Sterling National Mortgage
Industry: Company
DescriptionFounded: 1987 Parent organizations: Sterling National Bank, Sterling Bancorp Trust I
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Sterling National Mortgage Employees
Fort Glen USA March 2015 - Present
United Mortgage Corp. January 2015 - Present
MCS Mortgage Bankers Inc. June 2013 - November 2014
Sterling National Mortgage November 2007 - August 2008
Old Merchants Mortgage Bankers May 2004 - August 2007
Lehman Brothers June 2001 - August 2001
CNCG June 2000 - August 2000
Skills
Finance, Mortgage Lending, Loans, Credit, Mortgage Banking, Investment Banking, Investments, Real Estate Financing, Consumer Lending, Small Business Lending, Hebrew, Underwriting, Residential Mortgages, Loan Origination, Account Reconciliation, Banking, Sales, Credit Analysis, Investment Properties, Reverse Mortgages, Jumbo Mortgage, Mortgage Servicing, Real Estate Development, Real Estate, Economics, Sales Management, Customer Service, Customer Satisfaction, Sales Operations, Direct Sales, Business Development, Mortgage Marketing, Banking Law, Real Estate Economics, Refinance, FHA, Commercial Mortgages, FHA financing, First Time Home Buyers, VA loans, Cross Selling, Financial Services, Relationship Management, Mortgage Underwriting, Financial Analysis, Due Diligence, REO, Referrals, Real Estate Transactions, Investors
Education
Queens College 2009 — 2013
Bachelors of Arts, Economics
Queensborough Community College 2009 — 2010
Associates, Business Administration
Icon Advisory April 2015 - Present
Bank of America November 2014 - April 2015
Bank of America November 2010 - November 2014
Bank of America September 2008 - November 2010
Bank of America November 2007 - September 2008
Bank of America February 2007 - November 2007
Sterling National Mortgage September 2004 - February 2007
Sebring Capital July 2003 - July 2004
First Horizon Home Loans August 2002 - July 2003
Skills
Secondary Marketing, Product Management, Small Business, Pricing Strategy, Pricing Analysis, Home Equity Lines of..., Consumer Products, Competitive Analysis, Finance, Financial Analysis, Public Speaking, Secondary Market, Mortgage Banking, Capital Markets, Retail Banking, Hedging, Credit Cards, Analytics, Strategy, Leadership, Mortgage Lending, Credit, Portfolio Management, Loan Origination, Loans
Education
University of Arkansas at Fayetteville 1997 — 2001
Bachelor of Science (BS), Finance
Coastline Insurance Services October 2013 - Present
Liberty Mutual Insurance September 2009 - October 2013
Oce Printing Systems September 2008 - September 2009
Sterling National Mortgage December 2007 - May 2008
Countrywide Full Spectrum Lending May 2006 - November 2007
Skills
Sales Management, Insurance, Mortgage Banking, Residential Mortgages, Property & Casualty..., Life Insurance, Sales Presentations, Sales Operations, Outside Sales, affinity marketing, Fixed Annuities, Universal Life
Education
University of North Carolina at Wilmington 2003 — 2006
Bachelor of Business Administration (B.B.A.), Business Management, 3.0
Ward Melville 1997 — 2000
Regents Diploma, Spanish
InterContinental Capital Group November 2014 - Present
Sterling National Bank July 2011 - Present
Sterling National Mortgage October 1997 - July 2011
Skills
Accounting, Finance, Mortgage Banking, Banking, Financial Analysis, Residential Mortgages, FHA, Management, Strategic Planning
Education
Long Island University, Southampton Campus
Marketing/Marketing Management, General
Publishers Clearing House September 2015 - Present
CafeMom March 2014 - June 2015
CafeMom October 2012 - March 2014
North Shore-LIJ Health System September 2011 - October 2012
Return Path April 2011 - September 2011
Tutor.com February 2007 - March 2011
Tutor.com April 2005 - February 2007
American Museum of Natural History 2005 - 2005
Sterling National Mortgage 2001 - 2005
Skills
Social Media, Blogging, Employee Engagement, Educational Technology, Corporate Communications, Facebook, Internal Communications, Content Development, Digital Marketing, Integrated Marketing, Strategic Communications, Email Marketing, Marketing Communications, Social Media Marketing, Online Publishing, Facebook Fan Page..., Strategic Content..., Digital Strategy, Online Marketing, Customer Relationship, Customer Experience, Digital Media, Wordpress, Content Strategy, Twitter, Strategy, Management, Marketing Strategy, Marketing
