Citizens Independent Bank
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.
Citizens Independent Bank
Since we opened for business in 1950, our main goal has been, and still remains, to build better relationships with our customers. Get to know us and you’ll understand how Citizens Independent Bank (CIB) has been an important part of our communities, helping businesses prosper and helping people achieve their dreams. We take to heart that local involvement and decision-making is how a good bank should operate. That's Citizens Independent Bank. Rich with tradition, experience and compassion. We don't just talk about commitment, we take pride in our level of community involvement. Our business is guided by the following core values: - Maintain customer trust by never compromising our honesty or integrity - Demonstrate social responsibility to our communities - Build and maintain close customer relationships by providing exceptional customer service - Encourage the personal and professional growth of each employee - Grow a strong financial base for ourselves and those we serve