We believe in helping our business clients find the best loan solution for their business, and getting you a decision quickly. Which is why we want to make sure you’re prepared for the application process by telling you what you’ll need to bring in order to apply, all applications and statements can be requested at your local banking center. 



  • Business Banking Credit Application, signed and dated
  • Borrower(s) Deposit Statements (if held outside of Hillcrest Bank, prior 2 months)
  • Three years of tax returns, including all schedules and K-1s
  • Interim Income Statement and Balance Sheet, within 90 days of request
  • Business Debt Schedule, if space on application is insufficient
  • Equipment Listing and Depreciation Schedule, if not included in tax return



  • Three years tax returns, full copies, including all schedules and K-1s
  • NBH Personal Financial Statement, signed and dated, within 90 days of a new application
  • Notice of Intent and Certification Form, if Personal Financial Statement is not Hillcrest Bank


Any other items needed will be based on the loan requested. Please talk with your local banker about specific needs for your application.

Contact a Business Banker

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  • Example: name@domain.com
Desmond J. Fourie
Vice President, Business Banking Officer
Desmond J. Fourie Profile Image

Desmond Is a transplant from Cape Town, South Africa where he held the position of Sales Manager for a Manufacturing Company. Since his arrival in the US he has served in Commercial and Business Banking departments with Community Banks and large Brand financial institutes in the Utah Market. Currently Desmond Serves as VP/ Business Banking Officer in the Utah Valley for Hillcrest Bank, part of NBH Bank. Desmond has a BA degree in Marketing from Damelin College Durban, South Africa.

Melissa Mitchell
Business Banking Development Officer
Melissa Mitchell Profile Image

A native to Utah, Melissa Mitchell is currently working as a Business Banking Development Officer at Hillcrest Bank.  She has enjoyed an accomplished and diverse twelve-year career in the financial industry, holding position titles of Branch Manager, Commercial Relationship Manager, Healthcare Specialist, and Business Banking Development Officer.  Ms. Mitchell’s professional affiliations exemplify her passion for helping business owners.  She has also participated in Salt Lake County Business Forum question and answer panel for business lending.  She has built up relationships that has allowed her to participate in World Trade Center Utah Chapter sponsored events, Utah Economic Development Business Symposiums, and future commitments with Salt Lake Chamber of Commerce.

Robert Leonard
Senior Small Business Administration Business Development Officer
Robert Leonard Profile Image

Rob Leonard serves as the SBA Business Development Officer for Hillcrest Bank, a division of NBH Bank, in the Utah market. Rob works with the Utah market to identify loan opportunities that utilize or benefit from the SBA loan programs. Hillcrest Bank are a preferred lender with the SBA and able to approve loans internally without formal submission to the SBA .

Rob has been involved with Business Banking for the past 15 years. Rob began his experience with the SBA as a business development officer with a local Certified Development Company (CDC), that administered the SBA 504 Loan Program. Rob also worked for Zions Bank as an SBA Resource Officer in which he was able to assist Business Banking and Commercial Lenders with SBA eligibility and structure.

Rob enjoys the working with the SBA as it allows him to meet with clients and find opportunities to help their business grow. It is still an extreme pleasure to drive by various former clients and know that the loans they were able to receive helped that company grow to where they are today.