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Kelly Smits began their work experience in 1989 as a Part Time Teller at First Fidelity Bank. Kelly then joined Lakeland Bank in 1992, where they held several positions including Vice President & Cluster Branch Manager and VP, Small Business Lending. Kelly worked in the latter role until the present.

Kelly Smits attended County College of Morris from 1989 to 1991, where they obtained an Associate's degree in Accounting.