Michael Desimone

Michael Desimone is the Senior Vice President and Chief Banking & Lending Officer at Citadel Credit Union, where he oversees retail strategy, sales, expansion, commercial banking, alongside lending and insurance, bringing these functions together to deliver a more seamless banking and lending experience for members.

At Citadel, Michael has led the transformation of the lending function through the deployment of agentic AI and machine-learning solutions designed to improve decisioning, automation, and credit performance. He has also expanded Citadel’s product offering, including the launch of SBA lending programs, positioning the credit union for continued growth in business banking.

Prior to joining Citadel, Michael held senior leadership roles across fintech and banking, including Vice President of Product Management at Numerated Growth Technologies and leadership positions at People’s United Bank, Square 1 Bank, Lighter Capital, and KeyBank.

With more than two decades of experience spanning credit risk, underwriting, product development, and operational strategy, Michael bring a practical perspective on implementing emerging technology within highly regulated lending environments. His work focuses on scaling lending platforms, and delivering data-driven outcomes that enhance both organizational performance and expanding access to credit for members and businesses.