Michael Edward Utley (born 1947) is an American musician, songwriter, record producer, and was the musical director and keyboard player for Jimmy Buffett's Coral Reefer Band.

He then debated either taking pre-med lab exam or going to Memphis and help Tony Joe White record his second album and chose the latter.

[1] Utley worked with the house band for Atlantic Records in Miami, Florida's Criteria Studios backing performers such as Aretha Franklin, Jerry Jeff Walker, and the Allman Brothers and in California playing with Rita Coolidge and Kris Kristofferson.

In 1973, Jerry Jeff Walker recruited Utley to play keyboard instruments on Buffett's first major label album, A White Sport Coat and a Pink Crustacean.

After Buffett's death Michael retired from touring and his son Mick took over the role of playing the keyboards fulltime in the Coral Reefer Band.