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Kelly Barnhouse has over 40 years of work experience, starting in 1977 with Commerce Bank in Bolivar. Kelly held various roles, including Vice President-Loan Officer and Mortgage Originator/VP Loan Officer, at Mid-Missouri Bank from 2006 onwards.

Kelly Barnhouse completed the AIB Banking Courses in Business Administration and Management, General at Bolivar High School from 1973 to 1977. In 2018, Kelly attended the MBA Advanced School of Lending, but no specific degree or field of study is mentioned.