Meet Our Lenders

Michelle Miller has been with CNB for 22 years, building a strong reputation for exceptional customer service and financial expertise. Throughout her career, she has held roles in branch operations, management, and residential banking, ensuring customers receive the support they need at every stage. Actively involved in the Indian River community, Michelle is a member of the Kiwanis Club, fundraises for Ronon’s Place, and volunteers for local food distributions and blood drives. Known for her dedication and teamwork, she is committed to helping customers achieve their financial goals with personalized solutions.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Steve Crusoe has been a trusted mortgage expert for over 35 years – all with CNB. Since starting in 1987, he has guided countless customers through the home financing process, offering expert advice on loan options, refinancing, and homeownership strategies. His deep knowledge of the mortgage industry and commitment to customer service have made him a go-to resource for homebuyers in the community. Active in Cheboygan County, he is involved with Ducks Unlimited, the Cheboygan Farmers Market, and the Cheboygan Catholic Community. He and his wife, Mary, also own and operate Golden River Orchard.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Sharon Coppernoll has been with CNB since 2002, gaining experience across multiple departments before specializing in mortgage lending in 2011. With extensive knowledge of home financing, she is dedicated to helping customers purchase their dream homes, fund renovations, and navigate life’s financial milestones. Sharon has earned multiple diplomas and certifications from the American Bankers Association, reflecting her commitment to excellence. She also serves as treasurer for the Cheboygan Sports Boosters. Known for her expertise and attention to detail, she provides exceptional service to customers seeking personalized mortgage solutions.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Michelle Miller has been with CNB for 22 years, building a strong reputation for exceptional customer service and financial expertise. Throughout her career, she has held roles in branch operations, management, and residential banking, ensuring customers receive the support they need at every stage. Actively involved in the Indian River community, Michelle is a member of the Kiwanis Club, fundraises for Ronon’s Place, and volunteers for local food distributions and blood drives. Known for her dedication and teamwork, she is committed to helping customers achieve their financial goals with personalized solutions.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Regina has over 20 years of national banking and finance experience, with a passion for mortgage lending. Since joining CNB in 2019, she has played a pivotal role in guiding local families through the home-buying process, ensuring a smooth journey from application to homeownership.  Regina's professional expertise and dedication to the community make her a trusted resource for customers and referral partners, reinforcing her reputation as a knowledgeable and reliable residential mortgage lender in Emmet County.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Michelle Miller has been with CNB for 22 years, building a strong reputation for exceptional customer service and financial expertise. Throughout her career, she has held roles in branch operations, management, and residential banking, ensuring customers receive the support they need at every stage. Actively involved in the Indian River community, Michelle is a member of the Kiwanis Club, fundraises for Ronon’s Place, and volunteers for local food distributions and blood drives. Known for her dedication and teamwork, she is committed to helping customers achieve their financial goals with personalized solutions.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.

Regina has over 20 years of national banking and finance experience, with a passion for mortgage lending. Since joining CNB in 2019, she has played a pivotal role in guiding local families through the home-buying process, ensuring a smooth journey from application to homeownership.  Regina's professional expertise and dedication to the community make her a trusted resource for customers and referral partners, reinforcing her reputation as a knowledgeable and reliable residential mortgage lender in Emmet County.

Mortgage Application Checklist

Ashley Waldie has been a key part of the CNB team since 2019. Starting in the collections department before moving into consumer lending, she played a pivotal role in building and developing the bank’s consumer loan department. With a strong commitment to customer service, Ashley works closely with clients to find the right financing solutions for vehicles, RVs, personal loans, and more. Her dedication to making the lending process smooth and stress-free ensures customers receive the best possible experience at Citizens National Bank.