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"It starts with a customer having a need," explains Christine (Chris) Salvione, Senior Commercial Lending Officer at First Federal Bank. "That's when we step in with discovery, trying to get to know them and understand what they need so we can help them achieve their goals."

This customer-focused approach has guided Chris through her 30-year banking career, including the past five and a half years at First Fed. Here, she's helped Idaho businesses secure financing for everything from equipment purchases and working capital to commercial real estate and business acquisitions.

Understanding Your Business Journey

Chris works with a diverse range of clients—manufacturers, contractors, service businesses, restaurants, medical practices, and more. Rather than offering one-size-fits-all solutions, she takes time to understand each business's unique story.

"I think misconceptions arise when business owners don't understand the magnitude of what's involved in obtaining a loan," she says. "They might think we'll just look at one year of financial history and some collateral. Our intent is to really look at their history, understand their plans for the future, and dive into them as a company. That way, we can help them move forward much more effectively."

"Some of my most rewarding success stories involve businesses with strong histories that experienced a hiccup," Chris notes. "First Federal will step in for these types of businesses. We understand their story—where they've been and where they want to go—and can help them get through it and keep moving forward."

Comprehensive Solutions for Every Stage

First Federal's approach goes beyond just securing the initial loan. The bank offers comprehensive lending solutions—equipment loans, working capital lines, owner-occupied and investment property financing, and acquisition lending—all supported by treasury management services that help businesses operate efficiently.

"When we do a loan, it's not one and done," Chris emphasizes. "We want to offer full service and be your operating bank as well. We have every treasury product to help you achieve your daily goals. It's a true relationship."