Michael Cowan

Michael Cowan is a seasoned banking professional with extensive experience in relationship management and commercial credit analysis. Currently serving as Vice President and Relationship Manager at NBT Bank since January 2023, Michael has previously held similar roles at BOK Financial and National Bank of Arizona, specializing in managing commercial banking relationships and portfolios. Prior experience includes positions at UMB Bank as a Commercial Portfolio Manager and Meridian Bank as a Credit Analyst II. Michael's career began as a Staff Accountant at James S. Cowan, CPA, where expertise in financial analysis was developed. Michael holds a Bachelor of Science in Finance from SUNY Polytechnic Institute and an Associate of Science in Business Administration from Mohawk Valley Community College.