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Introducing the Business and Ag Financial Centre Team
Laci Cowan
Advisor | Business and Ag Financial Centre
Lloydminster
Karen Hilts
Sr. Advisor | Business and Ag Financial Centre
Lloydminster
Lexi Kurjata
BSc - AgBus
Sr. Advisor | Business and Ag Financial Centre
Lloydminster
Raven Luchinski
Account Advisor | Business and Ag Financial Centre
Lloydminster
Heidi Mark
Advisor | Business and Ag Financial Centre
Lloydminster
Kaley McLeod
B. Sc. Ag., ACUIC
Regional VP, Business & Ag Financial Centre
Lloydminster
Regional VP, Business & Ag Financial Centre
Lloydminster
Jessica Retzleff
Account Advisor & Analyst | Business and Ag Financial Centre
Lloydminster
Ron Thompson
ACUIC
Sr. Advisor | Business and Ag Financial Centre
Lloydminster
Dawson Vallier
B.Comm
Advisor | Business and Ag Financial Centre
Lloydminster
Jenna Wall
Sr. Advisor | Business and Ag Financial Centre
Lloydminster
Hello, I’m Laci Cowan, an Advisor at the Business & Ag Financial Centre. I joined Synergy Credit Union in May 2025, after starting my career in the financial services industry with another credit union in June 2021. My journey has been shaped by meaningful conversations with members and hands-on lending experience, giving me a grounded, people-first approach to financial advising.
My value lies in truly listening—understanding your goals, your challenges, and your vision for the future. I’ve built my expertise by working closely with everyday members, helping them navigate financial decisions with clarity and confidence. I stay curious, connected, and responsive, always striving to grow alongside the members I serve.
Outside of work, I love spending time in the kitchen—baking and cooking for the people I care about. I also find peace and perspective in the mountains, where I can recharge and reflect in the company of nature and good friends.
I’m passionate about giving back and being part of something bigger. Community involvement gives me the chance to make a real impact and contribute to the strength and well-being of the place we all call home.
I specialize in a range of services tailored to business and agriculture, including:
- Business Mortgages & Loans
- Agriculture Mortgages & Loans
Whether you're expanding your operation, investing in new equipment, or planning for the future, I'm here to support your success. Let's connect and explore how I can help you move forward.
Email: Laci.Cowan@synergycu.ca
Ph: 306-500-6973
LinkedIn | Laci Cowan
Hello, I'm Karen Hilts, a Senior Advisor at the Business & Ag Financial Centre. With over 25+ years of local experience, I bring a unique perspective to understand your needs and wants.
As a local expert, I'm agile and well-prepared for both expected and unexpected events in our communities. I specialize in assisting with commercial and agricultural needs, whether you're starting up, growing, or planning for succession. I can also help developers with pre-sold, spec, or lot purchases, as well as professionals in specialized industries to achieve their unique goals.
Giving back to the community is a core value for me. I volunteer at numerous non-profit, agricultural, school, and financial literacy events, ensuring I contribute to the growth and development of the community I call home. Synergy's support inside and outside of work hours speaks volumes about our commitment to the community.
Whether you're on either side of the border, I can assist you with commercial financing, agricultural financing, provide local advice, and collaborate with you to find the best products and services.
Let's connect and explore how I can support your financial goals. Contact me today!
Hi there! I'm Lexi Kurjata, a Senior Advisor with the Business & Ag Financial Centre. Although I joined Synergy in 2021, I've been in the financial industry since 2019.
Understanding your operations and goals is my top priority. I take the time to consult with members, creating a clear path to achieve their financial goals while ensuring overall financial well-being.
With a Diploma in Business Management and a Bachelor's degree in Agribusiness, I bring a strong educational background to provide you with expert guidance.
When I'm not working, you can find me volunteering at the Frenchman Butte Museum. Being involved in the community allows me to support those who support us and to connect with new people in the area.
As an advisor, I can assist you with commercial and agricultural mortgages, as well as loans. Let's work together to find the best solutions for your financial needs.
