Meet Our Lending Team
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NMLS MLO #446278
EVP, Senior Mortgage Loan Officer
618-357-5373 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
VP, 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 #1048682
AVP/Branch Mgr, Lending Officer
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.
Gary Mowry, Jr
NMLS MLO #1057176
AVP, Lending Officer
Elkville Banking Facility
618-568-1541 ext. 3002
Gary joined the bank in 2013 and is located at the newly acquired Elkville Banking Facility located at 110 South 4th Street in Elkville, Illinois. With over 22 years’ experience in retail lending, he is available to assist customers with Consumer, Real Estate, Commercial and Ag loans.
Gary has completed courses with the American Banker’s Association, the Illinois Banker’s Association, and the American Institute of Banking and has received certification in Consumer Compliance and Consumer Bankruptcy in addition to obtaining a diploma in Retail Consumer Lending. In addition, his previous 12 years of consumer lending experience at some notable regional and national banks provides his customers with knowledgeable and detailed-oriented service.
Gary was raised on a family farm in Southern Illinois and is familiar with daily needs of a farm operation. Having more than 8 years of experience in Business and Agricultural Lending, Gary is an excellent resource to help provide the financial assistance that a business needs to succeed.
Gary’s tip: Identity theft is a very real risk in today’s high tech world. Always safeguard your social security number - Properly store and dispose of bank statements - Keep debit and credit card information secure. Protecting your information now can prevent unauthorized debts from being created in your name that can negatively affect a good credit score!