Michael Morrish Email & Phone Number

Ann Arbor, Michigan, United States

Lead in the mentoring and coaching of the small business lending team, the loan origination team staff and other key MBC staff· Assist the Chief Lending Officer in creating business development strategies for the relationship managers and the small business lending team.· Provide mentoring and coaching to new and developing MBC relationship managers.· Lead efforts to help MBC relationship managers and credit union commercial lenders to be successful with deal structuring and MBC process issues through mentoring, training and collaboration.· Assist relationship managers to fund their participated loans when shortfalls are identified through direct marketing, connecting lenders to potential funders and collaboration.· Directly and personally engage in loan origination activities at a 75% production expectation· Provide guidance and back up for the small business lending team· Act as backup related to Chief Lending Officer activities to include assisting with deal structure, credit discussions and providing counsel for business development strategies.· Provide training and education for key MBC staff as identified by the MBC management team.Assist in the training, development and retention of new and existing credit unions and other funding sources· Assist in actively recruiting new funding sources.· Assist in building a correspondent lending partner network to generate referral fee income.· Oversee the onboarding of new credit unions and their lenders to MBC, including the development of training and materials, preparing and reviewing appropriate documentation and other functions that may be necessary.Generate loan opportunities within targeted risk profile for assigned markets and credit unions.

Ann Arbor, Michigan, United States

- Work closely with manager & internal partners to facilitate the development of new business relationships as well as develop prospects through lead lists and referral sources. Proactively play a vital role in the growth and development of the commercial lending portfolio.- Develop and maintain an accurate sense of market, understanding participating Credit Union needs as well as the competitive landscape- Represent MBC and the credit union industry in various business and community events and activities to both generate loans and contribute to positive perceptions of credit union capability and commitment- Represent MBC with credit unions and facilitate development of staff and process to improve credit union capabilities with business lending-Work with manager and underwriting team to prescreen new loan opportunities to submit thorough lender narratives for underwriting.- Build collaborative internal and external relationships to provide the best member service experience and relationship management possible- Manage an existing portfolio of business borrowers with accountability for ongoing relationships including origination of new loan requests, renewals, cross sell opportunities and/or referrals to third parties- Review borrower files and portfolio reports of assigned relationships to identify new loan opportunities

Ann Arbor, Mi

- Work closely with manager & internal partners to facilitate the development of new business relationships as well as develop prospects through lead lists and referral sources. Proactively play a vital role in the growth and development of the commercial lending portfolio.- Develop and maintain an accurate sense of market, understanding participating Credit Union needs as well as the competitive landscape- Represent MBC and the credit union industry in various business and community events and activities to both generate loans and contribute to positive perceptions of credit union capability and commitment- Represent MBC with credit unions and facilitate development of staff and process to improve credit union capabilities with business lending-Work with manager and underwriting team to prescreen new loan opportunities to submit thorough lender narratives for underwriting.- Build collaborative internal and external relationships to provide the best member service experience and relationship management possible- Manage an existing portfolio of business borrowers with accountability for ongoing relationships including origination of new loan requests, renewals, cross sell opportunities and/or referrals to third parties- Review borrower files and portfolio reports of assigned relationships to identify new loan opportunities

Ann Arbor, Mi

-Develop and maintain relationships with MBC CU's to assist with loan applications and generate additional business loan growth.-Facilitate high quality origination experience for borrowers, credit unions, and other internal partners.-Maintain relationships with credit union staff members and assigned portfolios to develop future business loan opportunities and enhance members current experience.-Generate business loan opportunities and projects for MBC's network of credit unions to invest in.

Ann Arbor, Mi

-Manage a commercial loan portfolio of approximately $250 million, through working with Michigan Credit Unions and internal business partners to identity additional growth opportunities.-Review, evaluate, and mitigated credit risks associated with loans in my portfolio through applying sound and prudent lending practices.-Consistently review and monitor loan portfolio to ensure compliance and identity warning signs of risk.

Ann Arbor, Mi

-Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money to current and prospective borrowers. -Complete accurate and timely underwriting documents to submit to loan committees and individuals for approval demonstrating independent judgment, appropriate recommendations, and risk ratings. -Actively partner with internal and external BDO’s and borrowers in the negotiation of loan structures and risk mitigation requirements. -Evaluate collateral values of properties securing loans, including reviewing for appraisals for accuracy, completing internal valuations when appropriate, and review of environmental reports. -Maintain knowledge and awareness of NCUA regulations directly impacting commercial loan underwriting. -Create and maintain credit files and accordance with format and retention guidelines.-Partner with Documentation and Portfolio Management departments to properly transition loans.

• Completed formal credit training program in the fall of 2013.• Member of Credit Analyst Leadership Group (CALG)o Identify with colleagues and senior management that the on boarding process for credit analysts was undefined and this lead to many inefficiencies and lost production.o Worked on the on boarding team to develop a checklist that the new employee, hiring manager, and human resources colleague will use as a road map for on boarding a new credit analyst colleague Provided primary analytical support for the Mid Corporate Midwest in conjunction with the Portfolio Management team.• Assisted with managing the portfolio of new and existing clients through verification and analysis of financial, collateral information and covenant compliance. • Participated in the underwriting process and prepared accurate, well organized analyses of various commercial borrowers, which included financial statement, projection analysis, relationship profitability, and risk rating. • Completed written summaries of related industry, competitive, and credit issues and ensured that satisfactory risk profile was maintained. • Prepared relationship data on commercial customers/prospects and accurately identified total bank exposure. • Engaged in financial modeling using sophisticated spreadsheet models to project future financial performance and credit risk associated with commercial customers/ prospects in the Mid Corporate Midwest portfolio.• Prepared supporting information for and presented customers at portfolio Reviews in conjunction with the Relationship Manager and Portfolio Manager.• Accompanied the Relationship Manager/Portfolio Manager when servicing clients and independently worked with clients to address routine servicing matters or other risk related issues. • Worked with Relationship Manager, Portfolio Manager and additional product partners to identify additional cross sell opportunities.

Responsible and accountable for the day-to-day operations, and risk management of the financial center. Responsible for the operational and referral activities of the customer service representative and financial service representative staff. Evaluate performance on a constant basis, providing counseling and guidance as needed; provide assistance to the staff in completing the promotion process. Prepare and give formal written performance appraisals to direct reports in an honest and impartial manner, recommending salary increases and promotions as appropriate. Also, conducted the financial center staff meetings, and held separate staff meetings as needed, to keep team up-to-date. Perform as the resource for financial center staff, answering questions, finding solutions to customer issues and ensuring staff is up-to-date on financial center procedures and policies

Bachelor Of Science, Accounting

Bachelor Of Science (Bs), Accounting