Michael Budinger

About Michael Budinger

I’m focused on making commercial lending work better — not just for financial institutions, but for the people doing the work every day. That means simplifying what’s become overly complex, ensuring systems actually support how teams operate, and helping them move with more speed and less friction. At Crowe, I lead commercial lending transformation efforts that bring clarity to messy workflows and momentum to teams tired of working around their tools. My approach is grounded: design for real user needs, use technology to remove barriers, and make change feel doable — not disruptive. I’m not interested in transformation theater. I’m here to help people do their jobs better, with tools they don’t have to fight against.

Experience

1. Principal - Commercial Lending Transformation Leader

   Crowe

   Apr 2014 — Present

Education

• Western Michigan University

  Bachelor of Business Administration (B.B.A.), Finance

  1994 — 1998

Skills

• Stress Testing
• Credit Risk
• Model Validation
• Foreclosures
• Allowance for Loan and Lease Losses
• Mortgage Lending
• Mortgage Servicing
• Credit Analysis
• Finance
• Risk Assessment
• Loss Mitigation
• Financial Analysis
• Banking
• Internal Controls
• Consumer Lending
• Loans
• Anti Money Laundering
• Credit
• Commercial Lending
• Financial Reporting
• Risk Management
• Model Risk Management
• Portfolio Management