Mackinac Credit + Compliance

What Mackinac Credit + Compliance does

Mackinac Credit + Compliance (MCC) is a privately held professional services firm founded in 2021 by Kelly W. George and Tammy McDowell, both former senior executives of mBank, a $1.5 billion public community bank divested in September 2021. The firm is headquartered in Michigan's Upper Peninsula and operates as a "value-added co-sourcing partner" to community banks and credit unions, with active engagements also in Ohio and the broader Midwest. MCC delivers three integrated service pillars: credit support (commercial underwriting, loan typing/processing, CECL reviews, loan documentation, watch list management, SBA/USDA lending, and participation loan placement), compliance (risk assessments, compliance management programs, BSA/CRA audits, regulatory exam preparation, and board/staff training), and management consulting (loan reviews, exam preparation, M&A diligence, board reporting, and turnaround/interim management roles including interim Chief Credit Officer). Differentiation rests on practitioner credentials: founders and advisors hold former bank CEO, CCO, and FDIC/Federal Reserve examiner backgrounds, and the firm operates as a hands-on outsourced function rather than a pure advisory practice.

The firm employs 1-10 people and sells primarily through direct enterprise engagement, leveraging relationships within the Michigan banking community, client referrals, and visibility through Community Bankers of Michigan. Services are project-based or fractional (e.g., serving as a bank's outsourced compliance officer or interim CCO), can be engaged individually or bundled, and pricing is not publicly disclosed. Client base consists of 15+ named small community banks and credit unions across Michigan and Ohio; a single non-profit engagement (Build U.P./InvestUP) suggests limited extension into adjacent development finance. Revenue is not publicly disclosed. Strategic partnerships include Lasco, QwickAnalytics, and IntelliCredit, providing complementary advisory and analytics capabilities. There is no public evidence of external institutional funding, M&A activity, or material technology product development beyond secure client collaboration platforms.

Name

Mackinac Credit + Compliance

Legal name

Mackinac Credit + Compliance

Website

https://maccreditcomp.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Mackinac Credit + Compliance is a Michigan-based professional services firm founded in 2021 that co-sources credit administration, compliance, and management consulting for community banks and credit unions across Michigan and Ohio, led by former mBank executives and former FDIC/Federal Reserve examiners.

Ownership category

akta.pro rank

Product category

Community Banking Consulting

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industries

Credit Bureau Reporting & Dispute Management Support (FCRA/CRA Ops) (BPAAAEAI), SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Community bank consulting
• Credit administration services
• Bank compliance advisory
• Loan review services
• Bank management consulting

Headquarters

HQ city

Upper Peninsula

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Professional Services - Credit Support: Co-sourced credit administration services including commercial loan underwriting, loan processing, risk oversight, CECL reviews, and loan documentation. Services may be engaged individually or as a bundled package.
2. Professional Services - Compliance: Compliance solutions including audits, risk assessments, compliance management program development, and regulatory examination preparation for financial institutions.
3. Professional Services - Management Consulting: Operational and management consulting including loan reviews, exam preparation, M&A diligence, board reporting, and turnaround/interim management services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Mackinac Credit + Compliance is a professional services firm providing co-sourced credit administration, compliance, and management/operational consulting to community banks and credit unions. The firm engages as a "value-added co-sourcing partner," delivering commercial loan underwriting, loan processing, CECL reviews, loan documentation, compliance audits and risk assessments, regulatory examination preparation, loan reviews, M&A diligence, and turnaround/interim management services. Engagements are taken on individually or bundled through co-sourcing partnerships, typically remote with secure integration into the client's core systems.

Product overview

Mackinac Credit + Compliance (MCC) is a professional services firm providing co-sourced credit, compliance, and strategic consulting services to community banks and credit unions. The company offers three integrated service pillars: Credit Support Services (covering commercial underwriting, loan processing, CECL reviews, loan documentation, special asset management, SBA/USDA lending, and participation loan placement), Compliance Services (including risk assessments, compliance management programs, audits, regulatory examination support, and training), and Management + Operational Consulting (encompassing loan reviews, bank examination preparation, M&A diligence, board reporting, and turnaround/interim management). Services are delivered as a unified professional services offering with a hands-on approach using seasoned staff, and may be engaged individually or as a bundled package through co-sourcing partnerships.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Support Services Co-sourced credit administration services for community banks covering commercial loan underwriting, loan typing and processing, loan policy and CRE guidance, CECL reviews, loan documentation, watch list and special asset management, ABL and construction lending support, annual reviews, SBA/USDA lending, and participation loan placement. Delivered via secure interface into client core systems.
• Compliance Services Tailored compliance solutions and audits for community banks and credit unions covering lending, deposits, online and mobile banking, treasury management, BSA, CRA, and full financial-institution compliance modules. Includes risk assessments, compliance management program development, audits and self-assessments, regulatory examination preparation and response, and board and staff regulatory training.
• Management and Operational Consulting Turnkey operational and management support for community banks including external loan reviews, CAMELS and compliance examination preparation, M&A diligence and merger integration, board reporting, and turnaround/interim management roles such as serving as interim Chief Credit Officer under MOU, Written Agreement or Cease and Desist orders.

Named customers15 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• LascominorStrategic or Co-development PartnerListed as a Strategic Partner on the MCC website. Lasco appears to be a consulting or professional services firm serving the banking industry.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Protiviti: Global consulting firm with strong banking practice covering regulatory compliance, credit risk, and internal audit. Competes with MCC for community and regional bank consulting engagements at significantly larger scale.
• RSM US: Top-tier professional services firm with significant bank consulting practice covering credit risk, regulatory compliance, and M&A diligence. Competes with MCC for community bank consulting engagements at larger scale.
• Forvis (formerly BKD + MHP): Large accounting and advisory firm with substantial community bank practice providing loan review, compliance, and consulting services. Overlaps with MCC across multiple service lines.
• Baker Tilly: Major accounting and consulting firm with dedicated financial services practice serving community and regional banks. Competes with MCC in loan review, compliance, and bank M&A diligence work.
• Wolters Kluwer (Financial Services Compliance): Large incumbent offering regulatory compliance, BSA/AML, CRA, and lending compliance solutions to banks. Competes with MCC in compliance audits and risk assessments, but as part of a much broader portfolio.

Direct peers

• Capital Performance Group: Bank consulting firm serving community and mid-size banks with credit risk, loan review, regulatory compliance, and strategic advisory services. Comparable in customer segment and service mix to MCC.
• Young & Associates, Inc. Long-established community bank consulting firm providing loan reviews, regulatory compliance, credit administration, and M&A advisory services. Direct comparable in scope, customer base (community banks), and professional services model to MCC.
• Pelorus Research & Consulting: Specialized bank credit risk and loan review consulting firm serving community banks. Comparable in narrow focus on credit administration and regulatory examiner perspective.

Emerging players

• Ncontracts: Risk management and compliance software platform purpose-built for banks and credit unions. Adjacent competitor in compliance management programs, BSA/AML, and regulatory examination prep.
• Abrigo: Provider of credit risk, loan origination, and compliance software to community banks and credit unions. Overlaps MCC's service areas (underwriting, compliance, loan review) but delivers via technology rather than professional services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mackinac-credit-compliance

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mackinac Credit + Compliance