Here's what our clients are saying.
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 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 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
Mackinac Credit + Compliance has been a trusted partner for our loan typing needs. Their team consistently delivers accurate, timely, and high-quality work, helping us improve efficiency and maintain excellent service for our customers. They integrate seamlessly into our organization, and their professionalism, responsiveness, and attention to detail make them a valuable extension of our team. We highly recommend MCC to any financial institution seeking dependable loan support services.
Kevin Collison, President + CEO
Commercial Bank
Ithaca, MI
MCC has been our underwriting partner since our bank was launched in 2023. They also have provided support to our loan documentation process when we have been short staffed due to vacations or leave. This year, we had to turn to MCC for more extensive support when our Chief Credit Officer retired and Tammy stepped into that role on a contract basis seamlessly. She has made suggestions that have made our credit processes more efficient and has collaborated effectively with our Chief Lending Officer and CEO for successful outcomes on a third-party loan review and the asset quality portion of our regulatory examination.
We have been underwriting more complex private equity loan opportunities this year, and the MCC credit team has skillfully adjusted to working on those along with continuing to provide quality work on our traditional community banking loans. From underwriting to documentation and all the way up to stepping in as Chief Credit Officer, we have been able to count on Tammy and her team at MCC to support our bank through a variety of challenges over the past several years.
Greg Wernette | CEO
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, MI
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
Marquette, MI
Our staff has been amazed by the accuracy, promptness, and responsiveness of everyone at MCC. Rather than simply taking work off our plate, they involve our people at every step, so our team has grown and learned alongside them. That partnership shows in our results: in both our regulatory exams and external audits, our commercial process — which relies deeply on MCC — has passed with few questions.
We were so pleased with the quality and timeliness of their underwriting that when we later needed additional commercial loan documentation support, we didn’t hesitate to reach out to Tammy McDowell. MCC again stepped in quickly, providing experienced, well-trained documentation staff who work with KSB to review perform a pre-QC process. Our lenders genuinely enjoy working with the MCC team on closings, as they are quick to respond and always accommodate our clients’ timelines.
Through all of it, MCC has met every timeline and made certain KSB’s staff remained part of the process. We have valued this partnership and look forward to relying on MCC for our credit and documentation needs going forward. We recommend them without reservation.
Gerald D. Canon | President + CEO
KeySavings Bank
Wisconsin Rapids, WI
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
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
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 engaged MCC for various compliance, loan review 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
After our Internal Credit Analyst left for another job, KCSB had to make a decision on how we would move forward with our credit analysis. After reviewing a number of options, we chose to go with Mackinac Credit + Compliance.
For over a year now, Mackinac Credit + Compliance has become a trusted extension of our commercial lending team. Their credit memos are comprehensive, well-analyzed, and delivered on time, allowing us to make informed lending decisions while improving our overall efficiency. Their expertise, professionalism, and commitment to quality have made them a valuable partner. We highly recommend MCC for commercial underwriting and credit analysis services.
Scott Hines | President + CEO
Kalamazoo County State Bank
Schoolcraft, MI