Ms. McDowell has been in banking for over 35 years and previously served as mBank’s EVP and Chief Credit Officer and Operations Officer from 2008 until its divesture in September 2021. She was part of the credit management turnaround team in 2003, assisting in the rehabilitation of the failing North Country Bank and Trust in Manistique MI, which was recapitalized and renamed mBank in 2005. McDowell’s leadership was instrumental in the turnaround, along with organic and external growth through five whole bank acquisitions (2014–2018) in which she led the data processing conversions and all asset quality due diligence for the acquired financial intuitions. mBank grew to over $1.5 Billion dollars in total assets during her leadership tenure.
Previously, McDowell had a successful career at The Commercial and Saving Bank in Millersburg, Ohio where she was the Vice President/Credit Administrator and oversaw all credit and loan operations. Her areas of expertise include all aspects of credit administration, loan and deposit operations, systems conversions from multiple platforms, compliance and problem loan resolution and divestitures.
Ms. McDowell is loan review certified from BAI and has successfully completed numerous bank and regulatory specific courses in the area of credit and operational leadership and administration.