“Understanding What Makes Communities Resilient.”

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VIP General Session


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Welcome, Platform, and Mayoral panel


Marty Spencer


Independent Bank 

CRA State Chairperson

Marty Spencer joined Independent Bank in 2000 and has served as Vice President, Community  Reinvestment Act Officer since 2012. He currently chairs (term ending 2021) the Michigan CRA  Association, which is comprised of bank CRA representatives from over 30 financial institutions. Marty is  also a board member with Habitat for Humanity of Michigan and IM Fostering Hope, which provides all  children entering the foster care system in Ionia and Montcalm Counties with essential items upon  entering foster care. Finally, he enjoys volunteering making weekly food deliveries for the St. Joseph’s  Food Pantry. He is a graduate of James Madison College at Michigan State University with a Bachelors  Degree in Political Economics (1998).


Mayor Patrick Wimberly 

Lead Mayor

City of Inkster

Patrick has successfully worked for Starfish Family Services as the transportation supervisor for the head start program from 2000-2003 and Commercial drivers license instructor from 2002-2005. Patrick became Director of Transportation for Inkster Public Schools in 2003 where he created and expanded the school of choice Transportation pick up and drop offs for over 3000 students later being promoted to Director of Security and Building maintenance. Patrick  continued in that position until the closing of the school district in 2013. Patrick was the Co-founder and Chairman of the Board for Western Wayne Family Centers from 2005-2007. Patrick has held board positions for the following: Inkster zoning board of appeals from 2005-2007, Downtown Development authority (Treasurer)2005-2008, Inkster elections board (Chairman) from 2008-2012, City of Inkster Tax increment board 2011-2012. After a successful political campaign, Patrick was elected Mayor Protem 2008-2012 for the Inkster City Council. Patrick is a change agent, developer and community activist.


Mayor Derek Dobies 


City of Jackson

Mayor Dobies was elected in November 2017, after serving on the City Council for Jackson's 6th Ward since 2011. While on City Council, Derek served on the city’s Planning Commission, the Ella Sharp Park Board of Trustees, the Parks & Recreation Commission, the Public Arts Commission, the Police & Fire Pension Board, and the Downtown Development Authority. He also served as Vice President to the Jackson Housing Commission and Secretary to the Jackson Human Relations Commission.


Professionally, Mayor Dobies serves as Chief of Staff to the Michigan AFL-CIO - a nonprofit that advocates on behalf of working people across Michigan. He also owns and operates a small graphic design and strategic communications company in Jackson.

Mayor Dobies earned a degree in Political Theory & Constitutional Democracy from James Madison College at Michigan State University, where he minored in Middle Eastern Studies and received a certification in Homeland Security. 

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Mayor Marcus Muhammad 


City of Benton Harbor 

Marcus Muhammad, 1993 graduate of Benton Harbor High School, starred as a player for the Benton Harbor Tigers and then went on to play college basketball at DePaul University in Chicago, Illinois.  He later returned to Benton Harbor as the Head Boys Basketball Coach and Assistant Ladies Basketball Coach.

He was elected as Commissioner-at-Large for the City of Benton Harbor in 2009 and re-elected in 2013; appointed as the Mayor Pro-Tem under the leadership of former Mayor Wilce Cooke and Chairman of the Legislative Committee.  In 2015, he was elected as the Mayor of the City of Benton Harbor where he continues to serve his community.

Mayor Walter Watt


City of Muskegon Heights 

Watt was first elected as a city councilman in 2017. He received a bachelor’s degree in food marketing from Western Michigan University and is a Central Michigan sales representative for Swedish Match.

Watt also is a professional photographer, is single and has two daughters. He was elected as mayor in 2019.


Mayor Monique Owens


City of Eastpointe, MI

Monique Owens is what many identify as a trailblazer. Setting the standard high as an influential leader with poise, class, and historical determination, Monique Owens continues to show what excellence looks like. Monique Owens was elected in 2017 as Eastpointe’s first black councilwoman.  She continued to raise the bar in 2019 as Eastpointe’s first black and youngest mayor ever to hold office in Macomb County’s history.

Her fight for social justice in creating equality across the board started in her work as a Wayne County Sheriff wanting to do more than enforce the law but create laws that would ensure a better quality for all.  She was chosen to attend the Bloomberg Harvard program that included 40 mayors worldwide that gave mayors the resources to be better leaders from the top educators from all over the United States.

