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Here's what our clients are saying.

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

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

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

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 makes them a valuable shared resource for community banks.

Lindsey H. Milam, Esq., VP + Chief Compliance Officer

Genoa Bank
Genoa, OH

Community Unity Bank has partnered with MCC to oversee our commercial loan underwriting process. As a DeNovo, we have been diligently controlling staffing costs as we establish and expand our new bank. 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

Peoples State Bank of Munising has had a long-standing relationship with the principal owners of Mackinac Credit and Compliance (MCC), while they were part of the Executive Management team of mBank.  We’ve worked closely with Kelly George and Tammy McDowell on the lending side for many years along with several of their current staff members. We would all agree that MCC has the expertise needed to provide excellent banking services in a wide variety of areas.

We have specifically enlisted MCC to provide loan review services for us in 2024.  Based on our past experience with the MCC team, we feel that we’ll get a high-quality work product 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

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

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. Their help ensured client loan requests were adjudicated efficiently. We also 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. Having known the principals of MCC for some time, their team is highly qualified and they provide a variety of different services, both granular day to day and longer term macro assistance. They are a long term resource to support our goals and strategies at Capitol.

Cristin Reid, Chair + CEO

Capitol National Bank
Lansing, MI

A primary goal of Oxford Bank is to train and promote from within the organization. Most often we are promoting our underwriting staff into other areas of need in leadership and in support roles. Filling the void created by the employee’s success is complicated, time consuming and worst case, could potentially lead to loan production delays. This is where MCC has really proven to be a valuable partner. Their ability to instantly augment our underwriting staff with seasoned professionals has provided us with a seamless resource to meet the timely needs of our clients. MCC’s work product is also exceptional, which is what you would expect from a team with the combined experience that they have assembled.

Bryan Ford, SVP + Business Credit Manager

Oxford Bank
Oxford, 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. And 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

We recently signed on with MCC for various compliance audit services and loan review, after a firm we used previously was unable to perform those services going forward. We believe the timely launch of MCC is critical for community banks and are very confident that we are adding value with these services, knowing the skill sets and banking/compliance backgrounds of their staff.

Chris Gonyea, President + CEO

State Savings Bank of Manistique
Manistique, 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