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The Staff

We believe that the caliber of our people determines the quality of our service and our product. With the most experienced and most capable Certified Development Corporation staff of any CDC in Michigan, you can be confident you will receive the highest level of service available.

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Michael Chatas, President

Mike Chatas is the President for the MCDC. Mike is responsible for execution of the MCDC mission – to stimulate economic growth and development throughout the great state of Michigan.  Mike oversees all functions of MCDC, including Marketing, Sales, Operations, Finance and Client/Community/Government Relations.  Mike routinely meets with MCDC stakeholders such as Community Leaders, Lending Institutions, Small Business Owners, Referral Sources and the SBA.

Before joining the MCDC staff in 2013, Mike was the President and Co-Founder of the Structured Finance Group – a specialty lending unit - at United Bank & Trust located in Ann Arbor for 7 years.  Mike led the Structured Finance Group to become the MCDC’s 2009 Partner of the Year and the state’s second largest provider of SBA 7(a) loans during the SBA’s 2012 SBA fiscal year.  Mike was also a member of the United Bank & Trust Management Team.  Prior to that, he worked for KeyBank for 3 years as a Business Banker and devoted much of his time creating SBA solutions for small business owners throughout Michigan.

Mike earned his Master’s Degree in Business Administration from the University of Notre Dame; and earned a Bachelor’s degree in Economics from Bucknell University in Lewisburg, PA.

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Eric Kehler, Senior Loan Officer

Eric Kehler is a Senior Loan Officer for the MCDC. Eric markets the SBA 504 program throughout the state of Michigan and works with lenders, small business owners, and other referral sources to secure SBA 504 financing. He works with the MCDC underwriters to review the eligibility and obtain the SBA approval.

Before joining the MCDC staff in 2004, Eric was the Administrator/Business Manager for 7 years for a faith-based non-profit organization in Lansing, Michigan. Prior to that, he worked for Ford Motor Credit Corporation for 7 years as a Loan Officer, Dealer Sales Representative, and the Customer Service Supervisor.

Eric earned his Bachelors degree in Business Management from the University of Michigan in Ann Arbor.

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Michael Ufford, Senior Loan Officer

Mike Ufford is a Senior Loan Officer for the MCDC. Mike markets the SBA 504 program throughout the state of Michigan and works with lenders, small business owners, and other referral sources to secure SBA 504 financing. He works with the MCDC underwriters to review the eligibility and obtain the SBA approval.

Prior to joining the MCDC, Mike spent the last 22 years working in the commercial loan arena in Southeastern Michigan, holding commercial lending, credit administration, and commercial loan management positions, in both large regional banks and small community banks.

Mike earned his Bachelors degree in Bank Management from Wayne State University and his Master of Finance degree from Walsh College.       

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Scott Vroegindewey, Senior Loan Officer

Scott Vroegindewey is a Senior Loan Officer for the MCDC. Scott markets the SBA 504 program throughout Greater Grand Rapids Michigan and works with lenders, small business owners, and other referral sources to secure SBA 504 financing. He works with the MCDC underwriters to review the eligibility and obtain the SBA approval.  Scott joins MCDC with a solid career in the banking industry, with extensive experience in commercial loan portfolio management and SBA lending programs specific to Michigan. Most recently he served as a Commercial Loan Officer at Macatawa Bank in the Ottawa, Kent, and Northern Allegan markets.

Scott Vroegindewey graduated from the Seidman School of Business at Grand Valley State University with an MBA degree, and prior to that he received his Bachelor of Arts degree in Communications from Hope College.

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Jack J. Johnson, Senior Loan Officer

Jack is responsible for marketing the SBA 504 Loan Program throughout Michigan with a primary focus in Southeastern Michigan. Jack works with lenders, small business owners, CPAs and attorneys. Jack has extensive experience and expertise that incorporates all facets of the SBA 504 Loan Program from beginning to close.
 
Jack's career in SBA lending began with county government in economic development and moved to employment with national and regional banks in Michigan and most recently a CDC.
 
Jack has a Bachelor of Science degree in Accounting from the University of Detroit.
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Kevin Meyer, Senior Loan Officer

Kevin Meyer is a Senior Loan Officer for the MCDC. Kevin markets the SBA 7(a) loan program throughout the state of Michigan and works with lenders and small business owners to secure SBA 7(a) financing. He assists lenders in determining eligibility, structure and packaging for SBA 7(a) loans.

Kevin joined the MCDC in 2010 with more than 15 years of experience in the banking industry, holding various positions in mortgage lending, credit administration and underwriting.

Kevin holds a Bachelor of Science degree in Public Resource Management from Michigan State University and is a graduate of the Graduate School of Banking at the University of Wisconsin-Madison.

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David Kramer, Senior Underwriter

David Kramer is the Senior Underwriter for the MCDC. Dave has been with the organization since 1998. In that time he has served in a variety of capacities within the organization. In his current role as Senior Underwriter, David oversees all MCDC underwriting functions, including eligibility determination, credit evaluation, SBA packaging and approval

David holds a Bachelors degree in Accounting from Central Michigan University.        

