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Fran Kibelbek is a seasoned financial professional currently serving as a Senior Commercial Credit Lending Officer and Credit Officer at Bank of America, where they focus on Business Banking and Middle Market Credit in the Midwest Region. With extensive experience in leadership roles, Fran previously held positions at Wachovia Bank, including VP and Sales Leader, and was a Senior Consultant at Crossroads Credit and Portfolio Management. They earned a Master of Science from Barry University and a Bachelor of Arts from the University of South Florida. Fran's expertise includes the end-to-end implementation of initiatives that enhance Capital and Liquidity business strategies.