Ph: 1-306-500-5038
Hi there! I'm Raven Luchinski, an experienced Account Advisor with the Business & Ag Financial Centre Team at Synergy. With over 10 years in the industry, I understand the unique needs of small businesses, commercial ventures, and agricultural operations in our communities. I'm here to help you achieve your financial goals and provide timely support through thick and thin.
As your account advisor, I'm here to assist you with a range of services, including small business, commercial, and ag account openings. I can also guide you through various cash management services, such as Customer Automated Funds Transfer (CAFT) services and digital (online) banking options. And if you're looking for investment planning, rest assured that I've got you covered with guaranteed business and ag investment solutions.
In addition to my professional achievements, I take pride in volunteering with organizations like Meals on Wheels and continuously seeking opportunities to learn and grow. Community service is a driving force for me, as it allows me to contribute to the betterment of our communities and build strong connections.
Now, for a fun fact about me— I'm an avid DIYer, always finding inspiration from Pinterest and embarking on exciting projects.
Let's connect and discuss how I can help you thrive financially. Reach out today, and let's get started on achieving your goals together!
Hey there, I'm Heidi Mark, an Advisor at the Business and Ag Financial Centre. With a career spanning over 24 years, I joined Synergy in June 2014, bringing a wealth of industry experience and expertise.
My focus is on serving both Agriculture and Small Business members, providing personalized advice and tailor-made solutions that fit your unique needs. I understand the importance of flexibility for you, your business, employees, and your family. I'm deeply committed to our community, staying connected and knowledgeable about the industries that drive our local economy.
With a UofS Diploma in Agriculture, specializing in Multiple Enterprise Management, I strive to stay engaged with local communities. I volunteer at various agriculture and business events, chairing the Lloydminster Farmers' Bonspiel since 2008. Additionally, I represent the Lloydminster Chamber as a Member Representative on the Chamber Member Relations Committee.
Giving back and making a positive impact is something that truly makes me feel good. It's an honour to contribute my time to better the lives of the people and the place we call home.
Now, here's a fun fact about me: I was the Saskatchewan Dairy Princess in 1993!
As your Advisor, I'm here to help develop and manage Ag and Commercial Small Business relationships. I can assist you with day-to-day banking, investing, borrowing, and connect you with our exceptional team of partners when needed.
Let's connect and discuss how I can support your financial goals. Reach out to me today, and let's embark on a successful journey together!
Regional VP, Business & Ag Financial Centre
Lloydminster
I'm Kaley McLeod, an experienced financial professional who began my career in 2004 and joined Synergy in 2014. As the Manager of the Business & Ag Financial Centre, I lead a fantastic team of experts with diverse industry experience.
We not only live and support local, we ARE local, which means we understand our economy and the dynamics that drive it. Our deep understanding of the economy allows us to offer a range of products and services designed to improve your financial health, regardless of your industry.
With flexibility and mobility as our strengths, we meet you where and when it suits you best, whether you're on one side of the border or the other.
My team works closely with members to provide personalized advice and flexible solutions for financial wellness. Whether you're starting up, growing, or planning for retirement, we have borrowing, deposit, and cash management options to support you.
In addition to my professional endeavors, I believe in the power of volunteering to strengthen our communities and expand my network. By sharing my time with organizations like The Bea Fisher Foundation and Lloydminster KidSport, I improve the quality of life for others.
On a personal note, music fuels my energy and passion for success. I run on music, the louder, the better!
Let's connect and discuss how we can contribute to your financial success.
Ph: 1-306-500-4972
Hey, I'm Jessica Retzleff, an Account Advisor and Analyst at the Business & Ag Financial Centre. With a strong background in business and a genuine passion for supporting our members' journeys, I joined Synergy in 2009 and returned in 2016 after exploring other Credit Unions.
I bring a personable and knowledgeable approach to my role, dedicated to helping businesses in our communities thrive. Alongside my Business Diploma from Grant MacEwan, I've completed the Indigenous Canada Course and I'm currently pursuing a Business Management Degree through Lakeland College/Athabasca University.
