American First Credit Union
Michael Payne has extensive experience in commercial real estate underwriting, having held senior positions at American First Credit Union and Kinecta Federal Credit Union. With a professional background dating back to 2003, Michael has worked as a Senior Commercial Underwriter at various institutions, including GBC International Bank and IMPAC. Prior roles include managing loan portfolios at Affinity Bank and operating as a self-employed commercial real estate underwriter. Michael holds a Master of Arts in Teaching from the University of Southern California and a Bachelor of Science in Business Administration from Utah Valley University. Additionally, Michael has an Associate of Applied Science in Business from Snow College.
American First Credit Union
For more than 65 years, American First Credit Union has remained focused on the financial well-being of our members and our community, offering competitive products and personal service. With a vision to be our members’ most essential financial resource, we are relentless in our efforts to deliver a world of access, ease and convenience. If you choose American First Credit Union, you benefit from low-interest loans for vehicles, homes, credit cards, and personal loans for whatever else you may need. And you can receive higher rates on savings accounts and share certificates, enjoy Totally Free Checking with rewards, Big Prize Savings to win up to $50,000, and more. But we’re not just about banking! In addition to extraordinary service, we give back to our neighborhoods through our 'Caring First' initiative by getting involved in causes that make our communities better.