Meet the Loan Officers

Cliff Kieser  (NMLS #1108380) 

Assistant Vice President, Ag Lending Officer - The Harvard State Bank, Harvard
I have been in banking for over 30 years. I have worked with a variety of business clients which gives me the experience to provide solutions to your financial needs allowing your business to save money and time. I strive to provide quality service and build client relationships by providing proactive solutions that reflect an understanding of your business and personal needs. By partnering with other experts at The Harvard State Bank on personal and business issues, I can offer products and services to assist you in reaching your financial goals. 

35 N Ayer St.
Harvard, IL 60033
Phone: (815) 943-4400
Fax: (815) 943-4759


Tom Raine  (NMLS #261298)

Vice President, Director of Mortgage Lending - The Harvard State Bank, Harvard

I bring over 18 years in the mortgage lending industry. Prior to joining The Harvard State Bank team, I learned mortgage lending through hard work and dedication. I have worked in all aspects of the business from underwriting to owning and operating a mortgage company for 12 years. My goal is to build strong, long lasting relationships with my customers by being a part of their lives even after the transaction is complete. I judge my success by my customers' successes. I have established myself as a "Go To" person with Realtors and other lending partners throughout the area and country. In my spare time I enjoy coaching sports and spending time with my wife and 2 children. 

35 N Ayer St.
Harvard, IL 60033
Phone: (815) 943-4400 / Cell: (630) 772-8424
Fax: (815) 943-4759


Mary Manning (NMLS #1393137)

Vice President, Commercial Lender - The Harvard State Bank, Hebron
I am a career banker who joined The Harvard State Bank in early 2013 with over 30 years of experience and over 20 years in commercial lending. My knowledge and experience includes a vast majority of commercial loans including commercial real estate and SBA financing. I enjoy working with businesses and take great pride in establishing business partnerships by providing personal, professional service in commercial loan financing as well as ensuring that existing commercial customers' financial needs are continually met.

I am an active member of The Geneva Lake Area Chamber of Commerce. I also serve on numerous community and professional related Boards and Committees. 

9605 Main St.
Hebron, IL 60034
Phone: (815) 648-2481
Fax: (815) 648-4644


Nick Nelson  (NMLS #384413)

Mortgage Lending Officer - The Harvard State Bank, Rockford

I bring over 15 years of banking and mortgage lending experience to The Harvard State Bank. I work hard to make the mortgage transactions easy and hassle free for my Applicants. My goal with each Applicant is to provide a high level of service that I can be proud of. The biggest compliment I can ever receive for the work I have completed is a referral from my Applicants. I am involved with various community activities including Loves Park Lions Club, Parks Chamber Board Member and Trustee with North Suburban Library District.

2470 Eastrock Dr.
Rockford, IL 61108
Phone: (815) 397-3111
Fax: (815) 397-3217

Andrew Bicknase 

Vice President, Commercial Lender - The Harvard State Bank, Hebron
With 35 years of commercial lending experience, I am here to work with you for all of your business needs.
 I am committed to building a strong banking relationship with you, serving as your partner in success for your business. No matter what phase of the process you are in with your business, from start-up to established, I can assist you with any type of commercial loan you need, including SBA, Commercial Real Estate and C & I. I am married with 3 adult children and enjoy working with many different community organizations. I enjoy travel, golfing, fishing and spending time with my family. 

9605 Main St.
Hebron, IL 60034
Phone: (815) 648-2481
Fax: (815) 648-4644


Scott Keilin  (NMLS #191927)

Residential Loan Officer/Business Development - The Harvard State Bank, Oregon

With over 14 years of experience as a Loan Officer in securing purchase and refinance mortgages, my goal has always been to put my client’s needs and goals first, offer them a second to none personal touch based on honesty and integrity, and consistently exceed their expectations. In today’s volatile and dynamic housing and financial market, you need someone who you can trust…who listens…who understands the ever-changing lender market…who will deliver as promised with no surprises. I have built my business not only on saving my clients money but giving them the peace of mind that I am looking out for them now and for the future.

I am excited about the opportunity to build a relationship and take care of you as well. If you are purchasing a new home or looking to refinance your existing home, I look forward to partnering with you to ensure your financing decision is worry-free, resourceful, and economical as possible.

101 S 4th Street
Oregon, IL 61061
Phone: (815) 732-3111 Cell: (773) 294-7848
Fax: (815) 732-3115


Stephen Robson 

Assistant Vice President, Commercial Loan Officer - The Harvard State Bank, Harvard
I bring over 12 years of banking experience to The Harvard State Bank. My background in commercial banking includes an in-depth knowledge of Asset-Based Lending, Equipment Finance, Commercial Real Estate Lending, and Commercial and Industrial Lending. As a combat veteran, I value loyalty, integrity, and hard work. It is these core tenants that I bring to my career in banking as I seek to develop relationships built on trust and personal attention. My lovely wife and I live in Crystal Lake with our young daughter, who is a rambunctious toddler and keeps us on our toes. We are active in our local church and enjoy volunteering with charitable organizations. My goal is to fully understand the unique needs of every client in order to provide them with the best service possible. Allow me to partner with you and let’s work together to make your financial goals a reality.

35 N Ayer St.
Harvard, IL 60033
Phone: (815) 943-4400
Fax: (815) 943-4759