Certified Lenders

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Steve Murphy
Second Vice President
Citizens Financial Bank
155 N. Main Street
Crown Point, IN 46307
smurphy@citz.com    
(219) 227-3057
Robyn Mills
Commercial Credit Analyst
Citizens Financial Bank
8301 South Class Avenue
Darien, IL 60561
rmills@citz.com
(630) 203-1380
Daniel Zimmer
Senior VP    
Citizens Financial Bank
8301 South Cass Ave.
Darien, IL 60561
dzimmer@citz.com
(630) 203-1221
Gregg Holley
Senior VP, Business Banking
Citizens Financial Bank
1100 East Joliet Street
Dyer, IN 46311
gholley@citz.com
(219) 227-3060
Christine Milton
Commercial Credit Analyst
Citizens Financial Bank
5311 Hohman Avenue
Hammond, IN 46320
ctanjic@citz.com
(219) 227-3081
John Freyek
First Vice President, Senior Commercial Loan Office
Citizens Financial Bank
3853 45th Street
Highland, IN 46322
jfreyek@citz.com
(219) 513-5401
Paul Orner
First Vice President
Citizens Financial Bank
6101 Harrison St.
Merrillville, IN 46410
pworner@citz.com
(219) 513-5220
Dale Clapp
Executive Vice President
Citizens Financial Bank
707 Ridge Road
Munster, IN 46321
dsclapp@citz.com
(219) 513-5138
Natalie Kaluf
Second VP
Citizens Financial Bank
707 Ridge Road
Munster, IN 46321    
nkaluf@citz.com
(219) 227-3063
John Novosel
First Vice President
Citizens Financial Bank
7650 Harvest Drive
Schererville, IN 46375
jnovosel@citz.com
(219) 227-3058
Rene Martin
First Vice President
Citizens Financial Bank
855 Thornapple Way
Valparaiso, IN 46385
rmartin@citz.com
(219) 476-2707
Shawn Wagoner
First Vice President
Citizens Financial Bank
855 Thornapple Way
Valparaiso, IN 46385
swagoner@citz.com
(219) 513-5402


Regional Development Company • 1757 Thornapple Circle, Valparaiso, Indiana 46385 (map) • (p) 219.476.0504 • (f) 219.476.4141