Outside of work, I'm an active volunteer and proud member of Synergy Emerging Leaders. I engage in community initiatives, such as conducting Financial Literacy Presentations in schools, and I cherish the opportunity to connect with the people in the communities we serve.
Fun facts about me? I'm a fan of specialty coffees and lattes, enjoy home store shopping, live music, and have a passion for traveling.
I'm here to support your business's account needs and handle behind-the-scenes tasks for your loan requests. So, let's chat and explore how I can assist you in achieving your business goals.
Ph: 1-306-500-4957
Hello, I'm Ron Thompson, a Senior Advisor with the Business and Ag Financial Centre (BAFC) team at Synergy CU. With a rich experience spanning over three decades in the financial services industry, I have honed my expertise to offer you customized solutions that truly cater to your needs.
I believe in thinking outside the box to craft solutions that meet the individual needs of you and your business. Your success is my priority, and I strive to make a real difference in your financial journey. Backed by a diploma in Business Administration from SIAST, I bring a solid educational foundation to complement my vast experience. Additionally, I hold the designation of Associate of the Credit Union Institute of Canada (ACUIC), which further enhances my expertise.
Beyond my professional life, my true joys revolve around my family—my children and grandchildren enrich my life in countless ways. Moreover, I find immense fulfillment in community service and involvement. Seeing the positive impact of our efforts to make our communities better places to live is genuinely rewarding.
And, if you're wondering about my guilty pleasure, it's coffee! You will always find a cup of coffee in my hand or within reach. It fuels my passion for what I do and keeps me energized to serve you better.
I'm here to assist you with an array of services, including:
- Commercial and agricultural financing on both sides of the border
- Financing of professional corporation and structures
- Income/Rental properties
- Multiple unit properties; hospitality
- Business purchases and expansion, including restructures
- Joint ventures and complex ownership structures
- Farm purchases and expansions
- Financial advice tailored to your needs
Reach out to me, and let's embark on a journey towards your financial success and prosperity.
Ph: 1-306-500-5172
B.Comm
Advisor | Business and Ag Financial Centre
Lloydminster
Hello, I'm Dawson Vallier, an Advisor with the Business and Ag Financial Centre team in Lloydminster.
With a background firmly rooted in Finance and Real Estate, I began my journey with Synergy Credit Union as a summer student in May 2022, initially contributing to the Risk and Compliance team. I transitioned to the Business and Ag Financial Centre in May 2023, where I've been committed to delivering tailored and pragmatic advice to individuals and businesses alike, fostering growth and success.
Credentials/Education:
- Business Administration Diploma: Real Estate Appraisal & Assessment
- BComm - Finance
Beyond the office, I find solace in pursuits such as golfing, attending hockey games, and indulging in powersports. However, my passion extends beyond personal interests. Having experienced the profound impact of community support through involvement in local sports teams during my upbringing, I'm driven to reciprocate that support. Synergy's ethos aligns perfectly with my values, affording ample opportunities to give back and reinforce the community fabric that has shaped me.
On a lighter note, I harbour a guilty pleasure that brings joy and excitement during football season – from September through February, you can bet I won't miss a single Sunday match. It's a tradition I cherish, providing a welcome respite from the rigors of daily life.
I can assist your business with:
- Business loan
- Business mortgage
- Agriculture loan
- Agriculture mortgage
Let's collaborate and transform your financial aspirations into tangible achievements. Reach out today, and together, let's navigate the path to your success.
Book an appointment with Dawson
Email: Dawson.Vallier@synergycu.ca
Phone: 1-306-400-9414
Dawson Vallier | LinkedIn
Since joining Synergy in 2014, and starting in the financial services industry in 2012, I have been dedicated to the success of my members' businesses. I prioritize their needs and provide holistic advice on business startup, growth, and succession. My approach is built on open, honest, and transparent communication, offering flexible solutions tailored to unique member needs. With a deep understanding of the industries that shape our community, I am a trusted advisor committed to your success.
