Meet Our Lenders in St. Cloud

Rick Virnig
President - St. Cloud

Rick joined our team in September 2015.He has over 20 years of banking experience, 15 of which have been in the St. Cloud community. He enjoys partnering with business owners to provide financing options for equipment, real estate, inventory and expansion. Rick graduated from St. John’s University with a degree in Economics. In his free time he enjoys spending time outdoors with his wife and 3 boys camping, fishing and watching the boys play ball.

Joy Schafer
Branch Manager

Joy is a pioneer with our team, being here since 1995. Starting as a teller and processor, she has worked in almost all aspects of the office. She loves to get to know her customers and help when ever possible. She loves watching a variety of sporting events with her family.

Tammy D Reis
Tammy D Reis

Phone: 320-253-0142
3210 W Division Street
Saint Cloud MN 56301

American National Bank of Minnesota is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools that enable you to make sound financial choices.

Email:  | Apply Now With Tammy