Meet MSUFCU's Business Team

Nicole began her career with MSUFCU in 2009 and has worked in Member Services, Payment Systems, Accounting and Finance, and became the Vice President of Commercial Solutions in 2023. She oversees our Commercial Solutions teams including deposits, treasury management, and lending. She is focused on member service, building relationships with our commercial members, and for the overall success of the Commercial Solutions Department.

Nicole provides strategic leadership and oversight for MSUFCU's commercial banking functions, including commercial lending, credit administration, treasury management, business account services, and commercial operations. Her responsibilities include leading a diverse team of commercial lenders, credit professionals, operational staff, account specialists, and treasury management personnel to deliver exceptional service and financial solutions to business members.

In this role, Nicole is responsible for developing and executing strategic initiatives that support portfolio growth, risk management, operational efficiency, and member satisfaction. She oversees commercial loan production and portfolio management, credit quality, underwriting standards, treasury management services, business deposit operations, and regulatory compliance.

Nicole received her Bachelor of Arts in Finance from Michigan State University and received her Master of Business Administration from Northwood University. Outside of the Credit Union, Nicole enjoys spending time with her husband and two children, traveling for sports and enjoying time at their cabin.

Karen came to MSUFCU in 2024, with 15 years of experience in public accounting and almost 20 years in the financial services industry.

Karen holds a Bachelor of Science in Finance from Loyola University Chicago, attended Graduate School of Banking from University of Wisconsin - Madison, and is a licensed CPA.

Tim started working at MSUFCU in September of 2024. He has been working in Agricultural lending for all of his 40+ year career. He also grew up on a dairy farm in Northwest Illinois and now owns that farm.

Tim works remotely in Illinois currently servicing loans in Iowa, Wisconsin, Illinois and Michigan.

Tim earned his BS in Agricultural Business and Economics from Illinois State University. He has attended various financial schools throughout his career as well as many seminars to stay up to date in an ever-changing industry.

Outside of work, Tim works on their farm raising beef cattle along with 2 donkeys, goats and a few pigs. He loves attending and following sports, especially when it involves his grandkids. He loves to travel with his wife and find deals at local thrift stores along with enjoying the local restaurants.

Phil started with MSUFCU and the Business Services team in 2023. His background includes 14 years of banking experience with a focus in commercial and business lending. Phil oversees the team of commercial and small business lenders and actively engages with the local community to support business owners and entrepreneurs.

Phil is currently pursuing his M.B.A. from Oakland University and received his Bachelor of Communications from Michigan State University. Outside of the credit union, Phil loves spending time and laughing with his wife and 4 children, serving at his church, watching MSU athletics and attempting landscaping projects!

Eric joined MSUFCU's Business Services Team in 2018. Prior to that, he gained five years of banking experience, including four years focused on business banking with a community bank in the Lansing area. Throughout his career, he has enjoyed building relationships with business owners and volunteering in the greater Lansing community.

An avid outdoors enthusiast, Eric spends much of the fall in the woods and enjoys summers at his cottage on Lake George.

Kam is currently a commercial loan officer dedicated to fostering relationships with businesses and offers tailored lending solutions to help businesses thrive. She is passionate about developing partnerships and values the impact this has on the communities around Michigan.

Kam received her Bachelor of Arts in Social Science with a Minor in Music from Michigan State University.

Outside of work, she spends her time active in the outdoors and enjoys time with her husband and son.

Gloria started at MSUFCU in 2015 and worked in consumer lending before joining the Business Services Team in 2018. She brings over fifteen years of experience in the Financial Services Industry. She is 2024 recipient of The Lansing Regional Chamber's 10 Over the Next Ten awards and has completed a Leadership program with the Credit Union.

Gloria works with business members from investment real estate to C&I lending. She is committed to helping businesses advance and succeed. She works with our commercial members in growing not only their lending relationships but every aspect of their banking needs. Gloria appreciates seeing them thrive and strengthen the community. She values making connections and establishing relationships through business development and community efforts.

She received her Bachelor of Arts in Business Operations and Marketing from DePaul University and currently serves as President on the Allen Neighborhood Center Board.

Outside of work, Gloria enjoys spending time with her husband and two sons. She likes traveling and exploring our great state, especially in the summer months.

John Gonzales is a seasoned commercial banking professional with more than 25 years of experience in commercial credit underwriting, portfolio management, and commercial real estate lending in Chicago and the surrounding suburbs. Throughout a distinguished banking career, John has developed extensive expertise in financial analysis, commercial and owner-occupied real estate underwriting, construction lending, credit risk assessment, and loan policy compliance.

As a Commercial Loan Officer and Credit Officer, John has been responsible for evaluating, underwriting, and managing a wide range of commercial loan transactions, including commercial real estate, owner-occupied real estate, construction, SBA, working capital, and equipment financing. John has consistently demonstrated strong credit judgment by conducting detailed financial and cash flow analyses, collateral evaluations, covenant monitoring, and risk assessments to support sound lending decisions.

Outside of work, John is an avid fisherman, spending time fishing on Lake Michigan and enjoys time with my family.

Helen came to MSUFCU in 2026, with 23 years of coaching experience. She holds a Bachelors of Science, Sport Management with a Minor in Coaching & Masters of Arts, Sports Management from Kent State University.

Helen is an involved volunteer of Great Lakes Field Hockey, the Michigan chapter of USA Field Hockey, working to help grow the game in the state of Michigan.

Outside of work, Helen enjoys participating in and watching all sports, traveling, being outdoors, going on adventures and spending time with family and friends.