Credentials/Education:
-
Bachelor of Business Administration (2012)
-
FCUIC - Fellow of the Credit Union Institute (2018)
-
Currently pursuing the Management Studies Program designation
My family brings me immense joy and happiness. I am actively involved in various agriculture and business events, as well as non-profit initiatives throughout the year. I am proud to live and work in this community, and I am committed to making it stronger through volunteerism. Volunteering is incredibly rewarding for me, as it allows me to connect with new people and expand my network.
I specialize in commercial and agricultural financing, providing personalized advice and customized solutions to help you achieve your goals.
Let's work together to build a strong financial future for your business.
Ph: 1-306-500-4945
Branch Business and Ag Team
Shaun Henry
Branch Business & Ag Advisor | Synergy Credit Union
Branch Business & Ag Advisor | Synergy Credit Union
Branch Business & Ag Advisor | Synergy Credit Union
I bring over 24 years of experience in the financial services industry, with 22 of those years dedicated to the Credit Union sector. My tenure at Synergy Credit Union from 2011-2019 was a career highlight, and I am thrilled to have rejoined the team since August of this year.
Philosophy:
Your success is my success. My goal is to find the best financial solutions to enhance your financial wellness today and into the future.
Credentials/Education:
- Diplomas in Management and Marketing
Personal Highlights:
Seeing a member release the tension from their shoulders and mind after offering solutions is what drives me each day. I believe it takes a community to raise a family, and the more involved we are as residents, the safer and stronger our community becomes.
Fun Fact:
It’s really tough for me to turn down a chocolate bar!
While my specialty is lending in any capacity, I am here to help with any financial worries. If I don’t have the answer, our great team will work together to find it. Contact me today and let’s begin crafting your business’s financial future.
Book an appointment with Shaun
Email: Shaun.Henry@synergycu.ca
Ph: 1-306-500-6918
Taylor Graham
BSc - AgBus
Branch Business & Ag Advisor | Synergy Credit Union
With a career in financial services that began in 2015, I recently joined Synergy Credit Union to deliver personalized, goal-driven business support to our members. My passion lies in helping entrepreneurs and agricultural leaders navigate every stage of growth with tailored advice and smart financial strategies.
Education & Credentials:
Bachelor of Applied Science in Agribusiness
I can help you with:
- Business & Ag Mortgages
- Business & Ag Loans & Lines of Credit
- Business & Ag Accounts
Outside of work, family is everything to me. I’m always cheering them on from the sidelines, and I’m also a proud pet parent to a furry crew that keeps life lively.
Giving back to the place I call home is deeply rewarding. Community involvement isn’t just about impact—it’s about relationships. I believe in showing up, lending a hand, and building meaningful connections.
Email: Taylor.Graham@synergycu.ca
Phone: 306-500-6856
Jordan Heffner
Branch Business & Ag Advisor | Synergy Credit Union
When did I join Synergy? August 2022
What’s my favourite part of helping members? Helping them reach their financial goals and seeing members succeed.
I can assist you with:
- Lines of credit
- Business loan
- Business mortgage
- Agriculture loan
- Agriculture mortgage
- Credit cards
- Personal loan
- Personal mortgage
Book an appointment with Jordan
Email: Jordan.Heffner@synergycu.ca
Ph: 306-500-1922
Jennifer Wilson
Branch Business & Ag Advisor | Synergy Credit Union
Hello, I'm Jennifer Wilson. For over two decades, I've been dedicated to serving the financial needs of individuals and businesses alike. Since October 29th, 1997, I've proudly been a part of the Synergy Credit Union team.
As your advisor, I don't just offer standard services; I provide personalized guidance tailored to your unique aspirations. My commitment to your success is unwavering, driven by a passion to empower businesses and agricultural ventures. Whether you're just starting out or reaching new heights, I'm here to be your trusted advisor, helping you navigate the financial landscape and turn your dreams into reality.
