Michael Sparks is a Senior Vice President and Manager of Business Banking Underwriting at UMB Bank, where they lead the Small Business Loan Center following a merger with HTLF. Previously, they served as Director of Small Business and Consumer Lending at HTLF and held multiple senior roles, including Senior Vice President at Bank of the West. Michael's expertise in credit policy innovation, portfolio risk management, and operational excellence has been critical in shaping small business lending across various states. They earned a Bachelor of Science in Business Finance from the University of Colorado Boulder.
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