Michael Smith is a seasoned credit and risk professional with extensive experience in the banking sector, currently serving as a Sr. Credit and Risk Officer at ProPartners Financial since August 2025. Prior roles include Sr. Credit Analyst at Citizens Independent Bank and Credit Analyst positions at Kensington Bank, American National Bank of Minnesota, and Venture Bank, among others. Michael possesses a strong background in credit analysis, policy implementation, and financial reporting, having collaborated closely with senior management and contributed to significant loan programs. With a degree from the University of New Mexico, Michael has developed a comprehensive skill set in risk assessment, financial data analysis, and credit policy enforcement throughout a diverse banking career.
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