Community service isn't just something I do; it's a fundamental part of who I am. Each year, I dedicate over 130 hours to various organizations and events, connecting with the vibrant community of Maidstone. These experiences not only fulfill me personally but also provide valuable opportunities for business development and growth.
On a lighter note, I'll confess to a guilty pleasure: indulging in a bit of chocolate. But when I truly seek solace, you'll find me surrounded by the serene beauty of the mountains.
Credentials/Education:
Office Administration Diploma
I can assist you with:
-
Business & Ag Account Services
-
Business & Ag Investment Services
-
Business & Ag Borrowing (Under $1 million or above)
Let's collaborate to transform your financial goals into achievements.
Book an appointment with Jennifer
Email: Jennifer.Wilson@synergycu.ca
Phone: 1-306-500-6903
Marissa Gray
Branch Business & Ag Advisor | Synergy Credit Union
Branch Business & Ag Advisor | Synergy Credit Union
Branch Business & Ag Advisor | Synergy Credit Union
Hi there! I'm Marissa Gray, your Branch Business & Ag Advisor serving the Paradise Hill and St. Walburg branches of Synergy Credit Union. While I joined the Synergy team in 2022, my journey in the financial industry began in 2010, giving me over a decade of experience helping individuals, families, and businesses achieve financial clarity and confidence.
As your advisor, I offer more than just financial services, I provide personalized strategies designed to protect what matters today and build a stronger tomorrow. Whether you're planning for your family's future, growing your business, or navigating agricultural ventures, I’m here to guide you every step of the way.
I actively volunteer at community events both big and small, believing that strong communities are built through shared experiences and mutual support. These moments not only allow me to give back but also help me stay connected to the people and values that make our towns thrive.
I’m married with two children and a dog. I enjoy cooking and baking, and our family loves to travel. In the summer, we spend a lot of time at the lake with our families.
I can assist you with:
- Personal, Commercial & Ag Lending
- Investment Options
- Home Savings Plans
- Personalized Debt Repayment Strategies
- Account Openings & Maintenance
- Credit Card Applications
Let’s work together to turn your financial goals into meaningful achievements.
Ph: 1-306-500-1793
Jensen Attrux
Account Advisor & Analyst | Synergy Credit Union
New Community Branch
Carter Hiebert
Advisor, Business & Ag | Synergy Credit Union
New Community Branch
Patrick Latham
Advisor, Business & Ag | Synergy Credit Union
New Community Branch
Anthony Adeseiye
Manager, Business Advisory Services | Synergy Credit Union
New Community Branch
- New accounts
- Term deposits
- Credit cards
- Wire transfers
- Customer Automated Funds Transfer (CAFT)
Phone: 1-306-500-3037
I’m Carter Hiebert, a proud member of the Synergy Credit Union team since 2023. I began my journey as a Summer Student Member Advisor and quickly discovered my passion for helping members achieve their financial goals. With experience in both consumer and commercial lending, I now specialize in supporting business and agricultural clients with tailored financial solutions.
I hold a Bachelor of Commerce from the University of Saskatchewan, graduating in 2024. During my time there, I was proud to be named to the Dean’s Honour List in both 2021–2022 and 2023–2024, recognizing my commitment to academic excellence.
When I’m not working with members, I’m usually planning my next travel adventure. I’ve explored places like Mexico, the Dominican Republic, Hawaii, and Jamaica—and I’m always looking forward to the next destination.
And as for hockey? I’m a lifelong Montreal Canadiens fan—and yes, I still believe every year is the year we bring the Cup home!
What inspires me most about working at Synergy is how we give back to the communities we serve. That same spirit motivates me to build strong relationships with members who are passionate about making a difference. I believe in the power of local investment and am committed to helping others do the same.
Whether you're launching a new venture, expanding operations, or navigating financial decisions, I’m here to be more than just your advisor—I’m your partner in progress. I bring a relationship-first approach backed by expertise in:
- Commercial Lending Solutions
- Business & Ag Advisory Services
- Financial Planning for Growth
- Community Investment Guidance
Let’s grow your business together.
