Miguel A. Calderon ’75 graduated from Buffalo State with a degree in Criminal Justice. Miguel currently serves as the Managing Director/Credit Risk Executive for JPMorgan’s Commercial Bank Specialized Industries Group with national coverage responsibility for Municipal, Higher Education, Healthcare and Not-for-Profit clients. Miguel and his risk team manage a multi-billion dollar credit portfolio. He has been with JPMorgan and its predecessor banks for over 40 years, first starting his banking career with Chemical Bank in 1976 .