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Michael Caldwell has extensive experience in the banking industry. Michael currently serves as the Vice President and Commercial Loan Officer at First Bank & Trust Co. since June 2019. Prior to that, they worked as a Vice President and Business Banker at First Citizens Bank from February 2013 to February 2018. Before that, they held the position of Vice President and Cash Management Representative at First United Bank from September 2008 to February 2013.

Michael Caldwell holds a Bachelor of Business Administration (BBA) degree in Business Administration and Management from Southern Nazarene University. Michael also obtained a Certified Treasury Professional (CTP) certification from the Association of Financial Professionals in 2011.