Michael Poniewaz

Michael Poniewaz currently serves as AVP and Credit Manager at Peoples State Bank, where responsibilities include leading credit analysis and monitoring efforts for various financial portfolios. Prior experience includes credit analysis roles at U.S. Bank, where management of credit monitoring for a diverse range of relationships involved developing risk ratings and mitigation strategies. Michael has also held senior credit analyst positions at WaterStone Bank, contributing to credit quality evaluations and compliance assessments. Academic credentials include a Bachelor of Business Administration in Finance from the University of Wisconsin-Milwaukee and completion of the WBA School of Bank Management.