Kelley Cwiklinski serves as Executive Vice President and Chief Commercial Lending Officer at Citizens and Northern Corporation, a position she has held since 2021. With over 25 years of experience in commercial banking, she oversees the bank's commercial lending operations, including portfolio management, credit underwriting, and business development across its footprint in Pennsylvania and New York. Under her leadership, Citizens and Northern has expanded its commercial loan portfolio by more than 30% while maintaining strong asset quality metrics, earning recognition for excellence in community banking from industry publications such as American Banker. Prior to her current role, Cwiklinski joined Citizens and Northern in 2012 as Senior Vice President and Senior Lending Officer, rising through the ranks due to her expertise in complex commercial credits and relationship management. Her earlier career included key positions at Chemung Canal Trust Company and M&T Bank, where she honed her skills in agricultural, manufacturing, and real estate lending. A graduate of Mansfield University with a degree in business administration, she holds certifications as a commercial lending specialist and has been instrumental in implementing innovative risk management strategies that have bolstered the bank's resilience during economic challenges. Cwiklinski is actively involved in community initiatives, serving on the boards of several local economic development organizations and chambers of commerce. Her achievements include multiple promotions within Citizens and Northern, as well as contributions to the bank's strategic growth initiatives that have enhanced shareholder value and customer satisfaction. Passionate about fostering small business success, she continues to drive commercial lending excellence at one of the region's most trusted financial institutions.