Background: Michael is a senior banking officer and manager who brings almost 30 years of commercial lending and corporate finance experience to client relationships involving the placement of senior debt and related financial services. He has worked with a wide variety of clients in numerous industries, at various stages of development, having arranged debt and other financial instruments to assist them. As SVP and Senior Group Manager, Michael leads the commercial banking activities in the East Bay, San Jose, San Francisco and Sacramento regions for First Bank.

Michael is a Board of Directors and Programs Committee member for the Association for Corporate Growth. He is a graduate of the Jesuit University of Detroit. Michael and his wife Mary have two boys, David and Tyler. Michael lives in San Ramon where he is active with lacrosse, St. Joan of Arc Church and the Boy Scouts.

Business: CEO’s, CFO’s or owners of privately held companies come to Michael in the event that they have a need for an insightful review of their commercial banking and financing needs. There may be a financing event or pricing, loan structure, borrowing capacity or service related issues with the current banking arrangements. He collaborates with First Bank product partners to assist clients with all of their corporate and personal banking.

If You Get a Sense That a Company Might Be in Need of Michael, Ask These Questions:
Are you confident that your banker understands your needs and will respond to additional requests?
Is your financial institution providing everything that you need to be efficient and generate growth?
Do you believe that the service level, capabilities and technical content could be improved?
In your opinion are your rates, fees and costs for banking services too high?

Categories of Companies That Michael Focuses On:
1.Middle Market companies with annual revenues of $10 to $250 million.
2.Credit facilities of $2 to $25 million.
3.Industries include Manufacturing, Wholesaling, Distribution, Engineering, Construction, Transportation, Consumer Products, Food &

Beverage and Medical Products as well as many Services.

Common Services Michael Provides:
1.Review of existing financial services and a determination of what is appropriate for the future.
2.Assessment of the financial strength and borrowing capacity of the company and any guarantors.
3.Cost benefits analysis of the existing and proposed financial services, including:

          * Revolving Lines of Credit                       *  Depository and Payroll Accounts
          * Equipment Loans                                   *  Treasury Management Services                             
          * M&A and Succession Financing              *  Investments, 401k & Pension Plans
          * Commercial Real Estate Loans               * Trust and Wealth Management

Middle Market Commercial Banking