Bonnyville

Ciedezha Bilar
Financial Advisor

Stacy Johnson
Financial Advisor

Phone: 780-812-3649

Stacy brings previous credit union experience, a willingness to learn, and a determination to help the members to her Financial Advisor role. She works with members to help them find the best chequing and savings accounts, credit cards, and investment products.  She enjoys interacting with different people, and building long term relationships with members to help them move through various life stages. Stacy’s colleagues appreciate her bubbly personality and willingness to help out.  Outside of work Stacy volunteers with the Pierceland Horse Riding Club and Lakeland Gymcana Association.

Linda Kwiatkowski
Financial Advisor


Linda completed 2 years of accounting courses before joining LCU as a teller in 2012. Within a year, she had worked her way to a Financial Advisor position. A typical workday will see Linda opening and managing chequing accounts, savings account, credit cards, term deposits, and other products for business and personal members.  Linda appreciates the educational opportunities available at LCU, and has completed courses in financial products and services, financial planning, consumer lending, and she is the only Certified Executor Advisor (CEA) in Bonnyville, which means she has extra training in managing estate accounts.  As a longtime Bonnyvillian, Linda knows our area well. She relishes the opportunity to help members meet their short and long term goals, and she enjoys the variety of people and situations she works with.

Cold Lake

Keo Torredes
Financial Advisor


If you’ve opened an account, invested in a TFSA, or applied for a credit card in our Cold Lake branch recently, Keo may have been the Financial Advisor helping you.  Keo puts members first and seeks to understand a member’s needs, goals, and overall financial situation so they can feel confident they’re getting the products that will serve them best in the short and long term. Keo has a special interest in working with new Canadians to help them build credit and navigate the banking system. Prior to joining the credit union system in 2013, Keo earned a bachelor’s degree in marketing. She is fluent in English and Tagalog.

Bonnyville

Sara Kemmer
Senior Financial Advisor

Phone: 780-812-3638

A member came into Sara’s office looking to purchase a home. A mortgage would have been a tight squeeze with the vehicle loan he already had. By taking over the vehicle loan from another bank, and extending the term, Sara Kemmer made the new home purchase happen.  It’s an example of helping members reach their goals and long term financial success, and it’s what Sara enjoys most about her job. Sara’s been with Lakeland Credit Union since 2005, and she’s working towards her Credit Union Accreditation. Sara and her husband are active supporters of the MS Society.




Zak Eddamni
Member Relationship Advisor

Phone: 780-812-3630

As part of our Consumer Lending team, Zak advises members on mortgages, lines of credit, vehicle loans, and more.  Zak’s previous work experience as a licensed real estate agent and his personal experience doing home renovations give him the added perspective to advise members on building design and materials. Zak particularly enjoys working with first time home buyers and taking the extra time to advise them what to look for in a home.  Since living in the Lakeland from 2008, Zak has enjoyed attending local events, and meeting and helping people, which in turn has helped him develop a strong network of talented local people. Zak is fluent in Arabic, French, and English, and before moving to Canada from Morocco, Zak earned a nursing degree.  Members and staff describe Zak as personable and helpful.

Cold Lake

Cindy Lillico
Member Relationship Advisor

Phone: 780-812-3612

As a native Cold Laker working in the finance industry since 2009, Cindy knows both the area and her field well.  She works to understand her member’s distinct needs, wants, and long-term goals before pairing them with the best-fitting mortgage, vehicle loans, or line of credit. Cindy has extensive experience in vehicle loans and especially enjoys developing creative, tailored lending solutions for members in non-traditional situations. On the weekends, Cindy puts her pilot’s license to work volunteering for Cold Lake Search and Rescue.

Shani Daw
Senior Fiancial Advisor


Shani has worked in the financial services industry since 1984, and she’s lived in Cold Lake since 1989. So it’s safe to say she knows both well. She’s has experience with investment, retirement, and deposit products, and she’s completed courses on Residential Construction Mortgages, Lending to Self-Employed borrowers, Lending to High Net-worth Borrowers, and more.  “I enjoy helping members reach a life milestone, such as buying a house. I present members with the financing options best suited to their situation, and I help them navigate the ever-changing rules and regulations of the financial Industry,” Shani says of her lending philosophy.



Susan Urichuk-Roth
Manager, Consumer Lending


Susan Urichuk-Roth joined CFB Cold Lake Savings and Credit Union in 1985, before it underwent a series of mergers to eventually become Lakeland Credit Union. She worked her way up through various positions from loan clerk, to lender, supervisor, and to her current post as Assistant Manager of Consumer Lending. Susan’s many members are happy to refer her to their networks, citing her strong work ethic, professionalism, and helpful nature.

Bonnyville

Beau Ferbey
Associate Relationship Manager

Phone: 780-812-2842

As a part of the LCU Commercial Lending team, Beau brings his knowledge of finance, previous experience as a Commercial Credit Analyst and knowledge of the Lakeland, as a native Bonnyvillian, to help businesses develop and grow.



Huguette Coulombe
Relationship Manager


Huguette Coloumbe is our in house agriculture expert with over 30 years’ of banking experience. Huguette grew up on a farm in the St. Vincent area and is familiar with all types of farming operations. She helped her family with silage in the spring, moving augers in the fall, and in between her daily chores, she honed her leadership skills in 4-H. Caring about people is what it’s all about -  Huguette is also expanding her knowledge base to incorporate a better understanding healthcare in our region. Huguette has always lived in the Lakeland area and has a keen sense of our local opportunities and challenges.



