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Michael Kelley has a strong background in the banking industry. Michael currently holds the position of Vice President, Senior Credit Officer, Commercial Banking at BankOnBuffalo, where they have individual approval authority and provides oversight for the loan approval process. Prior to this, they worked at M&T Bank as the Senior Vice President, Lead Credit Review Officer, Credit Review, where they led commercial portfolio reviews and prepared examination reports. Michael also held the role of Vice President, Senior Credit Review Officer, Credit Review at M&T Bank, where they conducted reviews of loans for larger and more complex credits. Earlier in their career, Michael worked at First Niagara Bank as an Assistant Vice President, managing portfolios, preparing financial reports, and handling complex relationships and requests. Michael started their career at M&T Bank as a Banking Officer, Senior Credit Analyst, conducting credit investigations and analyzing financial statements. Overall, Michael Kelley has extensive experience in credit analysis, loan underwriting, and risk management in the banking industry.

From 2004 to 2007, Michael Kelley attended Ithaca College and earned a B.S. degree in Applied Economics.