Kelly is a Commercial Banking Officer and lender with a wide range of experience in financial services. She has been in the banking industry for more than 3 decades and joined TowneBank in 2004 from Harbor Bank. Kelly has a Bachelor of Business Administration in Finance and is a graduate of the Virginia Bankers Association School of Bank Management. She volunteers with the Boys and Girls Clubs of the Virginia Peninsula and its Smart Smiles 5K Committee. “I enjoy working through creative and challenging loan situations!”