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Michael Croal

Michael Croal

Senior Director

As Senior Director at Cornerstone Advisors, Michael Croal puts 25 years of experience in all aspects of banking technology combined with strong operations and managerial experience to work primarily in the areas of process improvement, document imaging, lending solutions, and the world of ATM, debit, and credit.

Michael is considered an expert in operational and delivery systems and has been responsible for leading numerous enterprise technology initiatives during his career. He has held executive level positions in Deposit Operations, Loan Operations and Information Technology and has significant experience in payments, lending, information management and process re-engineering.

Prior to joining Cornerstone Advisors, Michael was Senior Vice President and Director of Corporate Loan Operations with $4.8 billion Hancock Bank. He led Hancock’s complex core and ancillary disaster recovery effort following Hurricane Katrina and was recognized by the Board of Directors for exemplary leadership in the face of this disaster. During his tenure at Hancock, Michael also served in executive level positions in Deposit Operations, Loan Operations, and Information Technology.

Michael serves on the board of the Association for Information and Image Management (AIIM) and holds AIIM Certifications as Enterprise Content Management Specialist, Electronic Records Management Practitioner and Certified Information Professional.

Michael is among the authors of The Cornerstone Report, Cornerstone’s benchmarks and best practices studies for mid-size banks and credit unions, and is a contributing author for GonzoBanker, Cornerstone's blog, and CU Management, a publication of the Credit Union Executives Society. He is an experienced professional speaker.

Michael graduated from Millsaps College in Jackson, Miss., with a Bachelor of Science Degree in Computer Science and received his Master of Business Administration Degree in Banking from Troy University, Troy, Ala. He has completed graduate level banking programs at Vanderbilt, Louisiana State University and the University of Mississippi.