Ryan Larsen joined MSUFCU in 2003 and brings over 20 years of experience in lending and credit in the East Lansing area. Guided by MSUFCU 's mission to improve the financial well-being of members and communities, Ryan is committed to delivering trusted, personalized financial solutions. He takes pride in helping members make informed decisions through education, collaboration, and a seamless lending experience.

Ryan evaluates the creditworthiness of borrowers by analyzing financial statements, cash flow, and risk factors, and structures loan recommendations that align with lending policy and risk tolerance.

Ryan is a member of Meridian Area Business Association (MABA) and enjoys playing golf and spending time with his wife and two daughters outside of work.

Joshua has more than a decade of experience in commercial lending, with expertise spanning commercial real estate (CRE), working capital lines, multifamily and mixed-use properties, nonprofit financing, SBA 504 and SBA 7(a) loans, and construction lending. Throughout his career, he has developed a strong track record of structuring customized financial solutions that help businesses and organizations achieve their goals. Joshua is passionate about building lasting relationships with both new and existing members, taking the time to understand their unique needs and tailoring every approach to deliver personalized banking experience.

Joshua holds a Bachelor of Science in Business Management from DePaul University and is committed to delivering exceptional service and trusted financial guidance to every member he serves.

Outside of the Credit Union, Joshua enjoys spending time with his wife, cycling, traveling the world, and exploring new restaurants.

Renee began her career as a teller her final week of college. She joined the MSUFCU team with 3 years of experience as a Commercial Lending Assistant & has enjoyed that role at the CU for about 4 years. She has recently stepped into the role of a Small Business Lender.

Renee works with small business owners to secure financing for growth, operations, equipment, and working capital. From initial consultation to funding, she provides clear guidance and tailored lending solutions designed to support long-term business success.

Christopher has extensive expertise in commercial real estate and C&I lending, with experience spanning construction financing, industrial and multifamily properties, and equipment finance. He is known for structuring thoughtful, relationship-driven solutions that support long-term client success.

Based in Northern Illinois, Christopher serves clients across Illinois, Michigan, and Wisconsin, with a primary focus on the greater Chicagoland area.

Christopher holds a bachelor's degree in finance from Roosevelt University in Chicago.

Outside of work, he enjoys golfing with friends and spending time supporting his two children in their travel volleyball and basketball activities.

Brittany Price serves as a Commercial Loan Officer for Southeast Michigan on the Business Services team here at MSU Federal Credit Union. With more than 13 years of experience across both the credit union and commercial banking sectors, she partners with local businesses to deliver strategic financing solutions that support growth and long-term success. Prior to focusing on commercial lending, Brittany served in a variety of roles on the consumer side, including Branch Manager and Lending Officer, building a strong foundation in relationship management and credit expertise. She brings knowledge in commercial lending, treasury management, merchant services, and portfolio management, allowing her to provide a well-rounded, relationship-driven approach to business banking. Although new to MSU Federal Credit Union, she strongly identifies with its member-focused philosophy and longstanding commitment to community and financial empowerment.

Brittany earned her Bachelor of Arts in Interdisciplinary Studies from Oakland University and holds several certifications from the American Bankers Association, including a certificate in Commercial Lending. She plans to begin pursuing her master's degree this fall.

Outside of work, Brittany is heavily involved in youth ministry within her church and enjoys spending time with her husband, their baby girl, and their Yorkie, Bailey. She is an auntie, godmother and mentor to many and enjoys gifting and celebrating others.

Nichole started working at MSUFCU in the Business Services Department in 2014. She spent much of the next 9 years working in a Lending or Leadership capacity at multiple branch locations including South Lansing, Downtown Lansing and Headquarters before moving back to Business Services in 2023. Nichole works with Small Businesses to provide lending options from the start up stage to growth and expansion. She is based out of Lansing and enjoys watching the Lansing Business Community grow and thrive.

Nichole has a Bachelor's degree from MSU with a specialization in Entrepreneurship. Outside of work, Nichole enjoys baking, crafting and spending time with family.

Carly started working at MSUFCU in 2019 in the branches learning consumer lending before transitioning over into her current role as a Small Business Lender in 2022.

Carly works with business owners to secure financing for growth, equipment, real estate, and working capital needs. She provides guidance throughout the lending process and helps identify solutions tailored to each business's goals.

Outside of work, Carly enjoys golfing, reading, playing card games, participating in trivia nights, spending time with family and friends, and staying involved in the community.

Karla has worked at MSU Federal Credit Union since 2006 and is dedicated to providing exceptional service with an upbeat attitude to all of our members. Karla has an extensive knowledge in consumer lending and was a part of the Business Services team for three years prior to her relocation to the Traverse City region in 2019 as a Branch Lead to support in the opening of our two new branches. Karla rejoined the Business Services team in 2021 as a Commercial Lender to assist our growing membership in Northern Michigan. Karla takes pride in building strong, long lasting relationships and is committed to creating a positive depository and lending experience.

Karla has completed her Certificate in Business and Commercial Lending from the ABA, received the MSUFCU Superior Service award in 2020, along with the MSUFCU Crystal Award in 2017. When Karla is not at the Credit Union she can be found with her husband and Daughter enjoying our state's natural resources. Search one of your local lakes, you will likely find her fishing!

Julia Van Vliet has been a commercial real estate lender for over 20 years in Chicago; most recently with Gold Coast Bank, and as of May, 2026 with MSUFCU in the Gold Coast neighborhood.

Julia received her Bachelor of Science in Finance from Indiana University. She has extensive experience in commercial real estate lending; business development, strategic planning, portfolio management, credit and underwriting.

Outside of work, Julia enjoys tennis, pickleball, and gardening.