Education
Queens College 2000 — 2004
Anthropology, Archaeology
Benjamin N. Cardozo High School 1997 — 2000
BCB Community Bank July 2014 - Present
Abacus Federal Savings Bank January 2013 - July 2014
Gotham Bank of NY April 2010 - August 2012
Metropolitan National Bank August 2006 - April 2010
Sterling National Mortgage December 1997 - August 2006
Skills
Loans, Commercial Real Estate, Residential Mortgages, Commercial Mortgages, Portfolio Management, Real Estate, Commercial Lending, Loan Origination, Residential Homes, Banking, Mortgage Lending, Finance, Underwriting, Real Estate Economics, Small Business Lending, Credit, Refinance, Small Business, Condos, Management, Marketing, Property, FHA
Education
State University of New York College at Oswego 1984 — 1988
Businesss Administration, Marketing & Finance
Kantar Media October 2014 - Present
Starlite Media September 2012 - October 2014
Vector Media New York February 2011 - September 2012
Vector Media New York September 2007 - February 2011
Sterling National Mortgage August 2004 - September 2007
Skills
Advertising, Social Media, Email Marketing, Outdoor Advertising, Graphic Design, Photoshop, Illustrator, InDesign, Flash, Dreamweaver, Constant Contact, Microsoft Office, Wordpress, Online Advertising, Microsoft Word, Social Networking, Interactive Marketing, Integrated Marketing, Web Design, Event Planning, PPC, Sponsorship, Logo Design, Press Releases, Brand Management, Copywriting, Digital Marketing, Digital Strategy, Facebook, Marketing, Corporate Branding, Marketing Communications, Creative Direction, Direct Marketing, Mobile Marketing, Brand Development, Digital Media, Adobe Creative Suite, Blogging, Social Media Marketing, Media Planning, Advertising Sales, Media Buying, PowerPoint, Marketing Strategy, Relationship Marketing, Brand Awareness, Direct Mail
Education
State University of New York at Buffalo 2000 — 2004
Bachelor's degree, Communication and Media Studies
General Assembly 2014 — 2014
Digital Marketing
Sterling National Mortgage August 2010 - September 2011
Education
Nassau Community College 2008 — 2009
NYE, Liberal Arts and Sciences/Liberal Studies, Some College
Citizens Bank April 2015 - Present
DE Capital Morthage an affiliate of Douglas Elliman April 2008 - March 2015
MortgageIT/Duetsche Bank March 2003 - March 2008
Sterling National Mortgage July 2001 - March 2003
Skills
FHA, VA Loans, Loans, Mortgage Lending, Underwriting
Education
Hofstra University
Sterling National Bank January 2013 - Present
Sterling National Bank January 2012 - January 2013
Sterling National Bank April 2010 - March 2012
Sterling National Mortgage April 2002 - August 2010
Sterling National Mortgage April 2002 - January 2010
Skills
SQL Server 2000-2008, Project Portfolio..., Cloud Computing, Microsoft Office, Change Management, Strategic Planning, Sarbanes-Oxley, Receivables Financing, TempWorks Software, Mortgage Banking, Personnel Management, Windows Server, Project Management, Google Apps, Live Office, Disaster Recovery, Compliance, Accounts Receivable, Microsoft SQL Server, Management, Outsourcing, Commercial Lending, Risk Management, Vendor Management, Cash Management, Team Building, Analysis, SaaS, IT Management, Mortgage Lending, Banking, Business Development, Credit, Loans, Financial Services, Executive Management, Finance, Portfolio Management, Loan Origination, Business Analysis
Education
University at Albany, SUNY 1997 — 2001
BS, Business - MIS/Finance
NYU SCPS 2012 — 2012
Credit Training And Analysis, Finance
Makosi Consulting May 2015 - Present
Capco April 2013 - May 2015
FCE Group / Excelsior Management LLC October 2011 - March 2013
Morgan Stanley July 2010 - July 2011
Sterling National Mortgage March 2010 - July 2010
Mitlin Financial, Inc. June 2008 - February 2009
JP Morgan Chase January 2008 - June 2008
Skills
