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Business Lending

Financial solutions crafted for your business

Countless factors affect a business’s financial profile and cash flow needs, which is why cookie cutter products and services may not provide the best solution. Let our loan professional help you!

Ken Kozma profile picture

Ken Kozma
Sr. VP and Chief Lending Officer
  • Ken is Senior Vice President and Chief Lending Officer. He is based at our Main Branch. Ken began working at St. Johns Bank as a teller, moved over to the commercial lending department in 2003 and was named Chief Lending Officer in 2015. He is a graduate of the Graduate School of Banking and has a Master’s Degree in Finance from Lindenwood University. You can reach Ken at (314) 428-1000 ext. 3903 or kkozma@stjohnsbank.com.

Brian Buster profile picture

Brian C. Buster
VP and Commercial Loan Officer
  • Brian is a Vice President and Commercial Loan Officer at our Cave Springs Branch. Brian holds a Bachelor's Degree from the University of Missouri- Columbia and an MBA from Maryville University. He has more than 20 years of experience in the financial services industry, including 11 years in banking. Brian can be reached at (636) 939-3495 ext. 3919 or email him at bbuster@stjohnsbank.com for assistance with all your business banking needs.

Mary Ems profile picture

Mary Ems
VP and Commercial Loan Officer
  • Mary is Vice President and Commercial Loan Officer at our Bridgeton Branch. Mary holds a Bachelor’s Degree in Finance from Saint Louis University. She has more than 25 years of experience in the banking industry, including 17 years in commercial lending. She has helped businesses of all sizes and types obtain financing, although her focus has been commercial real estate related lending. Mary can be reached at 314-428-1059, ext. 3745 or by email at mems@stjohnsbank.com for assistance with your commercial banking needs.

matt gerst profile picture

Matt Gerst
VP and Commercial Loan Officer
  • Matt is a Vice President and Commercial Loan Officer. He is based at our O'Fallon, MO location. Matt began working at the bank in January 2014 and was the Senior Credit Analyst until he became a Loan Officer in 2017. Matt has worked in the banking and finance industry since 2009 and specializes in financial analysis. Matt can be reached at (314) 428-1059 ext. 3691 or by email at mgerst@stjohnsbank.com.

eric piercefield profile picture

Eric Piercefield
VP and Commercial Loan Officer
  • Eric is a Vice President – Commercial Loan Officer at our Main Branch. Eric holds a Bachelor’s Degree in Economics from Eastern Illinois University and has nearly 20 years of experience in the banking industry. He has worked with small to large businesses assisting them with their cash management and various loan product needs. Eric has provided financial solutions to numerous industries including auto, construction, computer and IT, health care, manufacturing, real estate, and retail. Eric can be reached at 314-428-1059 Ext. 3581 or by email at epiercefield@stjohnsbank.com.

john uthoff profile picture

John Uthoff
VP and Commercial Loan Officer
  • John is a Vice President and Commercial Lender at the O'Fallon branch. John has many years of commercial lending experience and has been working at St. Johns Bank since 1999. John can help you with any of your loan needs but specializes in commercial real estate. You can reach John by calling (636) 978-7404 ext. 3609 or emailing him at juthoff@stjohnsbank.com.

greg jensen profile picture

Greg Jensen
Asst. VP and Commercial Loan Officer
  • Greg is an Assistant Vice President and Commercial Loan Officer with an office at our Harvester Branch. In addition to more than 10 years banking experience with St. Johns Bank, he has more than 18 years of retail management experience. He is ready to help you with any of your business lending needs from lines of credit to commercial real estate. Call Greg at (314) 428-1059 ext. 3291 or email him at gjensen@stjohnsbank.com.