Lending Team

Lending Officers

South Ottumwa Savings Bank is uniquely qualified to help you with your lending requests as our Loan Departments have over 454 years of experience.

Tim Brcka

Senior Vice President, Senior Loan Officer, 320 Church Street, Ottumwa IA

Tim has over 30 years of experience in the banking and finance industry. He is a graduate of the University of Iowa earning a bachelor of business administration degree in finance. Tim is responsible for the management of South Ottumwa Savings Bank Loan Department. He presently serves on the Ottumwa YMCA Board, Ottumwa Regional Airport Advisor Board, and is a member of the Ottumwa Noon Lions Club.


Doug Anderson
Vice President of Business Development/Commercial Loan Officer, 320 Church Street, Ottumwa IA

Doug's educational background is in Management & Marketing from Black Hawk College as well as a long career in Retail Store Management. He is a member of the Ottumwa Rotary Club as well as a Board Member for the Ottumwa Chamber of Commerce. He graduated from the Ottumwa Leadership Academy in 2014.

Doug is married to Roxanne and has 3 daughters. In his free time Doug enjoys playing golf.


Dawn Benedict
Vice President, Loan Officer, North Court Bank Manager, North Court Bank, Ottumwa, Iowa

NMLS# 780275

Dawn works with Real Estate, Consumer and Commercial Lending and is also the Branch Manager of the North Court location in Ottumwa. She graduated from Indian Hills Community College and has been in banking for over 25 years. Dawn is a member of the Agency AN TTT Group, Agency 4th of July Celebration Committee and Cardinal Community Schools A Club. She is a 2015 graduate of the Ottumwa Leadership Academy. She enjoys volunteering in the community and spending time with her family. She is married with 2 children


Jason Cassady
Vice President

NMLS# 805421

Jason has been with West Liberty State Bank since 2002. He does Real Estate, Consumer, Agricultural and Commercial Lending. He graduated from Iowa State University with a Bachelors Degree of Science. Jason is a member of Rotary, St. Joseph Church and West Liberty Chamber of Commerce.


Becky Davis-Dimmitt
Vice President, Ag Loan Officer, 320 Church Street, Ottumwa IA

Becky is a native of Ottumwa and has been in banking since 1983. She is actively involved in farming with her husband, Wendell, for the past 20 years. She enjoys the outdoors and gardening.


JJ Garcia
Vice President of Business Development / Real Estate and Commercial Loan Officer

NMLS# 641591

J.J. started at West Liberty State Bank in the spring of 2016 and is a native of West Liberty where he resides with his wife Kelsie and 3 children. He has 11 years of banking experience with 6 of those years specializing in real estate lending and banking relationships. He serves his community as the president of the Park and Recreation Board for the City of West Liberty and enjoys playing softball and golf.


Penny J. Reed
Vice President, Loan Officer, 320 Church Street, Ottumwa IA

NMLS# 780091

Penny works with Real Estate, Consumer and Commercial Lending. She graduated from Indian Hills Community College, Ottumwa, Iowa and the Financial Institute of Education, Chicago, Illinois. Penny has been in the banking industry for 34 years. She joined South Ottumwa Savings Bank in 1992. She currently serves on the Foundation Board for the Wapello County 4 H Expo and is the Pageant Coordinator for the Expo. Penny is an active member of the First Baptist Church in Ottumwa.

Penny is married to Randy and they live on a farm raising cattle, hogs, sheep and crops. She has a daughter, son and three grandsons.


Beth Riley
Mortgage Loan Originator, 320 Church Street, Ottumwa IA

NMLS# 1466911

Beth has been with South Ottumwa Savings Bank since 2000 and works with Real Estate and Consumer Lending with prior experience in loan processing and deposit services. She graduated from Buena Vista University with a Bachelor’s of Arts Degree in Finance and Banking with focus areas in Business Management and Sociology. Beth is an active member of the Bridge Church in Ottumwa. She enjoys volunteering in the community, traveling, outdoor activities and spending quality time with family.


Mike Sprau
Vice President, Commercial Loan Officer, 320 Church Street, Ottumwa IA

Mike is an Iowa Native growing up in North Central Iowa. He has an Associate’s Degree in Business Management from Kirkwood Community College, Bachelors Degree in Business Management / Finance from the University of Iowa and over 20 years experience in lending / banking relationships.

He has 10 years experience specializing in commercial lending / banking relationships.