group that marks trails for other riders and raises funds for other nonprofit organizations.

Though John stays busy with work and volunteering, he is also a dedicated bee farmer, camper, traveler, golfer, sports fan, husband, and father. John and his wife have been married for 25 years, and his three daughters are now adults and starting their careers.

Rockford

John Paulus
John Paulus Vice President Ag/Commercial Lender Rockford 641-257-1209 Cell: 641-426-6912 Email John

About John

John Paulus joined First Security in 1993 in the Ag Lending department. He received an associate degree from North Iowa Area Community College and a bachelor's degree from Buena Vista University. A major professional achievement for John, besides 30+ years of service, was an appointment to the Iowa Bankers Association’s (IBA) Agriculture Committee in 2004. John has been a vital member of the Ag Lending team at First Security for over three decades.

John can be found in the Rockford community golfing, spending time with his family and friends, or talking about old cars and trucks. His wife, Stephanie, and he have been married for as long as he’s worked here, and his son, Wyatt, has served in the Marine Corps.

Ashley Engels
Ashley Engels Ag/Commercial Lender 641-257-1204 Cell: 319-830-0923 Email Ashley

About Ashley

Ashley Engels joined the bank in 2015 as an Ag/Commercial Loan Administrative Specialist. Her educational and professional background includes banking, real estate, and customer service. Ashley came into her position with four years of banking experience, eight years of customer service experience, an associate degree from North Iowa Area Community College, and a bachelor’s degree in real estate. During her nine years with First Security, Ashley has received several promotions. In 2024, she was promoted to Ag/Commercial Lender and completed the Iowa Bankers Association’s Intro to Commercial Lending.

She and her family are active in Rudd Rockford Marble Rock (RRMR) athletics, and in her free time, Ashley enjoys boating, warm weather, spending time with her family, or watching the Dallas Cowboys play football.

Rockwell

John Paulus
John Paulus Vice President Ag/Commercial Lender Rockford 641-257-1209 Cell: 641-426-6912 Email John

About John

John Paulus joined First Security in 1993 in the Ag Lending department. He received an associate degree from North Iowa Area Community College and a bachelor's degree from Buena Vista University. A major professional achievement for John, besides 30+ years of service, was an appointment to the Iowa Bankers Association’s (IBA) Agriculture Committee in 2004. John has been a vital member of the Ag Lending team at First Security for over three decades.

John can be found in the Rockford community golfing, spending time with his family and friends, or talking about old cars and trucks. His wife, Stephanie, and he have been married for as long as he’s worked here, and his son, Wyatt, has served in the Marine Corps.

Thornton

Jeff Badger
Jeff Badger Vice President Ag/Commercial Lender Manly 641-257-1341 Cell: 319-404-4004 Email Jeff

About Jeff

Jeff brings 45 years of experience to the Ag/Commercial Lending team, with a bachelor’s degree from Briar Cliff University in business administration. Throughout his career, Jeff has held roles such as Business Relationship Manager, Market President, and Ag/Commercial Loan Officer. These positions have equipped him with the expertise to build and maintain strong client relationships, support local farmers and businesses, and contribute to the growth of First Security’s communities.

Committed to his community, Jeff has actively volunteered and held leadership positions with organizations like United Way, Rotary, Kiwanis, and St. Patrick’s Knights of Columbus. He is currently a member of the Mason City Chamber of Commerce’s Agri Business Committee.

In his personal time, Jeff enjoys outdoor activities and spending time on Clear Lake, where he resides with his wife, Ann. He also loves being with friends and family; he has recently become a proud grandpa!

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