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Meet the Team That Helps Your Business or Farm Thrive
Laci Cowan
Advisor
Lloydminster
Karen Hilts
Sr. Advisor
Lloydminster
Raven Luchinski
Account Advisor
Lloydminster
Heidi Mark
Advisor
Lloydminster
Kaley McLeod
B. Sc. Ag., ACUIC
Director, Business Banking
Lloydminster
Director, Business Banking
Lloydminster
Jessica Retzleff
Account Advisor & Analyst
Lloydminster
Ron Thompson
ACUIC
Sr. Advisor
Lloydminster
Dawson Vallier
B.Comm
Advisor
Lloydminster
Jenna Wall
Area Manager, Agriculture and Commercial
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 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 honor 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!
Director, Business Banking
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
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 harbor 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:
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Bachelor of Business Administration (2012)
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FCUIC - Fellow of the Credit Union Institute (2018)
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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
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