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Michael Smith is an experienced credit analyst with a strong background in the banking industry. Currently serving as a Senior Credit Analyst at Citizens Independent Bank since June 2022, Michael has previously held positions at Kensington Bank, American National Bank of Minnesota, Venture Bank, Maple Bank, Alerus Financial, and Wells Fargo Home Mortgage. Notable competencies include maintaining credit standards, providing support for credit write-ups, completing cash flow audits, and overseeing escrow policies. Michael's education includes attendance at the University of New Mexico.