Her gifted talents as a comedian in her younger years allowed her to connect with the world by using humor to steer joy in a world. Her efforts to educate our youth-led her to write a children’s book, “Mom, What’s A Mayor?’’ that teaches about how local government works and how to be apart of the government process.  She also started an Owens Political Consulting Firm to help those running for office to be strategic in planning a more successful campaign. She continues to work closely in her community to understand their wants and needs and work head-on to make sure that those things happen.  She lives with her twin daughters Kameron and Kayden in Eastpointe, Michigan. Her favorite Bible quote is “I can do all things through Christ,” and she continues to let others know they can too.

Richard Murphy


Michigan Municipal League

Richard Murphy is a Policy Research Labs program manager. He assists communities with transportation and land use planning, placemaking, economic development, and technology issues. Murph joined the League in 2014.  Previously, he served as city planner in Ypsilanti, programs director for Michigan Suburbs Alliance, and on the board of directors of the Regional Transit Authority of Southeast Michigan. He holds degrees in computer engineering and urban planning from the University of Michigan.

Bankers Only Session


Panel Discussion & Meet your Regulator 

Norma Polanco-Boyd 

Office of the Comptroller of the Currency

Kelly Robinson

Federal Deposit Insurance Corporation

Michael Wisniewski

Federal Deposit Insurance Corporation

Andrew Paine 

Federal Reserve Bank of Chicago


Moderator – Marty Spencer

Non-Profit Session

Federal Home Loan Bank of Indianapolis, Community Mentor Grant




FHLBank Indianapolis

Community Investment Department Manager at FHLBank Indianapolis. In this position he oversees the implementation and administration of the Bank’s Affordable Housing Programs. Through the Bank’s Member network, these grant programs provide funding throughout the Midwest and the nation for the purchase, rehab, and construction of affordable housing for low- and moderate- income households. Rori also manages Elevate, the Bank’s small business grant program and CIP, the Bank’s low interest lending program for housing and economic development. Prior to working at FHLBank Indianapolis Rori spent 15 years in retail banking in various capacities. He holds a bachelor’s degree in Business Administration from Butler University and received his MBA from Indiana Wesleyan University



FHLBank Indianapolis

Senior Community Investment Compliance Analyst

Ronna Edwards is a Senior CID Compliance Analyst at FHLBank Indianapolis. Ronna’s current responsibilities include administration, technical assistance, monitoring and compliance of FHLBI’s grant programs, focusing on homeownership programs including the Homeownership Opportunities Program – providing down payment and closing cost assistance to first time homebuyers; the Neighborhood Impact Program – providing rehabilitation funds for current homeowners, Accessibility Modification Program – which provides monies to address home modification needs for senior or disabled households and the Disaster Recovery Program. Ronna holds a bachelor’s degree in Public Relations and Journalism from Anderson University.



FHLBank Indianapolis

Anastasia Weinreich is a Community Investment Compliance Analyst at FHLBank Indianapolis. Anastasia is responsible for reviewing and monitoring grant requests for the homeownership initiatives program: HOP, NIP, AMP, and DRP. Anastasia also administers the Community Support Program, ensuring qualified FHLBank Indianapolis members are able to maintain access to long-term advances as required by the Federal Housing Finance Agency. Anastasia holds a bachelor’s degree from Purdue University, where she double majored in foreign language and international studies.



FHLBank Indianapolis

Michael Recker is the AHP Portfolio Manager at FHLBank Indianapolis where he manages a team of three Senior Compliance Analysts and oversees the administration of the Affordable Housing Program. This includes managing the application and award process, review and delivery of disbursements, compliance certification and monitoring reviews, delivering program related trainings, and technical assistance to ensure the success of our members and sponsors. Prior to FHLBank Indianapolis, Michael worked at the Indiana Housing and Community Development Authority (IHCDA) where he served in a similar capacity. Michael holds a bachelor’s degree in public administration with a concentration in management from Indiana University Indianapolis and is a Certified NDC Housing Development Finance Professional, Certified HOME Program Specialist, and Certified CDBG Grant Administrator.

Small Business Panel

How to Prepare your business for funding

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Warren S. Galloway, Jr., B.S. J.D.


