Joseph A. Zito joined the firm in 1995 and became a Director of Audit Services, specializing in the area of financial institutions in 2006. He has over thirteen years of audit experience specializing in certified audits for credit unions, community banks, mortgage companies, and credit card services. Mr. Zito also has extensive experience in internal auditing with a specialization in internal control and operational audits. Over the course of his career he has also gained experience in management consulting engagements, including:

Business plans and forecasts
Merger feasibility analysis and implementation
Strategic planning
Mortgage servicing rights valuation and implementation
ACH audits
Regulatory Compliance
Deferred loan origination fee and cost implementation
Loan quality analysis
IT audits
Internal controls and evaluations

Education

Master of Business Administration degree – University of Detroit-Mercy

Bachelor of Arts degree in Accounting – Wayne State University

Memberships and Affiliations

American Institute of Certified Public Accountants

Michigan Association of Certified Public Accountants

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Joseph A. Zito, CPA, MBA

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