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Financial Advisors


Ciedezha Bilar Ciedezha Bilar - Financial Advisor

Phone: 780-812-3615

If LCU gave a prize for best recall skills, Ciedezha would likely win. She’s great at remembering member’s names and connecting previous conversations.  Ciedezha has a bachelor of business administration degree and fifteen years of financial industry experience, which she puts to good use in her role as Member Relationship Advisor. She helps members with their everyday banking, such as finding the right chequing account or credit card. As a member of our financial literacy team, Ciedezha shares her expertise with students across the Lakeland. Ciedezha is passionate about serving and taking care of other people and enjoys growing with our members and seeing the potential in our business members.

Linda Kwiatkowski - Financial Advisor

Phone: 780-812-3645

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.

Tyler Sylvestre - Financial Advisor

Phone: 780-812-3654

Born and raised in Bonnyville, Tyler knows The Lakeland, and all the opportunities that are available to residents who call this region home. He values trust above all, and the members he assists rave about his fresh and honest financial perspective. When he is not in the office, Tyler is either golfing or fishing in one of many lakes in The Lakeland. From working as a front-line staff to the commercial business department, Tyler has worked in several departments at Lakeland Credit Union.

With such experience, Tyler can anticipate members' needs and provide creative solutions. Tyler holds a Bachelor of Commerce degree from MacEwan University and returned to The Lakeland to continue his career.

Rowena Pamintuan - Financial Advisor

Phone: 780-812-3630

Growing up in Manila City in the Philippines, Wheng knows what it means to be family-oriented. Wheng has personal knowledge of what entrepreneurship is all about as she owned an internet café in her 20's and has specialized know-how and passion for technology.  She spends her weekends with her husband and two children enjoying family movie nights, and baking treats for family and friends. 

Wheng is very dedicated to the members she serves and prides herself on providing the highest level of service as a Financial Advisor.

Michael Policarpio - Financial Advisor

Phone: 780-812-3626

Cold Lake

Shani Daw
Shani Daw - Senior Financial Advisor

Phone: 780-594-7646

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.

Angela Willis - Financial Advisor

Phone: 780-594-7636

Angela 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. Angela joined LCU in 2019.

Tyler Powers - Financial Advisor

Phone: 780-594-7635

Nicole Somcher - Financial Advisor

Phone: 780-594-7639

Commercial Lending Team


Beau Ferbey

Beau Ferbey - Relationship Manager

Phone: 780-812-2842

Growing up in The Lakeland at Moose Lake, Beau is in touch with the needs of business owners in The Lakeland. He understands the unique perspective and challenges this region experiences as his parents were local business owners. Beau loves the outdoors, fishing, and golfing. While playing hockey full time, he completed a Bachelor of Commerce with a double minor in finance and leadership at Concordia University and graduated with distinction. Beau provides exceptional service to his members, addressing their future and current needs with practical and easily implemented solutions that are effective and profitable.

Huguette Coulombe
Huguette Coulombe - Relationship Manager

Phone: 780-812-3613

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
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

Victor Agbenu - Relationship Manager

Phone: 780-594-7632

“What keeps me motivated in my role as a commercial lender is knowing that I am able to make a difference in people’s lives by helping keep their businesses running and helping them achieve their dreams”

Victor displays such passion for the businesses and members he assists every day. His unique perspectives enable him to be honest and have straightforward conversations about achieving success – both professionally and personally. Victor is a father of two and a husband who enjoys playing soccer in his downtime, as well as watching spy movies. His innovative mind was able to lead a project team that implemented an electronic payment model for cocoa farmers in Ghana – a first of its kind in the country.

Victor grew up in Ghana with three brothers and attended the University of Ghana for his undergrad and MBA,   and later completed a second master's degree at Yale University’s School of Management. He has 13 years of experience in business banking having worked as a Branch Operations Manager, Credit Analyst and Relationship Manager for Ecobank,  one of the biggest banks in Africa with operations in 33 countries.

His dedication to his work shows every day as a Relationship Manager, acting as a true partner and provider of trusted advice to the business owners of Lakeland.

Commercial Credit Analyst Team


Christina Dauvin - Commercial Credit Analyst

Phone: 780-812-3633

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.

Norma Huffman - Commercial Credit Analyst

Phone: 780-812-3604

Norma brings over a decade of Credit Union experience to her Commercial Credit Analyst role. She helps prepare commercial loan renewals, reviews financial statements, and provides credit support to the Commercial Lenders. When newer Analysts have questions, Norma is happy to help out and share her expertise. Norma enjoys the investigative aspect of her job, doing complete underwritings, and getting to know our members. She’s proficient in commercial real estate deals and is excited to learn more about the agriculture sector. Norma has a Business Administration diploma to her name and is working towards her Business Lender designation. As recent transplants to Bonnyville, Norma and her husband are enjoying the area and the welcoming community. 
Mike Ferrao - Commercial Credit Analyst

Phone: 780-594-7637

Luke Melnyk - Commercial Credit Analyst


Wealth Advisors

Bonnyville & Cold Lake

Bobbi Read

Bobbi Read - Wealth Advisor | LCU Financial Ltd.
Mutual Fund Investment Specialist |Credential Asset Management Inc.

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

Krista Kardash - Wealth Advisor | LCU Financial Ltd.
Financial Planner | Credential Asset Management Inc.

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 have two daughters.

Caitlin Royston - Wealth Coordinator

Phone: 780-812-3612

Caitlin Royston and her husband moved to the Lakeland in search of a new adventure in 2017. Shortly after, Caitlin’s family grew as they welcomed their beautiful daughter. Growing up in a family of accountants, Caitlin valued money and the importance of financial independence. The significance of these principles has grown with her, especially after starting a family of her own. Seeing people struggle with their finances and how it can negatively impact lives, Caitlin became interested in finance as a career

Management Team


Noella Williams

Noella Williams - Branch Manager, Bonnyville

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.

Nikita Normand - Assistant Branch Manager

Phone: 780-812-3611

Cold Lake

Susan Urichuk-Roth
Susan Urichuk-Roth - Branch Manager, Cold Lake

Phone: 780-594-7641

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.
Kimberley McRae - Assistant Branch Manager

Phone: 780-594-7645

Kimberley has a unique perspective that many of our Cold Lake members appreciate as she grew up in a military family with two brothers.  When she is not spending time with her four children and two grandchildren, she likes to create beautiful quilts or curl up with a good book.  Her friends will let you know she loves 80's memorabilia and is a self-proclaimed Star Wars geek.

Kimberley helps by taking members on a financial journey daily in all aspects of her advice.  From daily transaction questions to investing for retirement and making big purchases, Kimberley guides her members in achieving financial freedom and individual fiscal goals.


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