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Consumer Lenders

Mark Burmis

Mark Burmis

Senior Vice President
Direct: 734.385.1136
Fax: 734.475.7740
NLMS #401631
[email protected]

Mark Burmis joined Chelsea State Bank in 2010 as Vice President, where he manages the residential and consumer lending portfolio for the bank. Mark has over 26 years in the banking industry and gained his lending experience as he moved through the ranks at two community banks. Sixteen of those years were at another local community bank where he was Vice President of Lending.

Mark is a graduate of the Robert M. Perry School of Banking and Lending and sits on the Board of Directors for the Chelsea Area Chamber of Commerce. He received his Bachelor of Arts in Business Administration from Olivet College.

Mark resides in Jerome with his family.

Download Mark’s Bio (PDF)

Dawn Kalusha

Dawn Kalusha

Assistant Vice President
Direct: 734.385.1134
Fax: 734.475.7740
NLMS #441382
[email protected] 

Dawn Kalusha has been in banking for over 20 years. She joined Chelsea State Bank as a consumer loan officer in March 2011 and was promoted to Assistant Vice President in 2012. Prior to joining Chelsea State Bank, she was a branch manager and loan officer for another community bank. 

She is a 2010 graduate of the Robert M. Perry School of Banking and holds a license in Title Insurance. Kalusha has also obtained her branch manager certification from the Michigan Banker’s Association.

Kalusha is the treasurer of Stockbridge Community Outreach.

Download Dawn’s Bio (PDF)

Nancy Zander

Nancy Zander

Consumer Loan Officer
Direct: 734.385.1129
Fax: 734.475.7740
NLMS #1310918
[email protected]

Nancy Zander is a career community banker with over 25 years of experience. She has moved through the ranks with Chelsea State Bank starting as a Head Teller in the Dexter Branch Office in 2000, moving to Assistant Branch Manager in 2009, Loan Processing Clerk in 2013, Consumer Loan Representative in the main office in 2015, and most recently to her current position as Consumer Loan Officer in 2017.

Nancy enjoys meeting with customers to help them determine the best loans to fit their needs.

Nancy is a certified Notary for the Bank and has her NMLS License. She is a proud graduate of Chelsea High School.

Download Nancy’s Bio (PDF)

Lisa Baleja

Lisa Baleja

Dexter Branch Manager
Direct: 734.426.6666
NLMS #749840
[email protected]

Lisa joined Chelsea State Bank as Dexter Branch Manager in August 2014. She has over 10 years of managerial experience in the competitive retail banking industry. Before joining Chelsea State Bank, Lisa served as Branch Manager at Charter One Bank (now Citizens Bank) in Pinckney, Mich. She also has several years of experience in retail management and human resources.

Lisa holds a Bachelor of Science degree in Business Administration and Human Resources from the University of Michigan Dearborn. 

Download Lisa’s Bio (PDF)

Commercial Lenders

Mary Lee Penney

Mary Lee Penney

Executive Vice President
Direct: 734.385.1137
Fax: 734.475.7740
[email protected]

Mary Lee Penney is Executive Vice President, Director and Commercial Loan Manager at Chelsea State Bank. She has over 30 years of commercial banking experience. She joined Chelsea State Bank as a Vice President of Commercial Lending in 2002. Prior to being hired by Chelsea State Bank, Mary Lee worked at National City Corp., (now PNC), and Bank One (now Chase).

Mary Lee is a Rotarian and on the Board for Chelsea Rotary Club as Treasurer. She is a past officer with the Michigan Bankers Association.

Mary Lee earned her Bachelor of Business Administration Degree from Western Michigan University, and her Master of Science Degree in Finance from Walsh College.

Download Mary Lee’s Bio (PDF) 

Steve Saules

Steve Saules

Loan Officer
Direct: 734.385.1114
Fax: 734.475.7740
[email protected]

Steve Saules joined Chelsea State Bank in 2012 as Vice President and Commercial Loan Officer. He has nearly 30 years of banking industry experience. He previously worked at Key Bank and Bank One (now Chase) as a Commercial Banker and loan officer.

Steve is Vice Chairman of a non-profit Board for Community Living Services, Inc., and a board member of the Chelsea United Way. He previously served on the Board of the Michigan Business Brokers Association. He earned his Bachelor of Business Administration Degree in Finance from the University of Michigan, and his MBA from Wayne State University.

Download Steve’s Bio (PDF)

Jim Wolfington

Jim Wolfington

Loan Officer
Direct: 734.385.1131
Fax: 734.475.7740
[email protected]

Jim Wolfington joined Chelsea State Bank as a Vice President in commercial lending in 2007. Now with over 30 years in the industry, he previously worked at Bank of Ann Arbor, National Bank of Detroit (now Chase) and Bank of Galesburg (now First Midwest Bank).

Jim earned his Bachelor of Arts degree in Economics from Knox College and his Master of Business Administration in Finance from the University of Iowa.

As a local community banker, Jim is treasurer of Lurie Terrace, an Ann Arbor senior apartment community and serves on the Ann Arbor Community Board of Ele’s Place, a not-for-profit organization to support grieving children. Jim is also active in the Ann Arbor Kiwanis Club. He was formerly on the Boards of Directors at Michigan Ability Partners and the Humane Society of Huron Valley. Jim received the 2018 Community Spirit Award from the Federal Home Loan Bank of Indianapolis for his efforts supporting affordable housing in Ann Arbor and Chelsea.

Download Jim’s Bio (PDF)

Matthew E. Noggle

Matthew E. Noggle

Agricultural Lender
Direct: 734-385-1311
Fax: 734.426.6666

Matthew E. Noggle joined Chelsea State Bank in January of 2017 as an Agricultural Lender. His duties include expanding the bank’s agricultural portfolio in Jackson, Livingston, Ingham and Washtenaw counties, as well as commercial lending.

Matt joins Chelsea State Bank with a lifetime of experience in farming, as a partner in his family-owned farm in Manchester, Mich., and four years as a loan officer for the Bank of Colorado specializing in ag lending.

Graduating from Colorado State University, in Ft. Collins, with a dual Bachelor of Science in Animal Science and Agricultural Business, Matt also studied at the Institute of Agriculture Technology on the campus of Michigan State University in East Lansing, then received an Associates of Animal Science from Connors State College in Warner, Okla.

Matt is active in community service and is a member of the Michigan Farm Bureau, Michigan Cattleman’s Association, and is an assistant coach for the Washtenaw County Livestock Judging Team. In Colorado, he was active in many associations including the West Yuma Chamber of Commerce as a Board Director and a coach for the Yuma County 4-H organization.

Matt understands the financial needs of the local farmer as well as the major agribusiness distributor.

Call Matt today at 734-385-1311.

Download Matt’s Bio (PDF)

Mark McCulloch

Mark McCulloch

Loan Officer
Direct: 734.385.1306
Fax: 734.426.6666
[email protected]

Mark McCulloch joined Chelsea State Bank in 2011 as Vice President and Commercial Loan Officer. He has extensive commercial loan experience including 16 years with National Bank of Detroit and seven years of community banking with Detroit Commerce, a Capitol Bancorp affiliate in Detroit and two years at Citizens Bank.

Mark received his bachelor’s degree in Business from the University of Michigan Dearborn, and is a Certified Public Accountant.

Mark has served as a board member of the Chelsea United Way, the Walsh College Financial Advisory Committee and the Friends of Detroit Public Library.

Download Mark’s Bio (PDF)