Commercial Lending Team

As a community bank committed to strengthening the local business economy, we can help you get the financing to build, purchase or refinance the real estate you need — whether it’s an owner-occupied building space or an investment property.

We will listen to your needs and help you choose the option that works best for you. All with local decision making and our commitment to reinvesting deposit dollars right here in your community.

Contact Victor Hernandez, Vice President, Commercial Lending  at to get started!
Headshot of Victor Hernandez
Victor Hernandez
Vice President, Commercial Lending
Victor Hernandez | Vice President, Commercial Lending
Victor Hernandez joined Warsaw Federal in 2021 as Vice President, Commercial Lending. In this role, he works with manufacturing, construction, real estate, retail and other commercial clients to help them strategically grow their businesses through lending and banking products and services. Victor has nearly 25 years of experience in the financial services industry, including a range of commercial and retail banking experience. Previously, he was Vice President, Regional Manager Greater Cincinnati for CFBank. Prior to that, he was a Business Banking Specialist at U.S. Bank. He studied organizational leadership at Northern Kentucky University. Victor was bestowed the honor of Kentucky Colonel in 2021 from the governor of Kentucky in recognition of his noteworthy accomplishments and outstanding service to the community. He is a board member for Women Helping Women and serves on the organization’s finance committee. He also serves on the finance committee for Redwood in Fort Mitchell, Kentucky, and serves on the marketing and membership committee for The Metropolitan Club in Covington.