Warren Galloway & Associate LLC

Warren S. Galloway, Jr. has more than 14 years of executive level banking and over 25 years of small business experience. He has worked in many capacities with nonprofit groups, individuals, and businesses. Mr. Galloway has served in key positions at some of the largest national and regional financial institutions in the United States—among them E*TRADE Bank, Charter One Bank (now known as Citizens Bank), Standard Federal Bank (now known as Bank of America), and NBD Bank (now known as Chase Bank)—holding a number of posts in Regulatory Affairs, Compliance, Community Reinvestment (CRA), Community Development, Personal and Mortgage Lending, Investments, Small Business Lending, and Retail Branch Operations.


Mr. Galloway earned a Bachelor of Science Degree in Marketing/Business Administration from Central Michigan University, as well as a Juris Doctor Degree from Western Michigan University Cooley Law School. After completing his education, he became a community advocate, working to rebuild urban and rural communities by utilizing funds from financial institutions, government, businesses, foundations, private individuals, and his own personal resources. Economic and financial empowerment, youth and social activism, affordable home ownership, leadership training and fundraising, small business lending, and entrepreneurship have become the staples of his leadership role in the community. He also provides independent life skills, employment readiness training, job placement services, and small business guidance consulting assistance to individuals with disabilities and ex-felons.


Jason Barnett


Invest Detroit

Mr. Barnett joined Invest Detroit in October 2016 with over 12 years of commercial banking and underwriting experience. He is focused on providing financing to promote small business growth and development and neighborhood retail. Most recently, Jason served as a Senior Loan Consultant for a commercial loan brokerage firm. There he was responsible

for a nonprofit and commercial lending portfolio of more than $20 million and was responsible for business development and full portfolio management

Tenecia Johnson


Detroit Economic Growth Corporation

Tenecia is a Communication professional with over a decade of customer service, outreach and  engagement, and relationship management experience delivering clear, concise, and strategic  messaging to desired stakeholders. Specializing in corporate and community relations, she has earned a reputation for developing  creative processes to improve both internal and external communication. Armed with a BA in Communication from Eastern Michigan University, Tenecia has enthusiastically  capitalized on opportunities to gain professional experience and expand her network by emerging  into the business, non-profit, and government communities in Detroit. Her roots began in customer service, working directly with external stakeholders of a Fortune 500 company. Her steadfast performance allowed her to excel far beyond her peers and advanced to a  leadership role in just a short time. In this role, she began to gain experience developing small teams as well as improving processes  to share information between departments. Her forward thinking allowed her to utilize an analytical mindset to directly impact the  recruitment and training of future employees. With these skill sets combined, Tenecia merged into the non-profit sector to focus on  exercising stakeholder engagement and relationship management skills. This opportunity allowed  her to continue to expand her network to include various industries in Detroit. Born in Detroit, she has a passion for ensuring fair and equal opportunities are available to  everyone. As an entrepreneur, she’s worked to build bridges between organizations and connect  people with resources to help improve their quality of life. She volunteers with philanthropic  organizations and is committed to service through her sorority.

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Marcus Rankins


Metro Community Development

Marcus Rankins is the Vice President of Asset Development for Metro Community Development.  He oversees economic development programs, commercial and small business lending, and financial counseling initiatives. Marcus attended the University of Michigan-Flint, receiving a Bachelor of Business Administration degree in 2008.  In 2014, Marcus received an MBA from Cleary University in Michigan.  He has more than a decade of experience working within banking, in addition to numerous years of experience in various operational roles.  Marcus is committed to ensuring underserved markets have the necessary access to resources and information.  As a former middle school basketball coach (girls and boys), and a former Varsity football assistant coach – Marcus is committed to building communities and ensuring fairness to all. He along with his wife and 2 children, reside in Genesee County.

Non-profits Session


Down payment Assistance Program

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Eric Dusenbury



Eric Dusenbury has been a Business Development Specialist with MSHDA’s Homeownership Division since January 2009 where he covers Southeast Michigan. Eric has over 20 years of experience in the mortgage industry and has held positions in retail and wholesale sales and management. He has also held positions in Project Management in the mortgage area dealing with the analysis and implementation of new mortgage products

Non-Profit Session


Better Business Models, Grants, Tips and Best Practices

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Emily Yeager



Emily Yeager, CAN Council President & CEO, earned her graduate degree in business administration in 2007 and has devoted her career to serving in the nonprofit industry. She has served the CAN Council in multiple capacities since 2002 – from a Children’s Advocacy Center intern to a Court Appointed Special Advocate volunteer, to roles in public awareness, donor relations and program management. She’s incredibly proud of the recent affiliation with Huron County CA/N Council, which allowed for the creation of a Children’s Advocacy Center in Bad Axe. Through this affiliation, the CAN Council now serves four counties: Arenac, Bay, Huron & Saginaw.