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Darlene Merritt, Loan Officer

Darlene J. Merritt joined MCDC in November of 2006. She is responsible for marketing our SBA 504 Loan Program to our lending partners, CPAs, and other referral sources in the northern counties of the Lower Peninsula and the Upper Peninsula. She works with the MCDC underwriters to review eligibility, structure and obtain the SBA approval.  Before joining our staff she held several banking positions including Community Bank President with Fifth Third Bank in Cadillac. She is currently active in economic development thru the Cadillac Industrial Fund and a member of the Cadillac Chamber of Commerce. She also has held leadership positions with Cadillac Housing Commission, Wexford County Habitat for Humanity, United Way of Wexford County and the Downtown Development Authority.

Darlene attended Mid-Michigan College in Harrison and is a graduate of the University of Wisconsin - School of Bank Administration.     

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Marnie Spitzley, Underwriter

Marnie Spitzley is an Underwriter for the MCDC. Marnie joined the MCDC staff during the summer of 2011. She interned with the company before becoming a full-time employee. Marnie’s responsibilities include financial analysis of loan applicants, eligibility determination, loan packaging, and approval.

Marnie graduated from Aquinas College in 2010 with a Bachelor’s degree in Sustainable Business and a minor in Accounting.

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Susanne Towler, Loan Closer

Susanne Towler is the Loan Closer for the Michigan Certified Development Corporation. She joing the MCDC staff in November 2007. Susanne is responsible for the processing and closing of the loans. Prior to her position with the MCDC, Susanne worked in the mortgage banking/retail industry for over 17 years in various capacities.

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Amy Kramer, Loan Closer

Amy Kramer is a Loan Closer for Michigan Certified Development Corporation. She joined the MCDC staff in July 2012 and is responsible for the processing and closing of loans. Prior to her position with the MCDC, Amy worked in the mortgage banking and title insurance industry for over 20 years in various capacities.

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Rachel Bakken, Portfolio Manager

Rachel Bakken is the Portfolio Manger for the MCDC. Rachel joined the MCDC staff in July 2006. She is responsible for the oversight of the existing loan portfolio, management of complex/routine servicing actions (i.e. assumptions, subordinations, and payments), customer visits, and credit reviews. Prior to her position with the MCDC, Mrs. Bakken worked as commercial credit analyst with Republic Bank in the Lansing area.

Rachel holds a Bachelors degree in Finance from Central Michigan University.       

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Kim Gosnell, Portfolio Analyst

Kim Gosnell is the Portfolio Analyst for the MCDC.  Kim joined the MCDC staff in March 2013.  She is responsible for oversight of the existing loan portfolio, management of all yearly requirements for each loan, routine servicing actions, customer visits and credit reviews.  Prior to her position with the MCDC, Kim worked in banking at Fifth Third Bank for fives year and prior to that the mortgage industry for over 10 years in various capacities.

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JoAnn Anderson, Sales Assistant

JoAnn is the sales assistant at Michigan Certified Development Corporation (MCDC) joining in April 2008. JoAnn is responsible for administrative support for the lending staff and ongoing communications to our customers.

Prior to her role with MCDC JoAnn enjoyed a successful career in banking for over 15 years in various positions.

JoAnn holds a Certificate of Small Business Management at Lansing Community College.

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Patricia Abood, Executive Assistant

Trisha Abood is the Executive Assistant for the Michigan Certified Development Corporation. She joined the MCDC staff in October 2013.  As Executive Assistant of MCDC, Ms. Abood provides administrative support for the MCDC Board of Directors, President and the MCDC staff. Trisha will also provide marketing services and support to MCDC.

Prior to her role with the MCDC, Ms. Abood’s diverse career consisted of non-profit work, marketing and advertising as well as teaching preschool and special education. As a team member of the MCDC, Trisha will support the mission of vitality, community growth and economic development throughout state of Michigan

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Sandy Vergeson, Administrative Assistant

Sandra Vergeson is the Administrative Assistant for the Michigan Certified Development Corporation. She joined the staff of the MCDC in November 2002 after her retirement from the State of Michigan. As Administrative Assistant of the MCDC, Ms. Vergeson provides the administrative support for the MCDC Board of Directors and the MCDC staff, as well as, assistance with routine loan portfolio servicing.

Prior to her role with the MCDC, Ms. Vergeson’s career spanned many years in State government from administrative support to management of a state wide program.        

 

Board of Directors

  • Joseph S. Calvaruso, Grand Rapids, Gerald R. Ford Foundation
  • Calvin C. Cupidore Jr., Franklin
  • James Fay, Jackson - FirstMerit Bank
  • John Janick, St. Joseph - PNC Bank
  • Tom Johnson, Boyne City, Landmark Development
  • Mark Morante, Lansing - Michigan Economic Development Corporation
  • Gregory Nicholas, Global Innovation Resources, LLC
  • Steven Pricco, Lansing - Capitol National Bank
  • Anthony Reed, Pontiac - Independent Bank