Equities, Securities Lending, Fixed Income, Hedge Funds, Client Services, Financial Services, Securities, Financial Markets, Wealth Management, Mortgage Lending, Middle Office, Financial Analysis, Investment Advisory, Management Consulting, Project Management, MS Project, PowerPoint, Visio, Process Flow..., Process Flow Charts, Valuation, Mutual Funds, Bloomberg, Asset Allocation, Investment Management, Finance, Asset Management, Capital Markets, Alternative Investments, Derivatives, OTC Derivatives, Interest Rate Swaps
Education
Stony Brook University 2004 — 2009
Bachelor of Science (B.S.), Business Management
Stony Brook University 2004 — 2009
Bachelor of Science (B.S.), Economics
DivaBooStylesNails January 2013 - Present
MclarenKickShop February 2012 - Present
DVB-StylesNyc Accessories December 2011 - Present
Jones Magazine September 2011 - Present
DivaBooSylesNyc January 2011 - Present
Advantage Technical Resourcing April 2010 - Present
Creative Media Agency 2009 - May 2010
Alloy Media + Marketing 2008 - 2008
GfK Custom Research 2006 - 2007
Sterling National Mortgage May 2003 - May 2006
Education
Fashion Institute of Technology 2003 — 2007
BA
Saint John's Prep 1997 — 2000
Wells Fargo July 2015 - Present
Wells Fargo October 2011 - July 2015
InterContinental Capital Group April 2010 - August 2011
Sterling National Mortgage April 2007 - August 2009
Skills
Investment Properties, FHA, Real Estate, Mortgage Banking, First Time Home Buyers, Customer Service, Residential Mortgages, Sales, Loan Origination, Refinance, Short Sales, Underwriting, Real Estate Transactions, Foreclosures, FHA Financing, Banking, Mortgage Lending, Credit, VA loans, Loans, Reverse Mortgages, USDA, FHA financing
Education
Liberty University
Bachelor of Business Administration (B.B.A.)
Franklin First Financial, Ltd. November 2014 - Present
The Mondays April 2006 - Present
Wells Fargo Home Mortgage January 2013 - November 2014
Residential Mortgage Division April 2012 - January 2013
Sterling National Mortgage January 2011 - December 2011
Edge Radio January 2009 - August 2010
Franklin First Financial, Ltd. 2001 - 2007
Delta Funding Corporation July 1995 - September 2001
Skills
FHA, Mortgage Lending, Banking, Mortgage Banking, Refinance, Credit, Credit Analysis, Underwriting, Investment Properties, Loan Origination, Finance, Sales, Loans, Residential Mortgages, Real Estate, Negotiation, First Time Home Buyers, VA Loans, Residential Homes, Real Estate Transactions, FHA Financing, Condos, Financial Services
Education
Connecticut School of Broadcasting 2008 — 2009
Certificate, Applied Science
Pace University 1984 — 1988
batchelor of arts, Marketing
Dreamit Ventures July 2015 - August 2015
Sterling National Bank July 2010 - April 2014
Sterling National Mortgage May 2009 - July 2010
Sterling National Mortgage March 2007 - April 2009
Sterling National Mortgage January 2006 - February 2007
First Investors January 2005 - May 2005
Binghamton University September 2004 - December 2004
Federal Reserve Bank of NY October 2004 - November 2004
Binghamton University February 2004 - May 2004
Education
New York University - Leonard N. Stern School of Business 2014 — 2016
Master of Business Administration (MBA), Management of Technology & Operations, Management, Entrepreneurship & Innovation
Binghamton University 2002 — 2005
Bachelor of Science, Financial Economics
Chartered Financial Analyst Institute
Family Heritage Life Insurance Company of America May 2015 - Present
Organize It Roanoke! July 2013 - Present
Lichtenstein Rowan Realtors September 2013 - August 2015
First Financial Services, Inc. July 2012 - May 2013
First Financial Services, Inc. July 2012 - March 2013
Stratford Properties, Inc. January 2008 - July 2012
West End Center December 2007 - July 2012
Allen Tate Realtors July 2006 - November 2007
Sterling National Mortgage October 2004 - July 2006
Skills
Professional Organizing, Mortgage Banking, Real Estate, Marketing, Team Building, Mortgage Lending, Strategic Planning, Residential Mortgages, Event Planning, Small Business, Sales, Customer Service, Budgets, Sales Management, Management, Residential Homes, Nonprofits, Real Estate Financing, Operations Management, Social Media, Microsoft Office, Investors, Leadership, Public Relations, Negotiation, Fundraising, First Time Home Buyers, Loan Origination, Microsoft Excel, Refinance, Banking, Human Resources, PowerPoint, Credit, Contract Negotiation, Loans, Investment Properties, Community Outreach, Event Management, Leadership Development, Non-profits, Training, Social Networking, VA loans, Finance, HR, Office 365, Live TV, Hoardings
