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J. Michael Bailey currently serves as VP Senior Portfolio Manager at Citizens Bank since August 2018, overseeing portfolio management across all commercial markets. Bailey has previously held the role of AVP Portfolio Manager, responsible for detailed analysis of loan portfolios, including stress testing, concentration monitoring, and industry analysis. Prior to that, Bailey worked as a Loan Portfolio Analyst, executing similar responsibilities under the supervision of the President and Chief Lending Officer. Earlier experience includes tutoring advanced mathematics and statistics at the University of North Carolina at Wilmington and serving as a Shift Leader at Port City Java. J. Michael Bailey holds a Bachelor's degree in Mathematics from the University of North Carolina Wilmington and an Associate of Science degree in Mathematics from Cape Fear Community College.