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Dave Christensen has been appointed manager of the business loan division of America First Credit Union. He was formerly a vice president at Crossland Savings. Beth Johansen was named account manager at Williams & Rockwood, a Salt Lake advertising agency. She holds a bachelor's degree in communications from the University of Arizona. Jason Memmott has been named public relations coordinator for Scopes Garcia Carlisle Advertising and Public Relations. He is a graduate of Brigham Young University. Amy Davidson was named media assistant for Scopes Garcia Carlisle. She is a recent graduate of the University of Utah. Michael Ross has joined Scopes Garcia Carlisle as a production artist. He holds a degree in advertising design from Utah State University. Melody Gallegos was appointed construction disbursement officer in the real estate department of Zions First National Bank. She has worked for the bank 21/2 years.