Education
Radford University 2000 — 2001
Business, Management, Marketing, and Related Support Services
J.Y. Monk School of Real Estate
Real estate agent license
Mingle Real Estate School
Real Estate Broker License
Exit Alliance Realty October 2014 - Present
Entrance 1 Realty LLC. January 2008 - Present
Sterling National Mortgage June 2004 - October 2007
Skills
Mortgage, Mortgage Lending, Real Estate, Foreclosures, Sellers, Short Sales, First Time Home Buyers, Buyer Representation, Loan Modifications, Real Estate Economics, Investors, Loss Mitigation, Residential Homes, Property Management, REO, Investment Properties, Real Property, Negotiation, Customer Satisfaction, Foreclosure Defense, Real Estate Transactions, Single Family Homes
Education
University of Phoenix 2010 — 2014
Bachelor of Science (BS), Criminal Justice Administration
Georgetown Guyan
EF Education First May 2013 - Present
Kaplan Test Prep and Admissions August 2010 - May 2013
NYC Department of Education September 2006 - June 2009
Sterling National Mortgage December 2004 - August 2006
Samuel Field YM/YWHA February 2002 - August 2004
Education
Adelphi University
MA, Education
Adelphi University 1996 — 2000
Bachelor of Arts (B.A.)
NEFCU September 2014 - Present
Sterling National Bank / Residential Mortgage Division October 2013 - September 2014
PNC Mortgage 2011 - 2013
Sterling National Mortgage January 2008 - February 2009
Wells Fargo Home Mortgage June 2007 - January 2008
American Home Mortgage May 2004 - April 2007
C W Post College 1972 - 1974
Skills
Loan Origination, Loans, Mortgage Banking, FHA, Residential Homes, Refinance, First Time Home Buyers, Mortgage Lending, Reverse Mortgages, Mortgage Marketing
Education
C W Post 1972 — 1974
BA, Cinema Arts
University of Miami 1970 — 1972
Music Merchandising
Syosset High School
J.P. Morgan September 2011 - Present
ALPFA, Inc. — Empowering Latino Leaders 2010 - 2014
J.P. Morgan August 2010 - June 2011
NYC Department of Correction May 2010 - December 2010
Sterling National Mortgage July 2007 - May 2008
Skills
Financial Analysis, Microsoft Excel, Finance, Financial Reporting, PowerPoint, Bloomberg, Financial Accounting, Data Analysis, Access, Microsoft Word, Customer Service, Outlook, Real Estate, Management, Banking, Leadership, Budgets, Analysis, Investment Banking, Accounting, Project Planning, Financial Risk, Risk Management
Education
Baruch College, City University of New York (CUNY) 2009 — 2011
MS, Accountancy
Luxury Mortgage Corp March 2015 - Present
Sterling National Mortgage July 2006 - March 2015
Revit/Autodesk 2000 - 2004
Fidelity Investments 1994 - 2000
Education
University of Hartford 1988 — 1992
Thayer Academy 1985 — 1988
Millward Brown September 2013 - Present
Ipsos February 2013 - September 2013
Millward Brown September 2012 - February 2013
Millward Brown January 2012 - September 2012
Millward Brown October 2005 - December 2011
Millward Brown July 2004 - September 2005
Millward Brown April 2003 - July 2004
Sterling National Mortgage July 2002 - April 2003
Skills
Quantitative Research, Quantitative Analytics, Market Research, Questionnaire Design, Survey Methodology, Data Analysis, Consultation, Copy Testing, Brand Health Tracking, Consumer Insight, Brand Equity, Advertising Research, Survey Design, Analytics
Education
Tufts University 1998 — 2002
Bachelor of Arts (B.A.), Psychology
Headlands Asset Management January 2010 - Present
Topdot Mortgage February 2009 - December 2009
Topdot Mortgage December 2007 - February 2009
Bear Stearns / EMC Mortgage Corp. May 2006 - November 2007
Sterling National Mortgage September 2004 - May 2006
Sterling National Bank June 2003 - September 2004
Credit Suisse July 1997 - May 2003
Skills
Mortgage Lending, Loans, Portfolio Management, Mortgage Banking, Loan Servicing, Residential Mortgages, Refinance, FHA, Loss Mitigation, Mortgage Servicing, Credit, Loan Origination, Mortgage Underwriting, Securitization, Underwriting, Real Estate Financing, Credit Analysis, Real Estate Economics, Loan Modifications, Financial Structuring
