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Mike Mulford currently serves as Chief Credit Officer at Civista Bank since November 2023. Previously, Mike held the position of Director of Management Services at Young & Associates, Inc. from February to November 2023 and served as Chief Credit Officer at Coastal Carolina National Bank from January 2022 to January 2023. From July 2004 to December 2021, Mike was Executive Vice President and Chief Credit Administration Officer at Premier Bank, managing the bank's credit risk. Prior roles include Vice President and Credit Officer in Private Banking at Key Bank from June 1999 to July 2004, and Assistant Vice President of Loan Review at Sky Financial Group from 1995 to 1999. Mike earned an MBA in Finance and a BBA in Finance from The University of Toledo, complemented by education at the Graduate School of Banking from 2011 to 2013.