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Commercial Lending Team

Your First National ‘Business Lending Team’

Meet the professional's prepared to give you – and your business the personal attention you deserve and the objective, professional counsel needed to help reach your goals and objectives.
Collectively the First National Business Lending Team brings you
more than 175 years of banking and commercial lending experience.
To find the lender best suited to your situation or business, contact Senior Lender, Marty Smith directly at 517.545.2209 or email him.

Dorothy Harrison – A staple on First National’s Business Lending Team since 2007, Dorothy’s experience as a Commercial Loan Associate, Credit Analyst and Business Banking Specialist now serve her and her clients well in her role as a Commercial Lender. Dorothy describes what she likes most about her role, “Working with clients is a great experience. It’s exciting to help local business owners get the capital they need to nurture and grow their business.” She is a loyal ‘Sparty’ alum and fan. Dorothy enjoys playing euchre, bowling, tailgating and spending time with family and friends. Dorothy and her husband, both originally from Livingston County and Brighton High School graduates, make their home in Fowlerville.

Jim Johnston – A proven relationship builder. Jim describes his client approach as more than a customer experience, striving to be his clients go-to resource. From treasury management to business planning and commercial lending, his goal is to build partnerships rather than a client list. Jim was recognized as a national achiever and #1 in his peer group during his time with a nationwide financial institution. He brings a drive for success, proven commercial banking expertise and a passion for building relationships to each of his First National Bank clients. Jim, along with his wife and two young children, call Brighton home. They’re an active family who love the outdoors and giving back to the community. Jim is and Executive Board Member of Livingston County’s United Way, as well as the Chairperson for Livingston County’s Community Investment Council. He is active in his local Rotary and loves engaging in various volunteer activities with his wife and kids. Make a point to say hello to Jim when you see him around town or at First National!

George King – As the Livingston Market Manager, George plays a key role in the success of First National’s Business Lending Team. He brings a keen insight to the team and customers that is developed from years of working with clients to deliver the financing and capital they need to succeed. George is a genuine team player – a trait developed playing the consummate team sport of basketball from his youth all the way to the collegiate level. A feat that illustrates his discipline and commitment, he takes pride in delivering at that same level for his clients. George is an avid outdoorsman and enjoys coaching his young sons and their teams.

Mark Nowacki – Mark’s clients appreciate how he applies his practical capability and know-how to their business needs and situation. He welcomes the opportunity to bring that same can-do attitude to help grow your business. Mark also has significant experience and responsibility working with clients facing challenges servicing their debt. Doing so has provided him with a very unique understanding and knowledge of how to work through such occurrences and how to prevent them. When he is not applying his unique skillset helping businesses nurture their growth, he enjoys boating, snowmobiling, dirt bike riding, and UM athletics. Mark and his family make their home in Clarkston.

Maureen O’Donohue – A proven private and commercial banker, Maureen shares an expert perspective and wisdom with her clients that can only be gleaned from her diverse and tenured 30 years of experience. According to Maureen, “I strive to understand my clients’ and their businesses. Knowing my clients' needs allows me to better assist them in achieving their goals. Whether that translates into needed temporary or permanent working capital to fund increased sales – and working with the client to create monthly projections demonstrating the revised borrowing formula. Or, working with clients who need or want a new facility and working with them to determine if traditional or perhaps SBA financing is the best solution. I listen to the clients’ requests, needs, wants and concerns which typically provide a roadmap to tailoring the best suited financing package. Meeting and exceeding clients’ expectations is very fulfilling!” As a branch banker, Credit Analyst, Commercial Loan Officer, Credit Manager and SVP of Private Banking, Maureen has done and seen it all (well most all). When not helping clients grow their business, you will find Maureen mountain biking, playing volleyball and spending time with family. Maureen and her husband have a son who is an MSU graduate and now an Officer in the US Marines. Maureen describes her family as huge Spartan fans and big supporters of the Marine Corp.

Joe Petrucci – Joe is a ‘go to’ resource on the First National Business Lending Team and within the community. He knows the local economic landscape well – the result of over 40 years of banking expertise – 23 right here in Livingston County. It is for this reason that Joe believes, “First National understands local businesses better than banks that only have branches here. We are all about building relationships because our customers are our neighbors, not a number on a piece of paper.” Joe and his wife are longtime Hartland Township residents. He is very active in a variety of community, civic and governmental roles. As former band member who played a mean bass guitar and trumpet, Joe still enjoys all types of music.

Vivianne Rousseau – An experienced banker, Vivianne’s banking mantra has always been ‘it’s about more than just great customer service, it’s about making certain customer needs are met’. She’s done just that for 30 years. As an underwriter, credit analyst, field auditor, SBA lender and now as a Portfolio Manager. Vivianne earned her Bachelors Degree in Economics from UM-Dearborn and a Masters Degree in Finance from Walsh College. She puts those fundamentals and the wisdom earned over her life – she immigrated to the United States from the Philippines at a young age, and her career to use every day for her clients. She and her husband make their home in Farmington Hills. She is an avid cyclist, even traveling to cycle new and unique places, and can be found on her bicycle often when not working on behalf of her clients.

Cheryl Vogelmeier – Building relationships is the cornerstone of Cheryl’s decades-long banking career. An experienced commercial banker, Cheryl has donned many banking hats. From branch manager to relationship banker to her current role as a Commercial Lender, Cheryl brings experience, wisdom and a practical approach to solving her customer’s needs. She epitomizes the MSU alumni mantra, ‘Spartans Will’. Cheryl and her husband make their home in Lake Orion. They are proud of their grown son and daughter, just ask how the kids are doing. When she’s not helping customers get the capital they need to grow their business, she enjoys traveling and playing with her fur-baby, Max.

Rob Rose – As the bank's Oakland Market Manager, Rob is committed to treating Oakland County clients to the same hometown, 'Main Street' values and expertise that First National is known for in Livingston County. He is a proven commercial lender with decades of experience helping him better understand what business owners want, need and expect from their banker – and he delivers it! When not serving clients, Rob and his wife are quite active and enjoy most sports, boating and concert going. They have four grown children and reside in Highland Township.
Marty Smith – As First National's 'Senior Lender', Marty oversees the Business Banking Team and the bank's efforts to provide the right borrowing solutions for you and your business. Whether your business is in manufacturing, wholesale, service, IT or the construction sector, Marty and his team stand ready to assist. Keenly aware of the critical role financing plays in the success of any venture, he can help from planning and start-up to expanding your enterprise. Marty brings a wealth of banking expertise and insight to the Senior Leadership Team at First National along with a continued commitment community banking - where the best decisions are made face-to-face and based on common sense bank solutions. He and his lovely wife call Brighton home and when he is not working with clients and their business, he is at work on the family orchard.
Two businesspeople working at table
Treasury Management

Efficient services for your business to thrive.

Equip your business with the tools for success: Cash Management, Positive Pay, Remote Deposit and more.

Treasury Management Overview