Education
Lehigh University - College of Business and Economics 1993 — 1997
Chaminade 1989 — 1993
Friends & Foundation of the Rochester Public Library September 2013 - Present
University of Rochester 2006 - August 2013
Sterling National Mortgage 2005 - 2006
Option One Mortgage 2003 - 2005
Skills
Direct Mail, Strategic Planning, Event Planning, Marketing Communications, Public Speaking, Business Development, Financial Modeling, Fundraising, Event Management, Market Research, Social Media, Research
Education
Northeastern University - Graduate School of Business Administration 2001 — 2003
MBA, Marketing/Marketing Management, General
University of National and World Economy, Sofia Bulgaria
BS, Economics
Wells Fargo Bank September 2011 - Present
Wachovia, A Wells Fargo Company May 2010 - September 2011
Wachovia Bank October 2007 - May 2010
Synechron October 2006 - October 2007
Sterling National Mortgage April 1996 - October 2006
Skills
Mortgage Banking, Portfolio Management, Credit, Loans, Underwriting, Mortgage Lending, Finance
Education
Quinnipiac University 1988 — 1992
BS, Marketing
Wachovia Mortgage May 2007 - Present
Wachovia Mortgage 2007 - Present
Sterling National Mortgage November 1999 - May 2007
Education
Central Piedmont Community College
Bank of America April 2008 - Present
Sterling National Mortgage December 2003 - January 2008
Education
Chaffey College 1977 — 1978
Business
HomeServices Lending July 2012 - Present
Menlo Park Funding August 2012 - 2014
Real Estate Mortgage Network August 2010 - March 2011
Sterling National Mortgage 2009 - 2010
Armstrong Management Services, Inc. 2003 - 2005
Skills
FHA, Mortgage Lending, Loans, Real Estate, Credit, Financial Analysis, Microsoft Excel, Banking, Sales, Loan Origination, Residential Mortgages, Mortgage Banking
Education
Hofstra University 2004 — 2009
Bachelors, International business/finance
Flint HIll 2001 — 2005
Magen David Yeshivah High School January 2012 - Present
New York Department of Labor May 2010 - January 2012
Yeshiva Derech Hatorah September 2007 - September 2010
John Dewey High School September 2009 - May 2010
Sterling National Mortgage September 2007 - September 2008
Skills
Real Estate, Microsoft Excel, Outlook, Banking, Microsoft Word, Credit, Access, Microsoft Office, PowerPoint, Sales, Loans, Career Counseling, Training, Curriculum Design, Psychotherapy, Staff Development, Student Counseling, Higher Education, Coaching, Teaching, Nonprofits, Community Outreach, Career Assessment
Education
Long Island University, Brooklyn Campus 2008 — 2010
M.S.Ed., School Counseling
Binghamton University 2003 — 2005
Bachelor of Art, History
HAFTR 1998 — 2001
High School Diploma
JPMorgan Chase May 2011 - Present
InterContinental Capital Group February 2010 - April 2011
Sterling National Mortgage November 2007 - September 2010
Skills
Mortgage Lending, Mortgage Banking, FHA, Refinance, Residential Mortgages, Loan Origination, Loans, VA loans, FHA financing, USDA, Credit, Reverse Mortgages, Banking, Credit Analysis, Mortgage Underwriting, Finance, Underwriting, Investment Properties, Real Estate, First Time Home Buyers, VA Loans, FHA Financing
Education
Stony Brook University 1994 — 1998
Bachelor of Arts (B.A.), Economics
EverBank March 2013 - Present
RECOVCO 2010 - 2012
Sterling National Mortgage March 2010 - March 2011
Lend America September 2008 - December 2009
Lend America September 2007 - September 2008
Countrywide Home Loans September 2005 - September 2007
Carr Securities December 2001 - September 2005
Skills
Residential Mortgages, Mortgage Lending, Loans, FHA, Credit Analysis, Investment Properties, Refinance, Underwriting, USDA, Mortgage Banking, Mortgage Underwriting, Loan Origination, Real Estate, Government Loans, Finance, Credit, Reverse Mortgages, VA loans, FHA financing, Commercial Lending, Real Estate Financing, Small Business Lending, Loan Servicing, Risk Management, Credit Risk, Investments, Consumer Lending, Financial Structuring, Banking, First Time Home Buyers, Construction Loans, Certified Mortgage...