Audra Davis


United Way of Saginaw County

Audra Davis joined the United Way of Saginaw County team in August 2019 as their President and CEO.  It was her role serving as the Executive Director of a very small regional non-profit organization that brought her interest to the United Way and contributing to solutions that positively impact ALICE (Asset Limited Income Constrained Employed populations in our community).  She comes to the organization with over 30 combined years of experience in both the non-profit and for-profit sectors.  Audra serves on several community boards and committees some of which include Saginaw County Consortium of Homeless Assistance Providers (SC-CHAP), THRIVE Great Lakes Bay, and The Diaper Alliance.  Audra is happily married to her husband of 30 years and they are longtime residents of Saginaw County where they raised 3 amazing children.


Dina Harris


National Faith Home Buyers

Dina Harris, Founder and President of National Faith Home Buyers, has more than 40 years of experience in the housing industry. Dina is responsible for more than 6,000 families being able to realize the American Dream of Homeownership. Prior to creating National Faith Homebuyers Program, Dina worked in public housing serving as Deputy Director and Executive Director. She has been identified and recognized for her continued track record in housing development and community service.

Her education includes studies at Western Michigan University, Kalamazoo, MI and Washtenaw Community College studying both marketing and business administration. In 2006 Ms. Harris was accepted into the Harvard School of Divinity in Boston, Mass, The Community Leadership Program which she completed with a national preeminent list of mega ministers. Dina is married and the mother of four.


Lettice Crawford



Lettice Crawford is Director of Lending with IFF, a regional Community Development Financial Institution.  Lettice has been staffed in commercial lending and retail banking for over 20 years where she has helped many nonprofit organizations and for profit businesses throughout Michigan with their various financial needs.


As a lifelong resident of Detroit, Lettice is excited to be able to contribute professional and personally to the revitalization of the city not only through her mission based lending responsibilities, but also by connecting with her neighbors to build relations and improve quality of life within the block and community which she resides. 


Lettice currently serves on the Executive Committee of the Detroit CDFI Coalition.  She earned a Masters of Science in  Administration from Central Michigan University and a Bachelor of Science in Business Administration from the University of Detroit/Mercy.


Lettice is extremely passionate about family unity and loves spending quality time with her husband, children and grandbaby.



Better Business Models, Grants, Tips and Best Practices



Walter Mosley Esq.


Mosley & Associates

Walter Mosley is a corporate entertainment and labor/employment lawyer at Mosley & Associates, a firm that specializes in Labor & Employment, Corporate Transactions, Entertainment & Hospitality and Real Estate.


A committed lawyer to public service, Mr. Mosley is most proud of his ongoing representation of the Debbie Allen Dance Academy – the Los Angeles-based nonprofit that changes the lives of young people through the performing arts.  Before pursuing an entertainment law practice, he was a lawyer Skadden, Arps (NY & LA).


A graduate of Harvard Law School and recipient of the Dean’s Award (selected by Supreme Court Justice Elena Kagan) and Traphagen Distinguished Alumni Award, Mr. Mosley clerked for Judge Damon J. Keith on the U.S. Court of Appeals (6th Circuit). He is a member of the state bars of California and New York, and Federal Tax Court. 

Mr. Mosley holds an undergraduate degree from the University of Michigan (Computer Engineering). As a graduate student there, he developed specialized skill sets in economics, marketing, system/product design and cognitive behavioral science.   Mr. Mosley runs a successful hospitality and restaurant business — New Gold Empire West, where he has built the brands Beetle House (NYC, LA & Vegas) and Karnevil Hollywood.

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Christine Coady Narayanan


Opportunity Resource Fund

Christine Coady Narayanan is the President/CEO of Opportunity Resource Fund, a U.S. Treasury certified community development financial institution offering social impact investment opportunities for individuals and corporations throughout Michigan. OppFund in turn provides small business loans, funds affordable housing development, issues single family mortgages and is licensed and regulated as such by the Michigan Department of Finance and Insurance Regulation. Ms. Narayanan joined OppFund’s team in 1989 and has more than 35 years of experience with nonprofit corporations and in the public sector. She is a former elected official and currently serves on a number of boards and commissions. Ms. Narayanan was appointed to the Board of the Federal Home Loan Bank of Indianapolis as a public interest director in 2008 and continues this service; she currently and chairs the Succession Planning Committee of the Board.  She holds a B.A. in management and organizational development from Spring Arbor University, is a graduate of the National Internship in Community Economic Development and Michigan Municipal League’s Elected Officials Academy, and has completed certification through the Indiana University Center of Philanthropy.

