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
- John Galbraith, Loan Officer
- Steven Pricco, Director of 7(a) Lending (SBA)
- David Kramer, Vice President - Operations
- Marnie Spitzley, Lead Underwriter
- Stacy Trinka, Underwriter
- Duane Hummel, Underwriter
- Susanne Towler, Loan Closer
- Amy Kramer, Loan Closer
- Chris Polhamus, Sr. Associate - 7(a) Lending (SBA)
- Ana (Zoe) Luther, Associate - 7(a) Lending SBA
- Kim Gosnell, Portfolio Analyst
- Darcy Bowen, 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: (517) 220-2497
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
John Galbraith, Loan Officer
Direct Dial (517) 253-0032
John joined MCDC in October of 2017. He 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 Upper Peninsula. He works with the MCDC underwriters to review eligibility, structure and obtain the SBA approval. Before joining our staff, he was a Commercial Lender serving the Northern Michigan Area and also a small business owner.
John holds with a Master’s Degree in Organizational Management from Spring Arbor University and a Bachelor of Applied Arts from Central Michigan University.
Steven Pricco, Director of 7(a) Lending (SBA)
Direct Dial: (517) 220-2394
Steve Pricco joined the MCDC as Director of SBA 7(a) Lending in August of 2017. For over 20 years Steve has worked with the SBA 7(a) Program and was twice awarded Michigan’s PLP Lender of the Year. Over the last 12 years, Steve has served as a SBA 7(a) Lender Service Provider (LSP) for banks nationwide, where he and his team work with approving, closing, 1502 reporting, selling, servicing, and liquidating the SBA 7(a) loans. Steve also works with the USDA Business and Industry loan guaranty program where he was awarded top Michigan Lender of the Year four times during his career.
Steve earned a Bachelor of Science degree in Business Administration with a minor in Finance from Michigan State University.
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.
Dave has a Bachelors of Science degree in Accounting from Central Michigan University.
Marnie Spitzley, Lead 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.
Stacy Trinka, Underwriter
Direct Dial (517) 253-0023
Stacy Trinka is an Underwriter for the MCDC. She joined the MCDC staff in April 2016. Stacy’s responsibilities include financial analysis of loan applicants, eligibility determination, loan packaging, and approval.
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.
Duane Hummel, Underwriter
Direct Dial (517) 220-2496
Duane is an underwriter for the MCDC who joined the staff in January 2018. His responsibilities include financial analysis of loan applicants, eligibility determination, loan packaging and working with SBA to get loans approved.
Duane comes to the MCDC from JPMorgan Chase Bank where he served over 35 years, most recently as a Business Banking Relationship Manager. He received his Bachelor's Degree in Business Administration and Management from the University of Michigan (Flint) and his Master of Science Degree in Administration from Central Michigan University.
Susanne Towler, Loan Closer
Direct Dial: (517) 253-0030
Susanne Towler is a Loan Closer for the MCDC. 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.
Chris Polhamus, Sr. Associate - 7(a) Lending (SBA)
Direct Dial: (517) 220-2395
Chris Polhamus has developed a unique skill set over a career in lending, legal support, documentation and portfolio management at Bank of America. Most recently, Chris served as the Senior Associate for Government Guaranteed Lending at Capitol National Bank assisting multiple institutions with origination, closing and servicing 7(a) and USDA loans.
Ana (Zoe) Luther, Associate - 7(a) Lending SBA
Direct Dial: (517) 220-2498
Ana (Zoe) Luther is 7(a) Associate for the MCDC. She joined the MCDC staff in February of 2018. Zoe is responsible for documentation and portfolio management for MCDC’s 7(a) Department. Prior to her position with MCDC, Zoe worked in Commercial and Consumer Loan Operations for several years.
Zoe is a graduate of Lansing Community College and holds an Associate’s Degree.
Kim Gosnell, Portfolio Analyst
Direct Dial: (517) 253-0025
Kim Gosnell is a Portfolio Analyst for the MCDC. She joined the MCDC staff in March 2013. Kim’s responsibilities include monitoring the current loan portfolio, and performing routine as well as more complex servicing actions. Prior to her position with the MCDC, Kim worked in banking at Fifth Third Bank for five years and prior to that in the mortgage industry for over 10 years in various capacities.
Darcy Bowen, Portfolio Analyst
Direct Dial (517) 253-0031
Darcy Bowen has joined MCDC as a Portfolio Analyst and will handle collateral issues, analyze financial documents, process loan modifications and work with and maintain customer relations. She will also help to oversee the current MCDC portfolio and perform everyday servicing functions. Prior to her role at MCDC, Darcy previously worked at Dart Bank as mortgage loan assistant.
Darcy is a graduate of Central Michigan University.
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
Jason Barnett, Detroit, Invest Detroit
Mr. Barnett has over 18 years of commercial lending and financial experience. Jason is committed to strengthening relationships with community developers in the Detroit area and assisting with the overall economic growth of Michigan.
Joseph S. Calvaruso, Grand Rapids, Gerald R. Ford Foundation
Mr. Calvaruso has been the Executive Director of the Gerald R. Ford Presidential Foundation since 2008 and is responsible for the overall operations and management of the foundation. Joe has a strong history in risk management and as a member of the Board of Directors for MCDC, currently offers his expertise and guidance in these areas.
Dr. Calvin C. Cupidore Jr., Franklin
Dr. Cupidore recently completed a PHD in Education and continues to contribute to the MCDC Board of Directors as a valuable resource for economic development in the Detroit area.
James A. Fay, Jackson, County National Bank
Mr. Fay is the Treasurer of the MCDC Board of Directors. Jim's vast financial and banking background, including loan and credit analysis, allows him to offer counsel and support with regard to budgets and financial recommendations.
Debra Gagliardi, Lansing
Ms. Gagliardi has over 35 years of legal expertise. As the Senior Assistant Attorney General, Deb has first hand experience with Michigan laws and economic development proposals in Michigan.
John Janick, St. Joseph
Mr. Janick has more than 35 years of corporate banking and administrative experience. With an emphasis in Commercial Loans, John has been pinnacle in the continued growth of the MCDC mission of economic development.
Tom Johnson, Boyne City, Landmark Development
Mr. Johnson has been an entrepreneur in Michigan and understands the drive required to advance economic development. As a member of the Board of Directors, Tom offers this same entrepreneurial expertise and commitment to the growth of Michigan businesses.
Janet McClelland, Lansing
Ms. McClelland joined the MCDC Board of Directors as a Workforce Development expert to spearhead policy and procedure innovations.
Mark Morante, Lansing, Michigan Economic Development Corporation
As Senior Vice President of MSF Fund Manager and Special Advisor to the CEO of MEDC, Mr. Morante has offered his knowledge and expertise in economic development to support and grow the mission of MCDC.
Gregory Nicholas, Lansing, Global Innovation Resources, LLC
Mr. Nicholas has had a hand in economic development and financial analysis for over 35 years. Greg shares his expertise as a member of the MCDC Board of Directors, to advance the goals of economic development.
Anthony Reed, Pontiac, PNC Bank
Mr. Reed is committed to economic development in the Detroit area. Anthony offers 15 years of banking experience focusing on commercial loans and economic development.