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Civista Small Business Lending Team

You don’t have to navigate small business financing alone — our lending experts are here to help you move your business forward with confidence.

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Michelle Edwards

Michelle Edwards

Vice President, Commercial Lender
With over 19 years of experience in the banking industry, I am dedicated to delivering proactive solutions to support the financial goals of my small business and commercial clients, as well as providing them exceptional customer service through honest, open and timely communication. I am a graduate of Thomas More University with a bachelor's in business administration and continue to pursue additional education opportunities. I am a co-chair of the Youth Committee of the Cincinnati-Eastside Rotary Club, Treasurer and board member for Stopping the Abuse Before It Starts, a board member for the Clermont Family YMCA, co-chair for the Eastern Action Council of the United Way and a Success by Six committee member for the United Way. I currently reside in Loveland, Ohio.
92 Walnut St, Lawrenceburg, Indiana 47025
Bob Ward

Bob Ward

Vice President, Commercial Lender
With over 15 years of community banking experience, I have gained valuable lending and market knowledge that is used to assist my customers with their financial needs. I am committed to building long-term relationships with my customers that are built on trust. I attended The University of Rio Grande and am a graduate of the Graduate School of Banking at the University of Wisconsin. My family and I reside in Springboro, Ohio and am active in multiple community youth sports programs.
9700 N Springboro Pike, Miamisburg, Ohio 45342
Brian Bailey

Brian Bailey

Vice President, Commercial Lender
With over 20 years of commercial lending experience, I'm committed to helping my clients grow their business with creative loan terms and deposit products delivered with the fast decision making only a dynamic community bank can provide. I earned a bachelor's degree in finance from Miami University and I'm active in the local chapters of NAIOP, ICSC and the Greater Cincinnati Apartment Association, am on the Board of Directors of Windwood Swim & Tennis Club, youth soccer coach and various volunteer activities for St. Michael Church in Sharonville, OH.
92 Walnut St, Lawrenceburg, Indiana 47025
Jim Kilgore

Jim Kilgore

Vice President, Commercial Lender
With over 32 years' experience in commercial banking, I am committed to providing honesty, integrity and respect to all of my customers. I earned my bachelor's of science degree in finance from Ohio State University. I reside in Columbus and serves as an Advisory Board Member of the Mentoring Center of Central Ohio and the Columbus Rotary Club.
6400 Perimeter Dr, Dublin, Ohio 43016
Brandon McGaharan

Brandon McGaharan

Vice President, Commercial Lender
With over 20 years of experience in the banking industry, I am committed to helping businesses achieve their financial objectives and grow their businesses by providing personalized guidance and creative solutions. I am a graduate of Bowling Green State University, where I earned a bachelor's degree in international business with a minor in Asian Studies. I am active in my community, serving on the board of Explorers Academy of Science and Technology, a STEM school in Toledo's inner city, and Northwest Ohio Development and Assistance Corporation. I also volunteer as a coach for the City of Northwood and Northwood Schools. I currently reside in Northwood, Ohio with my wife and two children.
124 E Court St, Bowling Green, Ohio 43402
Justin Kidd

Justin Kidd

Vice President, Commercial Lender
With more than 10 years of experience in the banking industry, I serve as a trusted partner to local businesses, helping them achieve their goals through tailored lending solutions. I am passionate about building lasting relationships and take pride in delivering honest, straightforward guidance every step of the way. The most meaningful part of my work is helping individuals turn their vision into reality by starting and growing successful businesses. I earned a Bachelor of Arts in Economics from Oberlin College, where I also played baseball, and later received my MBA from Ohio University. Originally from Wellington, I returned to the community in 2023 after spending several years in Marietta and Columbus, and I am excited to support the businesses in the communities I grew up in and around. Outside of work, I am an avid Cleveland and Ohio State sports fan and enjoy spending time with family as the youngest of three brothers and an uncle to three nieces and a nephew.
111 W Main St, Spencer, Ohio 44275
Shawn M. Worley

Shawn M. Worley

Vice President, Commercial Lender
With over seven years of experience in the banking industry, I am committed to developing long-term relationships and moving my clients forward financially. I hold an associate degree in accounting from Bowling Green State University and currently reside in Vermilion, Ohio with my wife and three children.
100 E Water St, Sandusky, Ohio 44870
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