Education
State University of New York College at Oneonta 1997 — 2001
Bachelors, Business Economics
Bellmore JFK 1994 — 1997
Wells Fargo Home Mortgage October 2010 - Present
Wells Fargo Home Mortgage October 2010 - Present
Sterling National Mortgage Inc September 2009 - October 2010
Sterling National Mortgage August 2009 - September 2010
AFCO Systems Inc May 2008 - September 2009
ASD - Melville May 2004 - May 2008
Mallia Athletics Inc June 2006 - September 2007
Skills
Mortgage Lending
Education
Loyola University Maryland
Marketing, Business
Loyola University in Maryland
Business Administration Degree, Marketing
SUNY Farmingdale
Capital One Bank NMLS # 968747 April 2011 - Present
Sterling National Mortgage November 2009 - April 2011
Allegiance Mortgage Corporation October 2007 - November 2009
First Fidelity Mortgage Group, Ltd. July 2002 - October 2007
Component Source, Inc. May 1999 - April 2002
Skills
FHA, Mortgage Lending, Mortgage Banking, Residential Mortgages, Underwriting, Credit, Loans, Loan Origination, Refinance, Real Estate, USDA, VA loans, Banking, Credit Analysis, Commercial Banking, Portfolio Management, Construction Loans, Foreclosures, REO, Commercial Lending, Mortgage Underwriting, Investment Properties, First Time Home Buyers, Real Estate Economics, Residential Homes, Financial Analysis, FHA financing, Finance, Reverse Mortgages, Commercial Mortgages, Funding, Investors, Real Estate Transactions, Sales, Real Estate Financing, Loss Mitigation, Home Equity Loans, Investments, Mortgage Marketing, Small Business Lending, Certified Mortgage..., Sales Management, Government Loans, Loan Servicing, Consumer Lending, Partnerships, FHA Financing, VA Loans
Education
State University of New York College at Oneonta
Sterling National Mortgage March 2006 - August 2007
Chrysler Corparation February 1990 - April 2006
Skills
Microsoft Excel, Social Services, Psychology, Teaching, Public Speaking, SPSS, Fundraising
Education
kaplan University- Online Campus 2015 — 2019
Master’s Degree, Counseling Psychology
Liberty University 2010 — 2014
Master’s Degree, HSER- Marriage & Family
North Carolina A. & T. State University
Sociology/Psychology
Torrence-Lytle High School
National Debt Relief July 2014 - Present
Chase March 2011 - March 2014
Sterling National Mortgage February 2010 - February 2011
Gold Coast Financial August 2007 - December 2009
Skills
Sales Management, Contract Negotiation, Management, Mortgage Lending, Business Strategy, Leadership, Real Estate, Loans, Sales, Banking, FHA, Financial Analysis, Investments, Underwriting, Credit, Customer Service, Credit Analysis, Loan Origination, Mortgage Banking
Education
City University of New York-Hunter College 2004 — 2007
Raymond James Financial Inc. November 2014 - Present
JPMorgan Chase April 2012 - December 2013
Quicken Loans August 2010 - December 2011
Sterling National Mortgage 2009 - 2010
Skills
Mortgage Lending, Mortgage Banking, Loans, Loan Origination, Refinance, FHA, Credit, Residential Mortgages, VA loans, FHA financing, Banking, Credit Analysis, Financial Analysis, Government Loans, VA Loans
Education
Michigan State University
Bachelor's Degree, Economics
Kalamazoo Valley Community College
Associate's Degree, Business Administration and Management, General