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Mackinac Credit + Compliance

Client-driven solutions to enhance credit, compliance + strategic growth processes for financial institutions.

We tailor our solutions to your unique business needs with a "hands-on" approach so you can focus more internal resources on revenue generation and enhancing organizational value in an increasingly complex and competitive industry.

Experience, Expertise + Engagement

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Each institution is as unique as the community it serves​

Credit Support

MCC can support all areas of credit administration from commercial loan underwriting, loan typing + processing, and overall risk oversight. We aim to be a value-added co-sourcing partner to help you simplify and strengthen operational efficiencies within your credit support functions.

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Compliance

MCC delivers tailored compliance solutions and audits for lending, deposits, online + mobile banking, treasury management, BSA, CRA, and more. MCC offers a full financial institutions compliance module and risk assessment support.

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Management Consulting

MCC provides turnkey operational and management support for a range of strategy needs, including participation loan placement, board reporting, exam preparation, loan reviews, mergers and acquisitions diligence, and more.

MCC can provide personnel bandwidth and expertise gap to ensure internal processes run smoothly, helping reduce line of business downtimes or stalled strategy initiatives.

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From Bank Leaders to Trusted Partners

Community Bankers of Michigan magazine’s conversations with the Mackinac Credit + Compliance team from June 2025. Click below to view or download the full article.

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We engaged MCC to oversee our compliance management program and serve as the company’s compliance officer. We are also using several credit services including various loan reviews and commercial loan underwriting. Their team has a large bandwidth of knowledge and experience. We look forward to a strong partnership with MCC as we continue to grow Baybank.
Michael Nardi, President + CEO | Baybank
Gladstone, MI
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Our institution engaged MCC as a co-sourced partner to assist us with the oversight and expansion of our compliance management program. Their regulatory experience and expertise make them a valuable shared resource for community banks.
Lindsey H. Milam, Esq., VP + Chief Compliance Officer | Genoa Bank
Genoa, OH
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We chose to work with MCC given our history and knowledge of their strong credit skills and level of professionalism. They have been a value partner in performing various commercial loan reviews for us along with assisting to enhance overall credit administration practices and loan policy items for our growing credit union. We view them as a strategic resource and look forward to continuing to partner with them.
Tom Blake, President + CEO | Embers Credit Union
Marquette, MI
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Shelby State Bank began our relationship with MCC during a period of change within our credit staff. MCC is easy to work with, and their staff has extensive experience and expertise. I expect this to remain a long-term relationship that will continue to grow over time. It’s been a great extension to our loan team, assisting with credit analysis and appraisal reviews.
Mishelle M. Comstock, President + CEO | Shelby State Bank
Shelby, MI
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The entire crew at MCC bring an invaluable amount of knowledge, experience, and skills needed for our organization. MCC plays a vital role in a small bank being able to continue to operate affordably and efficiently while remaining compliant with regulations. Currently, MCC is acting as the Chief Credit Officer for the Bank, they are also typing commercial loans for us, they have helped us establish operational procedures within the Bank and they are mentoring and developing our staff in the commercial credit area.
Erik S Nadolsky, President + CEO | Huron State Bank
Rogers City, MI
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We engaged MCC for our recent compliance audit; they were thorough, timely and professional during the process, providing value-add recommendations to our team as to oversight and process best practices. They also are currently serving in the capacity of the Bank’s Chief Credit Officer.
Cristin Reid, Chair + CEO | Capitol National Bank
Lansing, MI
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MCC has proven to be an ideal solution for us, offering credit analysis services in a prompt and professional manner. This collaboration has enabled us to swiftly and effectively address the needs of our loan clients. Working with the MCC team has been a positive experience.
Maria Dubiel, Executive Vice President + Chief Credit Officer | Community Unity Bank
Birmingham, MI
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We engaged MCC for various compliance and bank administration audits. Their work was timely and very thorough, touching on all the pertinent regulatory areas we needed to cover for our upcoming exam. The Team at MCC is a trusted resource that we will look to continue to use as we grow our company and its risk profile changes.
Paul Hinkson, Chair + CEO | The Miners State Bank
Iron River, MI
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FNBM seized the opportunity to have MCC support our Loan Operations and Credit Department teams. The experience and professionalism at MCC is second to none and FNBM will continue to use MCC to augment various areas in the future.
Daniel E. Bitzer, President + CEO | First National Bank of Michigan
Kalamazoo, MI
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We specifically enlisted MCC to provide loan review services, along with CECL guidance, for us in 2024. Based on our lengthy history and past experiences with the MCC team, we feel that we’ll get a high-quality work product to support our credit risk oversight needs from their knowledgeable team of professionals and look forward to working with MCC into the future.
Rick Nebel, President + CEO | Peoples State Bank
Munising, MI
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MCC offered a customized approach to assist with our compliance management system and quickly became a trusted partner and extension of our staff. Our employees have confidence that if they have a compliance-related question, MCC will give them the appropriate answer.
Benjamin Wood, Executive Vice President | Range Bank
Marquette, MI
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The team at MCC stepped in quickly when we had a staffing issue and provided seamless and professional credit underwriting support to ensure timely loan write ups were completed for our lenders.
Cristin Reid, Chair + CEO | Capitol National Bank
Lansing, MI
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We engaged MCC to handle some external credit and loan review work for us in 2024 as part of our overall risk management program. They have a high level of market and regulatory experience and expertise in this critical risk area, and we are confident in their oversight and work products to support our review needs. We look forward to a long relationship with MCC as we continue to grow our platform at First Bank Upper Michigan.
Todd Maki, President + CEO | First Bank Upper Michigan
Escanaba, MI
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We recently chose to partner with MCC on fully outsourcing our compliance management because of the background of the principals of the compliance area and the firm’s leadership. Our initial work with MCC on compliance has been very good and look forward to a long relationship.
David P. Lamb, President + CEO | Oxford Bank
Oxford, MI
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We understand the vital importance the industry plays in the overall commerce growth and civic undertakings of the local markets they serve.

Led by banking professionals.

MCC aims to be a collaborative and value-added shared services partner helping financial institutions more efficiently manage risk and strengthen internal work processes for successful long-term strategic growth.

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