North Georgia National Bank offers local decisions from experienced bankers. As a small business owner, you need a trusted advisor working for you. Let our bankers guide you to the right products, delivered when you need them.

Lines of Credit

Business Lines of Credit can help you manage your business’s cash flow needs. Lines can be secured or unsecured. Talk to your business banker today for additional information. 


Term Loans

Need to purchase a vehicle or equipment for your business? Let our bankers help. Repayment terms can be customized to fit your business needs. Decisions are made locally, so we are there when you need us. 


Business Real Estate Lending

Business Real Estate Lending can range from purchasing a warehouse, building an office building, or buying or building an investment property. Reach out to one of our commercial lenders today and let us create a customized solution to meet your needs. 


NMLS Loan Originators


Meet the team

Get to know our team of Experienced Lenders!
Give us a call or click "Email" to contact a
member of our team for all of your banking needs!

Kacee Bradford

Kacee Bradford, Mortgage Originator
NMLS# 1864386 | (706) 629-6499

Lesa C Downey

Lesa C. Downey, President & CEO
NMLS# 757668 | (706) 624-5315


Jayla Ensley

Jayla Ensley, Lending Officer
NMLS# 1182690 | (706) 624-3503

Rita Lacey

Rita Lacey, VP/Lending Officer
NMLS# 678152 | (706) 624-5303

Zab Mendez

Zab Mendez, SVP & Dalton Market President
NMLS# 757684 | (706) 879-5710 


Amanda Ruddell

Amanda Ruddell, VP/Lending Officer
NMLS# 679788 | (706) 624-5304

Mike Smith

Mike Smith, SVP & Co-Senior Lender
NMLS# 828859 | (706) 624-5309

Stacey Smith

Stacey Smith, VP/Business Development Officer
NMLS# 955752 | (706) 624-3501