Email: carter.hiebert@synergycu.ca
Ph: 306-500-7613
I joined Synergy in November 2023, but my journey in the financial services industry began back in 2009 within the credit union system. Over the years, I’ve honed my skills in member service, credit risk analysis, investments, and enhancing the overall member experience.
I’m committed to delivering professional, hand-crafted service, tailored specifically to your needs and objectives. My goal is to ensure that every interaction is positive and that you feel understood and valued.
I take pride in my ability to communicate with members at their level of understanding, which leads to a positive experience in every interaction. Whether it’s simplifying complex financial concepts or providing personalized advice, I’m here to help.
As a youth hockey parent and coach in Saskatoon, I believe that sports teach us invaluable lessons about teamwork, dedication, and overcoming adversity. These experiences shape who we become and instill a sense of accomplishment that lasts a lifetime.
Fun Fact:
I’ve been known to cheer against my own favorite team because my fantasy hockey or football team needed the points. It’s all in good fun and part of the excitement of the game!
How I Can Help:
My areas of expertise include commercial lending and financial advisory services. Whether you’re looking to grow your business or need advice on managing your finances, I’m here to provide the support and guidance you need.
Feel free to reach out to me for any financial advice or services you may need. Let’s work together to achieve your financial goals!
Book an appointment with Patrick
Email: Patrick.Latham@synergycu.ca
Phone: 1-306-500-6761
Hello, I'm Anthony Adeseiye, your Senior Advisor for Business and Agriculture at Synergy Credit Union's New Community Branch. I joined Synergy in June 2023, bringing over a decade of financial services experience.
In my career, I've specialized in credit risk analytics, corporate finance advisory, and consulting services for a wide range of businesses. I've played a significant role in facilitating numerous bilateral and syndicated deal financings, working with multinational corporations, mid-sized enterprises, and emerging businesses.
Credentials/Education Highlights:
- Diploma in Accounting, ACCA
- Project Management Professional (2016), PMI
- BEng Petroleum Engineering
Community involvement is a strong motivator for me. I firmly believe in contributing to social and economic programs to create a positive environment for all. Plus, a fun fact about me – I have a sweet spot for ice cream!
I'm committed to delivering professional, efficient service, and crafting tailored financing solutions that align with your objectives. My areas of expertise include commercial lending and financial advisory services.
Let's connect and work together to achieve your financial goals.
Book an appointment with Anthony
Email: Anthony.Adeseiye@synergycu.ca
Phone: 1-306-985-5190
Solutions for Growth and Success
Business & Ag Loans
Business & Ag Mortgages
Business & Ag Account Packs
Business Credit Cards
Nuggets of Knowledge
Building Your Dream
Boosting Your Bottom Line
Unlocking Your Business's Potential
Scaling Up for Success
Securing the Future
Ensuring a Golden Retirement
Building Your Dream
Boosting Your Bottom Line
Unlocking Your Business's Potential
Scaling Up for Success
Securing the Future
Ensuring a Golden Retirement
Why Should an Entrepreneur Choose Synergy Credit Union?
Why Should an Entrepreneur Choose Synergy Credit Union?
Why Should an Entrepreneur Choose Synergy Credit Union?
Why Should an Entrepreneur Choose Synergy Credit Union?
Inspired by our Members
Paradise Hill Ranch and Western Wear
Guppy’s Car and Truck Wash and Spa
D&A Optometry
Lloydminster Rescue Squad
Mike's Oilfield Services Ltd.
Tasty K's
Fourth Meridian Farms
Southern Spur Ltd.
Moore Family Farm
4th Meridian Brewing Co.
Paradise Hill Ranch and Western Wear
Guppy’s Car and Truck Wash and Spa
D&A Optometry
Lloydminster Rescue Squad
Mike's Oilfield Services Ltd.
Tasty K's
Fourth Meridian Farms
Southern Spur Ltd.
Moore Family Farm
4th Meridian Brewing Co.
