Member Chat

Real Careers. Real Member Advice.

Straightforward and easy going chats to provide real guidance.

We all live busy lives that are full of choices and decisions. But we are here to provide you with information and options, and more importantly, plans to meet your goals. Come in for a quick Member Chat and we promise to do 1 or 2 easy things to help you right away. 
We’re helping, not selling.

So contact us now and let’s start chatting!


Financial Advisors

Bonnyville


Ciedezha Bilar

Ciedezha Bilar


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 Financial 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
Linda Kwiatkowski

Phone: 780-812-3649

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


Wendi Will
Wendi Will


Phone: 780-594-4011

Wendi joined LCU as a teller in 2015. Soon after, she was promoted to the role of Financial Advisor Support, and thereafter to the role of Financial Advisor.  If you are a personal or business member looking to open a chequing, savings, credit card, or term deposit account, or if you have questions about your current accounts, you will likely meet with Wendi.  She will use her customer service skills and her innate helpfulness to help you find the best products and services for your needs.  She brings previous financial industry experience and a diploma in early childhood education to the job. That education may seem unrelated, but Wendi puts it to good use delivering lessons on smart saving and spending as a member of our financial literacy team.  Wendi enjoys meeting people, especially the people behind our local businesses.



Rickilee St. Amour

Phone: 780-594-4011


Consumer Lending Team

Bonnyville


Sara Kemmer
Sara Kemmer


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.





Shirley Penrice

Phone: 780-812-3630

It was 1982 when Shirley Penrice joined the financial services field, and it was 2000 when she joined Lakeland Credit Union. The Lakeland Credit Union profit sharing program is an advantage Shirley is excited to share with her members.  She’s continuously upgraded her training throughout her career, and she’s filled positions ranging from teller to manager. No matter the position, her favourite part of the job has always been working with people.  She knows every member is different and she strives to match each of her members with the products and services that fit them just right.

Cold Lake



Linda Fillier

Phone: 780-594-7635

It was 1997 when Linda Fillier joined Lakeland Credit Union as a teller. She undertook a few courses, learned on the job, moved on to a loan support position, and then into her current role as consumer lender.  The satisfaction of helping members into their dream homes, dream cars, dream boats, and more, is a big part of what keeps Linda coming back to work every day. Members appreciate her experience and her professionalism, and co-workers appreciate her gentle nature and keen sense of humour.



Shani Daw
Shani Daw

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.



Susan Urichuk-Roth
Susan Urichuk-Roth


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.



Commercial Lending Team

Bonnyville


Huguette Coulombe
Huguette Coulombe


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

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
Catherine Han

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).



Federico Ramirez
Federico Ramirez

Phone: 780-594-7638

With a degree in finance, an MBA specializing in finance, and work experience as a financial analyst, Federico Ramirez has the background and education to understand the numbers behind the business.  Federico focuses on the Oil, Gas & Heavy Equipment and hospitality industries. He keeps his colleagues on top of the latest news in these industries.  He appreciates that oil and gas and tourism are pertinent to our economy, and he enjoys working to help build local businesses and families. After work, Federico is an active volunteer with the Cold Lake Ag Society and Cold Lake Big Brothers Big Sisters.



Commercial Credit Analyst Team

Bonnyville


Beau Ferbey
Beau Ferbey

Phone: 780-812-2842

In his role as commercial credit analyst, Beau provides back end services and advice to support our commercial lending portfolio. He takes a special interest in the local transportation and real estate industries and helps keep his colleagues up to date in these areas.  He has a Bachelor of Management degree with a focus in finance and leadership. As a native Bonnyvillian, Beau has played on the Bonnyville Pontiacs hockey team, and has spent over a decade working summers at the Bonnyville golf course. His grandfather owned a local pharmacy for 65 years.  Needless to say, he knows a lot of people in the area, and is familiar with the ins and outs of our local economy.  Beau’s favourite part of his role is the interesting people and the variety of business ideas he comes across.



Francis Kha
Francis Kha

Phone: 780-812-3645

After earning a Bachelor of Commerce with a major in Management, Francis joined LCU as a commercial credit analyst in 2014. He provides back end services and advice to support our commercial lending portfolio, and is known for his superior computer skills and grasp of financial concepts. He takes a particular interest in our local healthcare and construction industries and helps keep his colleagues up to date in these areas. Francis’ parents own a small business, and he grew up helping around the store and seeing the hard work that goes into running a business. Today, he enjoys meeting business owners and seeing the dedication they put into their businesses.



Cold Lake


Candice Coultis
Candice Coultis

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.



Wealth Advisors

Bonnyville & Cold Lake


Bobbi Read
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
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 as a teller. After rapidly advancing her education, Krista obtained the CERTIFIED FINANCIAL PLANNER© designation in 2014, and she joined LCU Financial shortly thereafter. 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 looks forward to advancing her education even further in the coming years. 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.



Management Team



Rama Alluri
Rama Alluri
Associate Vice President, Business Development

Phone: 780-201-2663

As our Associate Vice President of Business Development, Rama leads our business lending team and manages our Cold Lake branch. Rama has a B.A. in Economics and an MBA in Finance, and has supplemented that education with over 11 years of sales management and leadership experience in commercial and retail banking.  Rama enjoys learning about the business owner and the business cycles, and finding out how LCU can help the business through those cycles.  Rama is passionate about leading engaged teams and growing LCU’s commercial and retail portfolios.



Bonnyville


Noella Williams
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
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.



 

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