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.
- Mark Williams, President
- Eric Kehler, Senior Loan Officer
- Michael Ufford, Senior Loan Officer
- Scott Vroegindewey, Senior Loan Officer
- Jack J. Johnson, Senior Loan Officer
- David Kramer, Vice President - Operations
- Darlene Merritt, Loan Officer
- Marnie Spitzley, Underwriter
- Susanne Towler, Loan Closer
- Amy Kramer, Loan Closer
- Kim Gosnell, Portfolio Analyst
- Stacy Trinka, Portfolio Analyst
- JoAnn Anderson, Sales Assistant
- Trisha Shaheen, Executive Assistant/Certified Human Resources Specialist
Mark Williams, President
Direct Dial (517) 253-0024
Mark Williams joined the MCDC as President in 2015. Mark has a long and accomplished career in finance going back to his first position as a Bank Teller in 1982. Over the years, Mark has developed his skills in credit and financial analysis, loan review, portfolio management and sales at various institutions including Bank and non-Bank lenders. It was during this time, in 1999, when Mark completed his first SBA 504 loan working with the MCDC.
Mark’s diverse background includes stints as an entrepreneur having owned multiple businesses which further developed his management capabilities and leadership skills. Most recently, Mark served as the SBA Senior Business Development Officer for PNC Bank throughout the greater Michigan market; he partnered with the Business and Commercial Bankers providing 504, 7(a) and Express loans to create economic opportunity to small businesses in Michigan.
Mark earned a Bachelor of Arts degree in Financial Administration from the Eli Broad College of Business at Michigan State University.
Eric Kehler, Senior Loan Officer
Direct Dial: (517) 253-0026
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 church 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 from the University of Michigan in Ann Arbor.
Michael Ufford, Senior Loan Officer
Direct Dial: (810) 329-4340
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.
Scott Vroegindewey, Senior Loan Officer
Direct Dial: (616) 884-0390
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.
Jack J. Johnson, Senior Loan Officer
David Kramer, Vice President - Operations
Direct Dial: (517) 253-0028
David Kramer serves as Vice President - Operations for the MCDC. Dave has been with the organization since 1998. During that time, he has served in a variety of capacities within the organization including Portfolio Manager, Senior Loan Officer and Senior Underwriter. In his current role as VP - Operations, Dave manages the Underwriting, Closing and Servicing departments along with other administrative duties including IT and Accounting.
David has a Bachelors of Science degree in Accounting from Central Michigan University.
Darlene Merritt, Loan Officer
Direct Dial: (517) 253-0032
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.
Marnie Spitzley, Underwriter
Direct Dial: (517) 253-0029
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. She is also the Government Relations Specialist for the MCDC Loan Programs.
Marnie graduated from Aquinas College in 2010 with a Bachelor’s degree in Sustainable Business and a minor in Accounting.
Susanne Towler, Loan Closer
Direct Dial: (517) 253-0030
Susanne Towler is the Loan Closer for the Michigan Certified Development Corporation. She joined 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.
Amy Kramer, Loan Closer
Direct Dial: (517) 253-0027
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.
Kim Gosnell, Portfolio Analyst
Direct Dial: (517) 253-0025
Kim Gosnell is the Portfolio Analyst for the MCDC. Kim joined the MCDC staff in March 2013. She is responsible for overseeing 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 five years and prior to that the mortgage industry for over 10 years in various capacities.
Stacy Trinka, Portfolio Analyst
Direct Dial (517) 253-0023
Stacy Trinka is one of our Underwriters who joined MCDC in the Spring of 2016. Stacy’s responsibilities include preparing loan packages for presentation and SBA approval. This process includes evaluating financial statements, historical trends, projections, management performance, industry analysis, capital structure and collateral analysis.
Prior to her position with MCDC, Stacy worked in various capacities within the credit industry for 17 years and served in the United States Army. Stacy earned her Master’s Degree in Business Administration from the University of Phoenix.
JoAnn Anderson, Sales Assistant
Direct Dial: (517) 253-0022
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 from Lansing Community College.
Trisha Shaheen, Executive Assistant/Certified Human Resources Specialist
Direct Dial: (517) 253-0021
Trisha Shaheen is the Executive Assistant and Human Resources Specialist for the Michigan Certified Development Corporation; she joined the MCDC staff in October 2013. As Executive Assistant, Trisha provides support for the MCDC Board of Directors, President and Staff; she also provides HR and Marketing support to MCDC.
Prior to her role with the MCDC, Trisha’s diverse career consisted of non-profit work, accounting and marketing as well as teaching preschool and special education. As a team member of the MCDC, Trisha supports the mission of vitality, community growth and economic development throughout state of Michigan.
Trisha holds a Bachelor’s Degree in Communications and Marketing from Michigan State University, a Master’s Degree in Education from Eastern Michigan University as well as a Human Resources Certification from MSU.
Board of Directors
- Joseph S. Calvaruso, Grand Rapids, Gerald R. Ford Foundation
- Calvin C. Cupidore Jr., Franklin
- James A. Fay, Jackson
- Debra Gagliardi, Lansing
- John Janick, St. Joseph
- Tom Johnson, Boyne City, Landmark Development
- Janet McClelland, Lansing
- Mark Morante, Lansing, Michigan Economic Development Corporation
- Gregory Nicholas, Global Innovation Resources, LLC
- Steven Pricco, Lansing, Capitol National Bank
- Anthony Reed, Pontiac, PNC Bank