Elevations Credit Union CEO and leadership

Michael serves as chief financial officer and is responsible for ensuring Elevations’ long-term financial sustainability. He oversees accounting and finance, secondary marketing, internal audit, enterprise fraud management, credit risk management, enterprise transformation, operations and corporate real estate. Prior to joining Elevations in 2010, Michael served as chief financial officer and treasurer for Guaranty Bank, a large, publicly held financial institution headquartered in Austin, Texas. Michael also served for five years as a regulatory examiner and capital markets specialist for the U.S. Office of Thrift Supervision. He holds a bachelor’s degree in finance and accounting from Stephen F. Austin State University in Texas and is a Chartered Financial Analyst. Michael also serves as a board member of Mental Health Partner.

As chief operating officer, Ray directs all aspects of the credit union’s consumer, mortgage and business lending programs plus wealth management. He oversees Elevations’ retail delivery channels - including all branches and the contact center. He has been instrumental in making Elevations the No. 1 credit union mortgage lender in Colorado, the No. 1 mortgage lender in Boulder County and a top three mortgage lender in Broomfield and Larimer counties. Ray held leadership roles with Washington Mutual and Chase before joining Elevations in 2013. A graduate of Northwest Nazarene University, he holds a bachelor’s degree in accounting and a master’s of business administration in economics. In 2016, he graduated from the CUES Institute of Executive Leadership as a Certified Credit Union Executive. Ray serves as the chair of CUNA Lending Council’s executive committee, a group that supports and develops the lending practices of credit unions across the country.