Michael Smith
Vice President, Mortgage Loan Operations
Michael Smith joined Bay Federal Credit Union in 2022, bringing nearly two decades of experience in the financial industry. His background includes expertise in mortgage lending, operations and risk management, and customer service. Prior to joining Bay Federal, Michael served as Assistant Vice President of Real Estate Lending at SAFE Credit Union, where he oversaw a growing mortgage team similar to Bay Federal’s.
Michael holds a master’s degree in business administration from California State University, Sacramento, where he also earned his bachelor’s degree in government. Outside of work, Michael enjoys spending time with his wife and two children.