Mr. Michael G. Smelko, also known as Mike, has been the Chief Credit Officer of Northwest Bancshares, Inc. since 2009 and serves as its Executive Vice President. Mr. Smelko serves as Chief Credit Officer and Executive Vice President of Northwest Savings Bank. Mr. Smelko serves as Senior Vice President of Northwest Bancorp Inc. Mr. Smelko continue to supervise the Credit Administration Division, which includes the Loan Review and Loss Mitigation Departments and to provide active oversight of Northwest Savings's credit policies and credit position. He is responsible for the ongoing review of the credit quality of Northwest Savings's loan portfolio including the risk ratings assigned to individual credits. He also oversees the quarterly preparation of the analysis of the adequacy of the reserve for loan losses and the preparation of reports that evaluate credit risk for presentation to the Risk Management Committee of the Board of Directors. With eight years of community banking management experience in Pittsburgh, Mr. Smelko joined Northwest in 1997 as the Manager of the Bridgeville Office in Allegheny County. Following numerous successes in building the bank's business and reputation in the area, he was promoted to District Manager of the South Hills District in 2002. In May 2005, he relocated to the Corporate Headquarters in Warren to join Northwest's Retail Lending Division and was named head of that division in September 2007. Mr. Smelko is a volunteer soccer coach for the Warren YWCA, a baseball coach for the Warren Youth Baseball League and is a member of the Warren YMCA Building Committee. He earned a Bachelor of Science degree in General Business with an Economics Minor from Penn State - Behrend in 1989. He is a 2000 graduate of the Pennsylvania Bankers Association Advanced School of Banking and an August 2009 graduate of the Graduate School of Banking at the University of Wisconsin.