Here's what our clients are saying.
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
First National Bank of Michigan (FNBM) was one of the first banks to partner with Mackinac Credit + Compliance (MCC) after identifying a need for a shared resource to assist Community Banks in Michigan. 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
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
We engaged MCC to oversee our compliance management program and serve as the companies 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 to help best augment our bank in these areas in an efficient way. We look forward to a strong partnership with MCC as we continue to grow Baybank.
Michael Nardi, President + CEO
Baybank
Gladstone, MI
We engaged with MCC to conduct a compliance website review. Their team demonstrated a high level of professionalism along with a comprehensive understanding of regulations. The review was thorough and covered all relevant aspects of our website. They were very responsive and professional when collaborating on an action plan for our institution. We look forward to collaborating with them on future endeavors.
Kevin Collison, President + CEO
Commercial Bank
Ithaca, MI
We have been utilizing MCC for credit underwriting work since opening our De Novo bank in June 2023. We were so pleased with the quality and timeliness of their work that when we found ourselves in need of additional commercial loan documentation support, we didn’t hesitate to contact Tammy McDowell. MCC stepped in quickly to assist us by providing experienced and well-trained loan documentation staff. This team has been able to work with our Laser Pro system to generate loan documents and board loans into our core system. Our lenders have enjoyed working with the MCC staff for loan closings as they are quick to respond and always accommodate our clients’ timelines. We have enjoyed our partnership with MCC and look forward to working with them for our credit and documentation needs.
Maria Dubiel, Executive Vice President + Chief Credit Officer
Community Unity Bank
Birmingham, MI
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, Michigan
We chose to work with the Team at MCC given our history and knowledge of their strong credit skills and level of professionalism. They have been a valuable partner in performing various commercial loan reviews for us along with assisting in enhancing overall credit administration practices and loan policy items for our growing Credit Union. Their work products are well done, and they are timely with any needed items we may want assistance with. We view them as a strategic resource and look forward to continuing to partner with them.
Tom Blake, President + CEO
Embers Credit Union
Escanaba, MI
The team at MCC stepped in quickly when we had a staffing issue and provided seamless credit underwriting support to ensure timely loan write ups were completed for our lenders. We also engaged MCC for our recent compliance and BSA audit; they were thorough, timely and professional during the process, providing value-add recommendations to our team as to regulatory best practices and oversight. They also are currently serving in the capacity of the Bank’s Chief Credit Officer. Having known the principals of MCC for some time, their team is highly qualified, and they can provide a variety of different services to support key risk areas of the bank. They are a long-term resource to support our goals and strategies at Capitol.
Cristin Reid, Chair + CEO
Capitol National Bank
Lansing, MI
We believe that community banks can be much more effective by sharing services particularly in complex topics where most small banks can’t have a bench; present substantive risk; recruiting is difficult or can’t afford full time the expertise needed. We believe that Compliance is one of those areas that meets those criteria. We recently chose to partner with MCC on fully outsourcing our Compliance management because of the background of the principals in the Compliance area and the leadership at MCC. To be clear, we have extensive knowledge internally on compliance (although hard won) but don’t want those leaders spending time on it when they have strengths better used in other areas. None of us have the depth of knowledge that Scott at MCC has based on his long career at the FDIC and are unlikely to have it combined with the industry perspective from Tammy’s role as a COO overseeing Compliance. They also have at least two other former regulators including Kelly, their CEO on staff.
Another reason we chose MCC is flexibility because we can change our approach in the future including taking parts in-house if it makes more sense although unlikely. 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
Dealing with compliance requirements at a community bank impacts all departments and feels more challenging than ever. MCC offered a customized approach to assist with our compliance management system and quickly became a trusted partner and extension of our staff. Their team brings a heightened level of expertise to the Bank and 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
Our institution engaged MCC to provide a final external review of our CECL methodology. Having known and worked with the principals for over 20 years, we chose MCC based on firsthand knowledge of their experience, expertise, and thorough professionalism. The report we received was prompt, encompassing and insightful. We have incorporated all of their recommendations into our final methodology.
We engaged MCC for various compliance and bank administration audits as part of our overall governance program. 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, as they have the skills necessary to help us ensure prudent and efficient oversight of these critical functions.
Paul Hinkson, Chair + CEO
The Miners State Bank
Iron River, MI
Huron State Bank engaged with MCC to assist with the change in staffing that we’ve seen over the past couple of years. Tammy and the entire crew at MCC bring an invaluable amount of knowledge, experience, and skills needed for our organization. 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. The board and management have found that it’s vital to leverage these types of relationships in the ever-changing regulatory landscape we are faced with, and MCC plays a vital role in a small bank being able to continue to operate affordably and efficiently while remaining compliant with regulations. MCC has been great, and we anticipate a long-lasting relationship with them.
Erik S. Nadolsky, President + CEO
Huron State Bank
Rogers City, MI
Mackinac Credit and Compliance has been instrumental in the success of Build U.P., a housing non-profit development lending fund powered by InvestUP. MCC has partnered with Build U.P. from the beginning, offering financial services subject matter expertise to form the organization’s housing development policies, and providing meaningful and necessary industry insights to develop the organization’s programming. The foundation that MCC helped to create has allowed Build U.P. to enjoy regional success, with significant investments across Michigan’s Upper Peninsula, including over 200 new housing units, and more to come. Each of these investments has benefitted from the professional credit analysis, diligence, and counsel of the team at Mackinac Credit and Compliance.
Marty Fittante, CEO
InvestUP
Our institution engaged MCC as a co-sourced partner to assist us with the oversight and expansion of our compliance management program. Their staff was very responsive and professional when collaborating on an action plan for our institution, and 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