Meet Our Lending Team
NMLS MLO #446278
EVP, Senior Lending Officer
618-687-2265 ext. 2239
Roger joined Murphy-Wall State Bank in February, 2002, bringing his extensive banking experience to our staff. He attended Shawnee Community College and Southern Illinois University in Carbondale for his formal education.
Prior to his employment at Murphy-Wall, Roger served as president at a bank in Herrin, Illinois, and at a Savings and Loan institution in Chester, Illinois. He has attended numerous classes and seminars covering all aspects of banking and lending including residential construction, real estate appraisal, and residential lending. Roger served as a Board of Director of the Illinois League of Financial Institutions and as a member and former chairman of the Illinois League Career Development School Committee.
Roger is involved with all types of loans including commercial, investment, and residential. He is most experienced in the residential lending market where he has spent most of his 29 years. When asked how residential lending stays fresh after all of these years, Roger replied, "Nothing makes me feel better than to assist people with home ownership. The ability to own real estate is what really makes the United States different from other countries."
Roger's tip: Whether buying or building, it's never too early to stop in and see a loan officer. The sooner a loan officer can help get you qualified for the loan, the easier the closing process will be after you find a home to buy or build.
NMLS MLO #446279
AVP, Lending Officer
618-357-5373 ext. 1228
Terri joined Murphy-Wall State Bank and Trust Company as a loan officer trainee in February 2002 bringing 8½ years of banking experience to our staff. She attended Rend Lake College receiving an Associates of Science degree in Accounting. In addition to being a qualified licensed insurance producer, Terri successfully completed the requirements to receive a certificate from the CBAI Residential Real Estate Lending Institute. Terri was promoted to Assistant Vice President and Lending Officer, and deals primarily with Consumer and Real Estate Applications.
Terri's familiarity with many areas of the banking and real estate industries enables her to provide knowledgeable assistance as a lending officer paying particular attention to the many details associated with real estate mortgages. Now an experienced lender, Terri is observant of local buying trends and current market values. She can help you determine which loan product is most appropriate for your needs.
Terri's tip: When filling out the application take the extra time to fill it out completely. The loan process will be quicker and easier when it is completed.
NMLS MLO #959616
AVP, Commercial Lending Officer
618-357-5373 ext. 1227
Jeff joined Murphy-Wall State Bank in July 2012, bringing 30 years of banking experience consisting of more than 15 years of community banking as well as over 13 years of corporate banking knowledge. Jeff is determined to ensure the customer’s success and maintain a high standard of quality. He possesses excellent customer service skills with an emphasis on trust, quality and productivity.
Jeff’s tip: Check your credit bureau report on an annual basis. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and Trans Union — to provide you with a free copy of your credit report, at your request, once every 12 months. Free Credit Reports
NMLS MLO #1048682
618-687-2265 ext. 2021
Kyle joined Murphy-Wall State Bank in March of 2013, bringing with him over three years of banking experience. He has worked in the operations side of the bank, but his main emphasis and time was in the loan and lending area. He has been trained in all aspects of the loan department, which in this day and age, requires a high amount of attention to details. He resides in Carterville with his family, however, living in Murphysboro and attending Murphysboro High School, has resulted in many friends and acquaintances near the Murphysboro facility where he operates from.
Kyle is ready to assist you in your lending needs whether it be consumer, residential, agricultural, or commercial. He can help you attain your financial goals through his experience and knowledge of lending and the banking industry. “I look forward to meeting you and will do my best to guide you toward the best financing options for your situation”.
Kyle's tip: If you are unhappy with your current situation, but not sure if you can qualify, don’t let that deter you from looking at all the options. We have a variety of services and products that will fit anyone’s financial needs.