Irene Schurek
Relationship Manager

Phone: 780-812-3634

Irene Schurek is our go-to authority on local construction and transportation standards and trends. When she’s not meeting with members, Irene is studying industry publications, researching development permits and proposals, and keeping an eye on our competition.

After 28 years in the banking industry, there’s not much Irene hasn’t seen, but she’s always open to new challenges, and enjoys seeing businesses evolve and expand.

Cold Lake

Catherine Han
Relationship Manager

Phone: 780-594-7634

Since joining LCU in 2011, Catherine has accumulated a wealth of experience as a loan support, consumer lender and commercial lender. She has a passion for education that she puts to good use teaching members why a certain loan or loan structure might be best for them.  Retail and real estate are two areas Catherine takes a keen interest in. Catherine has continuously upgraded her credentials and her most recent designation is an Accreditation in Business Lending with Honours. As a key member of our financial literacy team, Catherine facilitates lessons on spending, saving, and investing to local schools and community groups. Outside of the office, Catherine volunteers with the French Canadian Association of Alberta (ACFA).

Bonnyville

Christina Dauvin
Commercial Credit Analyst

In her role as Commercial Credit Analyst, Christina helps prepare commercial loan renewals, reviews financial statements, and provides credit support to the Commercial Lenders.  Her favourite part of the job is helping members get the credit they need to achieve sustainable growth. She enjoys learning about business and uncovering the intricacies involved in entrepreneurship.  Christina grew up in Cold Lake and moved to Bonnyville in grade 10, so she knows the Lakeland people and region well.  Prior to joining LCU, Christina earned a diploma in Accounting and Payroll Administration and worked in the oil and gas sector. She is currently working on her Business Lending Accreditation. Co-workers appreciate Christina’s bubbly nature and participation in internal committees.

Crystal Dechaine
Commercial Credit Analyst


Joined the LCU team in 2017.

Cold Lake

Candice Coultis
Commercial Credit Analyst

Phone: 780-594-7631

Candice is a credit analyst and part of both our retail focus team and our oil and gas focus team.  Originally from Ontario, she and her family moved to the Lakeland area as part of a military relocation. Candice has been in the banking industry since 2010 and has previous experience as a bookkeeper, which helped her hone her member service skills and understand multiple sides of a business. Always one to keep learning, Candice has a diploma in airport management, and has completed several on-the-job courses, including the Certified Executor Advisor (CEA) designation. Candice looks at the business and the business owner as a whole and enjoys helping members grow and increase their businesses.

Bonnyville & Cold Lake

Bobbi Read
Associate Advisor, Mutual Fund Investment Specialist

Phone: 780-594-7640

In 2012, Bobbi found an opportunity to work in the Wealth Management sector and has never looked back. She continuously upgraded her education and discovered she has a passion for providing creative investment solutions to help clients realize their financial goals. By understanding her clients and offering an array of options, Bobbi feels she can empower her clients to make informed financial decisions. As an integral part of the LCU Financial team, Bobbi is friendly and personable, but maintains a high level of professionalism. When not at work, Bobbi can be found attending to the array of animals on her family farm, or cheering and volunteering with her sons’ hockey teams.



Krista Kardash
Certified Financial Planner, Mutual Fund Investment Specialist

Phone: 780-812-3617

After growing up in Edmonton and studying at the University of Alberta, Krista moved to the Lakeland in 2011 where she joined the Lakeland Credit Union team.  Krista joined the LCU Financial team in 2012 as a financial advisor and after rapidly advancing her education, Krista obtained the CERTIFIED FINANCIAL PLANNER© designation in 2014. It’s a career path that was meant to be for Krista, who was making mock stock portfolios at 12 and had her first RRSP at 15. Krista also holds a certificate in Estate Planning and Trust Strategy from the Canadian Securities Institute and is constantly working to advance her skills and expertise. Krista views financial planning as a holistic exercise and helping members succeed financially is one of her favourite aspects of her job.  Krista and her husband Ray recently welcomed a baby daughter, Eleanor.

Bonnyville

Noella Williams
Manager, Member Service

Phone: 780-812-3640

When Noella finished high school in 1977, she was delighted to land a job with Lakeland Credit Union. It was a natural choice given that her father was one of the original board chairs of LCU, and her grandfather founded a French language and culture co-operative.  Noella started her career as a teller, and as was the standard, she would process all calculations manually. She has worked in the clearing department, as a member service representative, as a front line supervisor, and more recently, she has been keeping our members and staff happy as the Manager of Member Service in Bonnyville.  She manages a team of 12 staff who know her to be a great mentor, and a caring and respectful boss.  Members appreciate Noella’s depth of service and respect her advice. Noella maintains an open door policy with members and staff.

Cold Lake

Darlene Larocque
Manager, Member Service

Phone: 780-594-7639

In her role as Manager of Member Service in Cold Lake, Darlene helps members find the products and services that meet their financial goals. She’s a great resource for advice on day-to-day banking. Since joining LCU in 2001, Darlene has worked her way up through various positions including member service advisor, clearing clerk, and audit and compliance administrator.  She relishes the opportunities to help businesses get started, find efficiencies, and grow to the next stage.