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Commercial Lenders in Bucks & Chester

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Commercial Lenders in Bucks and Chester Counties, PA

Kelley Cwiklinski
EVP / Chief Commercial Lending Officer

Call Kelley at 267.327.4814 or send her an email.​

Dan Miller
SVP / Commercial Lending Relationship Manager Team Leader
Bob Burns
VP / Commercial Lending Relationship Manager

Robert worked with BB&T, TD Bank and Third Federal Bank before joining C&N, adding up to over 16 years of industry experience. In addition, he is a member of the Montgomery County Real Estate Investors, the Diversified Real Estate Investors, and a Board Member of the Parkplace Homeowners Association. 

Robert has a Bachelor’s Degree in Public Administration & Accounting from La Salle University and an MBA in Finance from Philadelphia University. In the community, he volunteers with the Collegeville and Philadelphia Rotary, Collegeville Economic Development Corporation and The Speaker’s House. He lives in Souderton, PA with his wife, Stacey, and has three adult children.

​Call Bob at 267.406.6226 or send him an email.​

Gregory Adamson
SVP / Regional Commercial Lending Executive

​Call Gregory at 267.327.4909 or send him an email.

Earl Clevenstine
SVP / Senior Commercial Lending Relationship Manager

Earl is an industry veteran with over 42 years of experience who is now serving as a Senior Commercial Lending Relationship Manager for C&N in the Doylestown Region. Prior to C&N, he worked as a Senior Lender for Covenant Bank and National Penn Bank.  

He graduated from Babson College in Wellesley, Massachusetts with a double major in finance and investments. He has lived in Franconia Township, PA for the last 40 years. 

​Call Earl at 267.387.1027 or send him an email.​

Kate Shepherd
VP / Commercial Lending Relationship Manager

​Call Kate at 267.327.4236 or send her an email.​

Cindy Zamroz
VP / Commercial Lending Relationship Manager

Cynthia recently joined C&N as Commercial Relationship Manager after 30 years of experience in similar roles elsewhere. She holds an AA Degree from Messiah College in Retail Management and a B.S. in Business Administration/Marketing from DeSales University. 

Cynthia serves her community through roles with Push The Rock Sports Ministries and Crossroads Pregnancy Care. She also enjoys participating in sports and outdoor activities with her husband, Walt, three grown sons and six grandchildren. 

​Call Cindy at 267.387.1028 or send her an email.​

Bob Kile
SVP / Commercial Lending Relationship Manager

Robert has 33 years of experience in the lending industry, with previous stints at numerous banks before joining C&N in 2016. As a SVP of Commercial Lending, his responsibilities include new loan and deposit generation, loan underwriting, portfolio management and more. To each of these, Robert brings a personal approach and a sincere knack for building relationships with his clients. 

A graduate of Moravian College with a B.S. in Mathematics, Robert also studied Effective Speaking & Human Relations at Dale Carnegie and attended various lending seminars and classes. He serves with the North Pennsylvania Rotary, is on the Golf Committee of The Pathway School and has two daughters he adores. 

​Call Bob at 267.387.1025 or send him an email.​

Brian Collins
VP / Senior Commercial Lending Relationship Manager

Call Brian at 267.406.6260 or send him an email.

Janet Hutchinson-Nitka
SVP / Commercial Lending Relationship Manager Team Leader

​Call Janet at 267.406.6254 or send her an email.​

Thomas Howley
VP / Commercial Lending Relationship Manager

Thomas managed the Covenant Bank credit department and served as the bank’s lead credit analyst prior to its merger with C&N. He now serves as our Commercial Lending Relationship Manager, overseeing a commercial portfolio with a wide range of customers, including small businesses, non-profits, and real estate investors. Thomas helps his commercial customers to grow and expand their business, provides financial expertise, and delivers lending solutions that meet each client’s need with a personal touch.

A graduate of Saint Joseph’s University, Thomas has a B.S. in Finance and nine years of experience in lending. His hobbies include soccer, gardening, playing music and volunteering with the Healthy Kids Running Series in West Philadelphia, PA.

​Call Thomas at 267.327.4399 or send him an email.​

Edward Dixon
VP / Senior Relationship Manager

Ed brings over two decades of commercial banking experience to C&N. Prior to joining C&N, he was a Senior Vice President/Senior Relationship Manager at OceanFirst Bank after a long tenure at Fulton Bank. A life-long resident of Greater Philadelphia, Ed is a graduate of La Salle University, where he earned his BA in Business Administration as well as an MBA. His primary responsibilities at C&N include new loan and deposit origination, loan underwriting, and portfolio management.  Ed prides himself on establishing long-standing, comprehensive relationships with his clients. 

Ed is very engaged in the local community serving as Chairman of Warwick Township’s Financial Advisory Board, Vice Chairman of the Bucks County Children’s Museum, and Vice Chairman of St. Joseph/St Robert’s School Advisory Board. He also holds board posts on his parish’s CYO, serving as Basketball Director, and coaches youth football and basketball.  

Outside of the above commitments, Ed enjoys spending time with his wife and children at the Jersey Shore, and supporting his family at many local sporting and social events. He also serves on the Golf Committee at Central Bucks Chamber of Commerce while continuing to “learn” the game of golf. 

Call Edward at 267.387.1026 or send him an email.​

Dan Hines
VP / Senior Commercial Lending Relationship Manager

Dan brings over 31 years of both retail and commercial banking experience to the team at C&N.  Most recently, he was a Vice President, Senior Relationship Manager, Commercial Lending with Penn Community Bank. He is a graduate of Penn State University where he earned his BA in Economics with a minor in Business.  In addition, he is Credit Risk Certified by the Risk Management Association.

Dan is an active member of the local community. Currently, he serves as the President of the Board of Directors for the North Penn YMCA, where he is also the Budget and Finance Committee Chairman. His commitment to the community led to him being named the 2020 recipient of the North Penn YMCA Hall of Fame Award for exceptional leadership and devoted service.  Dan is also a member of the Montgo-New Britain Rotary Club where he actively participates in community projects. 

Outside of his commitments at work and in the community, Dan likes to spend time with his wife, Elaine and their two adult children, Christian and Kaitlyn. He also enjoys spending time working on his cars and vacationing in the Outer Banks. 

Call Dan at 267.337.6826 or send him an email.

Joe Bifolco
SVP / Commercial Lending Relationship Manager

Joe Bifolco joined the C&N Commercial Lending team in 2024, based in our Chesterbrook office. In his role, Joe focuses on building relationships with local businesses throughout Chester County and the surrounding area.

Having spent 27 years in the banking industry, Joe has held a variety of positions ranging from Business Development Officer, SBA Specialist, Franchise Lender & Sales/Market Leader and, most recently, Business Banking Market Leader with Key Bank. 

Joe attended Chestnut Hill College and served our country as a member of the U.S. Army National Guard. Actively involved in his community, he volunteers with Keystone Opportunity Center, a non-profit social service agency that serves over 5,000 neighbors each year providing affordable housing, educational classes and combatting food insecurity.

Joe enjoys spending his free time with his wife, Jen, and their six children. He is an enthusiastic Philadelphia sports fan and enjoys attending games year-round.

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