Michael Smith
About Michael Smith
Michael Smith is a Risk Manager with expertise in regional and community bank communication and performance reporting, currently working at Ally Financial Inc. and the Maryland Department of Housing.
Current Role at Maryland Department of Housing
Michael Smith currently holds the position of Deputy Director of Finance at the Maryland Department of Housing. He started this role in 2015. In his capacity as Deputy Director, Michael manages financial operations and strategies to support the department's objectives in housing and community development.
Experience in Financial and Credit Analysis
Michael Smith has accumulated over a decade of experience in financial, credit, quantitative, and cost analysis. His expertise extends across roles at Fortune-ranked companies. His technical foundation in information systems equips him to adeptly analyze and interpret financial data, adding depth to his analytical capabilities.
Prior Roles in Major Financial Institutions
Before his current role, Michael Smith worked at Freddie Mac as the Execution & Market Analysis Director from 2004 to 2011. He also held the position of Senior Financial Engineer at Fannie Mae from 2002 to 2004 and served as Business Manager at the same institution from 2001 to 2002. These roles contributed significantly to his proficiency in mortgage banking and fixed income securitization.
Educational Background in Finance and Economics
Michael Smith completed his Master of Science in Finance at the University of Baltimore between 1988 and 1990. Prior to that, he earned a Bachelor of Arts in Economics from the University of Maryland Baltimore County, studying from 1982 to 1985. His academic background has provided him with a solid foundation in financial principles and economic theory.
Expertise in Regional and Community Bank Communication
Michael Smith has developed significant expertise in the communication and performance reporting of regional and community banks. His ability to translate and communicate complex financial concepts and detailed financial data to diverse audiences is a hallmark of his professional skill set. This expertise has proven invaluable in various roles throughout his career.