Michelle Kozlowski has over 11 years experience in the financial industry. As a Relationship Manager, she oversees the Consumer Banking Department at the Cockeysville Branch. While directing this effort, Michelle is personally responsible for a loan portfolio of over $300,000. In addition, she manages branch operations.
Prior to joining Bay Bank, Michelle served as head teller of consumer banking at Carrollton Bank. She received her Bachelors Degree from Towson University in Sociology / Anthropology with a concentration in Criminal Justice .
Michelle maintains active involvement in the community. Currently, she serves at Community Christian Church. She is married and has a wonderful daughter.