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Michael L. Ayer
Senior Credit Policy Officer

Education/Professional Education:
B. S., Murray State University; National School of Commercial Lending, University of Oklahoma; Graduate School of Banking of the South, Louisiana State University

Professional Affiliations:
Past Chapter Chairman for RMA, East Tennessee Chapter; Past Chairman of Tennessee Bankers Association Credit Committee; Organizer and Past President of Areawide Development Corporation; Past Chairman and Instructor of Southeastern School of Commercial Lending

Civic Affiliations and Community Activities:
Kiwanis Club of Columbia; Vice President of Maury Vision 20-20; Past Co-Chairman of Friends of Girls Scout-Maury County; Past Chairman of Relay for Life-Maury County; Regional Volunteer Leader for Central Tennessee of National Cathedral Association; Finance Chairman, Duck River District, Boy Scouts of America

Major Area(s) of Responsibility:
Oversight of credit policy and portfolio quality

How many years at F&M and number of years banking experience:
Five years with F&M, 35 years of banking experience