Michael Fera

Michael Fera brings over 10 years of experience in commercial banking, built across multiple economic cycles and both credit and sales disciplines. He started as an entry-level analyst and grew into a leadership role overseeing a team of six underwriters, developing deep expertise in SBA lending alongside broader experience in commercial real estate, commercial and industrial lending, and consumer credit.

Beyond the credit side, Michael has managed classified loan portfolios, collaborated with federal and state regulatory teams on audits, presented to executive committees, and developed a strong track record originating new business in client-facing roles. His background spans the full lending lifecycle, giving him a grounded perspective on how businesses are actually financed and what lenders look for at every stage.