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Bentley Charlemagne


Qme Spotlight Ecosystem

Bentley has 20+ years of experience in Print Creative and Logistics, Marketing, Branding, and Technology & Digital Solution Development

Bentley serves as the Chief Visionary and Solutions Concept Architect for the Spotlight Ecosystem.

Bentley is a master critical thinker who has a passion for solving problems by creating innovative technology solutions to help business and social impact challenges.

He has worked with Fortune 500 clients such as Citi-Bank, CTDI, Keystone Mercy Health, Christiana Care, and Verizon. He has worked with other countries to develop cultural branding identities to drive economic growth strategies for countries such as Spain, Australia, Africa, and many more. Under Bentley’s leadership, the Spotlight Ecosystem focuses on developing highly valuable and scalable technology IPs to promote transformational impact. He has grown this new company into a robust solutions ecosystem with partners and clients globally.

We develop innovative solutions that drive our partner's vision, initiatives, and actions to sustain small businesses' success and communities.

People & Business I Communities Economic Viability I Environmental (ESG) I Social Equity (Access to relevant communications and information) 

Qme Spotlight Ecosystem


Anthony Batiste



With over 12 years at LISC, Anthony Batiste currently serves as the Director of Lending and Portfolio Management for the local Detroit office.  His previous experience includes over 19 years of proven commercial lending experience in both developing and managing commercial loan relationships for businesses of varying sizes and industries.  In his role as Commercial Loan Officer, Batiste was one of a handful of African American lenders in the banking industry.  Earlier in his banking career, Batiste also managed a Loan Initiative Program which targeted start up and early stage businesses.  While at LISC, Batiste has been responsible for underwriting over $40 million in lending and managing various grants.  Batiste is also the local contract for LISC Small Business Lending and Economic Development and was instrumental in assisting another LISC office with the success of its Micro Business Relief Fund.  Batiste also worked on LISC’s taskforce for the national Payroll Protection Program administered through Immito, its Small Business affiliate.


Banker's ONLY Session

Bankers Annual Meeting

Michigan CRA Association

2021 Yearly Meeting

General Session

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John Byl

Autobooks Overview

John Byl, Senior Vice President of Product Development, Mercantile Bank of Michigan

John is a Certified Treasury Professional (CTP) who has held a variety of banking positions since 1991. Before coming to Mercantile, he spent time in branch management, sales and marketing, and treasury management for another area bank. He now leads the development and delivery of products and services that help Mercantile customers better manage their cash flow as well as the design and implementation of new products & services. In his spare time, John serves on several non-profit boards and volunteers his time with different non-profits in the West Michigan community.  He enjoys spending time outdoors and with his family.

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Derik Sutton

Autobooks Overview

Derik Sutton joined Autobooks in 2018 as VP of Product and Experience.  As part of the Autobooks executive team, Derik now leads the Marketing & Industry Insights for the Autobooks team.  In this role he regularly speaks at conferences and helps financial institutions better understand the small business segment and how to best serve their needs.  


Derik began his career with CSI, a company focused on the community banking market.  During his time with CSI he held a variety of roles before settling in to lead the product, sales, and design teams that brought the company’s first digital banking solution to market.  


Derik joined Banno, a leading provider of mobile and web solutions for banks and credit unions, as the VP of Product.  Banno was acquired by Jack Henry and Associates and Derik stayed on through the acquisition to continue to lead product for the Banno product line.  


Upon leaving Jack Henry, Derik founded Become Labs, a product and design company that helped fintech companies launch new brands and products as well as consulted with financial institutions on their digital strategy.  

General Session


Accounting Software Overview

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Dawn Jones

Intuit, Inc.

Working at Intuit for 20 years I help small business understand that finances is vital to the health of any Small Business.  Whether you’ve just opened or are a seasoned business owner our goal is to help you fully understand how to keep track of the money coming in and out of your business.  Having a true picture of where you stand financially will enable you to make smart and fast business decisions.


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