Commercial Lending Team

To grow your company, you need access to the right capital and the educated advice. Our team of experienced Business Bankers works closely with business owners to help them achieve their goals, whether that is purchasing real estate, equipment, optimizing cash flow, or evaluating the potential of new opportunities. We're local experts who base our success solely on yours.

Champions of Local Business

Brett Engelking

Mukwonago

262-446-8104

Meet Brett

Ryan Lilly

Mukwonago

262-378-4919

Meet Ryan

Ryan Dahms

Mukwonago

262-378-4918

Meet Ryan

Mitch Grulke

Waukesha

262-446-8101

Meet Mitch

Stephen Boldt

Eagle

262-309-6347

Meet Steve

Brandon Hutchinson

Waukesha

262-446-8112

Meet Brandon

Emily McCulloch

Muskego

262-309-6414

Meet Emily

Bryan Sobczak

Genesee

262-309-6436

Meet Bryan

Brett Engelking

Senior Vice President - Business Banking Manager
262-446-8104
301 N. Rochester St., Mukwonago
BEngelking@CitizensBankWI.bank
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Brett came to Citizens Bank in 2011. Prior to his career in banking, Brett worked for 20 years in land use, development, public planning, and zoning. His understanding of the many aspects of real estate gives his clients a unique edge when completing real estate transactions. Brett is a graduate of the University of Wisconsin – Madison as well as the Graduate School of Banking at the University of Wisconsin – Madison. He currently serves on the Board of Directors for EasterSeals Southeast Wisconsin.

Ryan Lilly

First Vice President - Business Banker
262-378-4919
301 N. Rochester St., Mukwonago
RLilly@CitizensBankWI.bank
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Ryan joined Citizens Bank in 2015 with nearly 10 years of banking experience. He has developed a customer-first philosophy that guides him to provide the best experience possible for each of his clients, while helping them find and unlock the keys to their growth. Ryan is a graduate of the University of Wisconsin – Whitewater. He is a member of the Rotary Club of Mukwonago and a co-chair of the Mukwonago Area Chamber of Commerce Golf Outing Committee.

Ryan Dahms

Vice President - Business Banker
262-378-4918
301 N. Rochester St., Mukwonago

RDahms@CitizensBankWI.bank
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Ryan joined Citizens Bank in 2018 after graduating from the University of Wisconsin – Whitewater with a degree in finance. He always has a “customer comes first” mentality and enjoys working alongside local businesses to help them succeed. With his educational experience, he excels at analyzing businesses and building relationships. Ryan enjoys being part of the community and looks forward to new, local opportunities.

Mitch Grulke

Vice President - Business Banker
262-446-8101
2109 Corporate Dr., Waukesha

MGrulke@CitizensBankWI.bank
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Mitch joined Citizens Bank in 2025 with over 16 years of banking experience. He focuses on building relationships with customers by facilitating their growth and enjoys seeing the impact those businesses have on the local communities. Mitch is a graduate of the University of Wisconsin-Whitewater. He is active in the community, serving as the Secretary of the Lake Country Rotary Club and on the Finance Committee of the Housing Action Coalition of Waukesha County.

Stephen Boldt

Business Banking Officer
262-309-6347
S90W35680 County Road NN, Eagle
SBoldt@CitizensBankWI.bank

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Steve came to Citizens Bank in 2025 with over 18 years of banking experience. He enjoys forming and building relationships and takes pride in being an advocate for his customers because he believes that business owners are the anchors of any great community. Steve is a graduate of Concordia University – River Forest and has a background in education.

Brandon Hutchinson

Business Banking Portfolio Manager
262-446-8112
2109 Corporate Drive, Waukesha

BHutchinson@CitizensBankWI.bank

Brandon joined Citizens Bank in 2022 and has over 10 years of banking experience. Brandon is a graduate of the University of Wisconsin – Whitewater with a degree in finance and an emphasis in real estate. He has extensive experience in financial analysis to help business development. Brandon leverages financial insights to help organizations thrive.

Emily McCulloch

Business Banking Portfolio Manager
262-309-6414
S75W17358 Janesville Rd., Muskego

EMcCulloch@CitizensBankWI.bank

Emily came to Citizens Bank in 2025, bringing a strong background in retail branch management and client relationship development to the team. She's passionate about supporting business owners in achieving their goals through a consultative approach by truly understanding their vision and needs for their business. Her approach is grounded in authenticity, consistency, and care because real relationships build lasting success.

Bryan Sobczak

Business Banking Portfolio Manager
262-309-6436
W307S4823 Hwy 83, Mukwonago

BSobczak@CitizensBankWI.bank

Bryan joined the Citizens Bank team in 2025 with 17 years of experience in banking and finance. He has developed a customer-first approach with a goal of facilitating growth and success for his business clients. Bryan is a graduate of the University of Wisconsin-Milwaukee.