Peggy A. Cummins-Polinski
Board Chair

Peggy Cummins-Polinski is the Managing Member of Four C’s Consulting, LLC. Peggy has over 37 years of experience in commercial banking and distressed financing. She began her career at Comerica Bank in Detroit, and over her 23 years at that organization held lending, credit, and market management positions. In 2005, she moved to Citizens Republic Bank (now Huntington Bank) where she spent three years as a senior vice president managing a middle market lending group; in 2008, she assumed the role of SVP Special Assets to manage a team to assist the Bank in exiting over $1-billion of distressed commercial credits. In July 2015, Peggy joined a group of former Citizens Republic Bank colleagues to create a specialty finance unit—WNB Specialty Finance, based in Novi, Michigan. Peggy held the position of Senior Managing Director/Senior Credit Officer and was responsible for developing policies and procedures for the various specialty finance business lines, managing the underwriting process and credit approval, regulatory examinations and reporting, and workout functions of the division. The business unit grew to $550-million of loans outstanding at the time of its sale in February 2019. Following the sale, Peggy retired from the banking industry and formed Four C’s Consulting, LLC, to provide financial advisory services to banks, distressed companies, and court appointed Receivers and Bankruptcy Trustees. Peggy is a member of the Turnaround Management Association, the International Women’s Insolvency and Restructuring Confederation, and the Commercial Finance Association. She received a Bachelor of Business Administration in Accounting from the University of Michigan Ann Arbor and a Master of Business Administration in Finance and Management from the University of Michigan Ann Arbor..