First Volunteer Bank
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First Volunteer Bank Employees
The Hutton Company June 2015 - Present
First Volunteer Bank January 2011 - May 2015
CIGNA January 2001 - May 2010
Pavestone Company December 1999 - January 2001
Skills
Account Reconciliation, General Ledger, Health Insurance, Financial Accounting, Accounts Receivable, Accounts Payable, Customer Support, Customer Experience, Billing Systems, Sarbanes-Oxley Act, Invoicing, Data Entry, Insurance, PeopleSoft, Financial Statements, Bank Reconciliation, Employee Benefits, Journal Entries, Microsoft Excel, Balance, Customer Service, Process Improvement, Microsoft Office, Strategic Planning, Leadership, Team Building, Financial Analysis, Budgets, Sales
Education
The University of Tennessee at Chattanooga 1995 — 1999
Bachelor of Science (B.S.), Psychology
Carson-Newman College 1994 — 1995
First Volunteer Bank November 2012 - Present
FSGBank, NA June 2004 - November 2012
AmSouth Bank September 2001 - June 2004
Skills
Commercial Banking, Trust Management, Wealth Management..., Private Banking, Physicians, Commercial Real Estate, Small Business Lending, Loans, Consumer Lending, Loan Origination, Portfolio Management, Commercial Lending, Banking, Credit Analysis, Financial Analysis, Lines Of Credit, Strategic Planning, Treasury Management
Education
Auburn University 1980 — 1984
Bachelor's degree, International Business
Dunwoody High School 1978 — 1980
First Volunteer Bank October 2014 - Present
First Volunteer Bank June 2010 - October 2014
Skills
Sales, Financial Analysis, Customer Service, Banking, Cold Calling, Loan Origination, Strategic Planning, Team Building, Leadership, Credit, Sales Management, Training
Education
Roane State Community College
Associate of Science (A.S.), Business Administration and Management, General
Unum August 2012 - Present
CapitalMark Bank & Trust December 2011 - August 2012
American Trust Bank of East Tennessee September 2010 - December 2011
First Volunteer Bank October 2006 - September 2010
First Tennesee Bank 2004 - 2006
Skills
Financial Services, Banking, Loans, Credit Analysis, Underwriting, Credit, Small Business Lending, Commercial Banking, Loan Origination, Commercial Lending, Mortgage Lending, Financial Analysis, Portfolio Management, Mortgage Banking, Consumer Lending, Customer Service, Credit Risk, Accounting, Retail Banking, Finance, Analysis, Financial Risk, Risk Management, Process Improvement, Relationship Management, Cash Management, Lines Of Credit, Small Business, Insurance
Education
The University of Tennessee at Chattanooga 2005 — 2006
MBA, Business
The University of Tennessee at Chattanooga 2001 — 2005
B.S., Business
CSAS 1999 — 2001
First Volunteer Bank January 2011 - May 2012
Education
Michigan State University 2007 — 2010
Bachelor of Arts, Finance
First Volunteer Bank April 2011 - Present
Gateway Bank & Trust July 2004 - April 2011
Union Planters Bank November 1998 - May 2004
Skills
Commercial Lending, Commercial Banking, Underwriting, Small Business Lending, Credit, Loans, Financial Analysis, Credit Analysis, Credit Risk, Sales, Investment Properties, Negotiation, Banking, Cash Flow
Education
Graduate School of Banking at LSU 2007 — 2009
The University of Tennessee at Chattanooga 1996 — 2002
Master, Finance
Dalton Dermatology & Day Spa January 2015 - Present
Regions Financial Corporation December 2012 - December 2014
First Volunteer Bank December 2011 - January 2013
Nashville Bank and Trust June 2007 - July 2011
SunTrust Bank 2005 - 2007
Education
Mercer University - Stetson School of Business and Economics 2003 — 2005
MBA
University of North Georgia 1999 — 2003
BA
Community Trust & Banking Company December 2009 - Present
Regions Bank December 2007 - November 2009
First Volunteer Bank March 2007 - December 2008
First Citizens Bancorp November 2002 - March 2006
Bank of Cleveland September 2002 - November 2002
Embry Bank February 2001 - September 2002
Goody's Family Clothing August 1999 - February 2001
Skills
MS Office Suite, MS Publisher, Fair Lending Analysis, Flood Insurance..., HMDA Reporting..., Regulatory Compliance..., Loan Documentation..., HMDA, Compliance, Compliance Regulations, Analysis, Microsoft Office, Microsoft Publisher, Banking, Loans, Financial Risk, Retail Banking, Auditing, Internal Audit, Management, OFAC, AML, Bank Secrecy Act, Credit, Risk Management, Operational Risk, Regulations, Anti Money Laundering
Education
Lee University 1996 — 2000
BA, English
Central Gwinnett High School 1993 — 1996
Tennessee Department of Labor and Workforce Development February 2015 - Present
Allen Kopet & Associates July 2012 - February 2015
Stewart Title November 2010 - July 2012
First Volunteer Bank November 2009 - November 2010
Hamilton County Courthouse May 2008 - August 2008
Mississippi College School of Law June 2006 - August 2006
Juvenile Diabetes Research Foundation April 2004 - June 2006
Helen Keller Hospital April 2002 - June 2004
Hurricane Logistics Company October 2001 - April 2002
Continental Airlines March 2001 - October 2001
Skills
Legal Issues, Legal Research, Public Relations, Legal Writing, Westlaw, Litigation, Civil Litigation, Public Speaking, Mediation, Criminal Law, Depositions, Non-profits, Event Planning, Volunteer Management, Courts, Trial Practice, Negotiation
Education
Mississippi College School of Law 2006 — 2009
Juris Doctorate, Law
University of North Alabama 1996 — 2000
BA, French and Public Communications
Bradshaw High School 1992 — 1996
First Volunteer Bank January 2013 - Present
First Volunteer Bank January 2013 - Present
Wells Fargo June 2012 - January 2013
Chattanooga Neighborhood Enterprise, Inc. March 2011 - June 2012
Bank of America August 2010 - March 2011
Suntrust Bank May 2009 - August 2010
Synovus Mortgage/ Cohutta Bank October 2006 - May 2009
Skills
Real Estate, Customer Service, First Time Home Buyers, Investment Properties, Budgets, Property Management, Strategic Planning, Insurance, Microsoft Office, Mortgage Lending, Short Sales, Loans
Education
Bryan College 2010 — 2011
Bachelors, Business Management
Bryan College 2010 — 2011
Bachelor of Science, Business Administration
Priority Payment Systems July 2013 - Present
Northwest Georgia Bank January 2011 - June 2013
First Volunteer Bank January 2010 - January 2011
Williams Web January 2006 - January 2008
Northshore Concepts January 2006 - January 2008
Skills
Customer Relations, Financial Analysis, Loan Origination, Loan Modifications, Loan Structuring, Loan Documentation, Excel, PowerPoint, Banking, Commercial Banking, Retail Banking, Supervisory Skills, Consultation, Banking Relationships, Underwriting, Calm Under Pressure, Small Business Lending, Portfolio Management, Finance, Microsoft Excel, Loans, Consumer Lending, Financial Risk, Commercial Lending, Credit Analysis, Analysis, Management, Mortgage Lending, Cash Flow, Lines Of Credit, Financial Services, Business Development, Credit Risk, Risk Management, Cash Management, Commercial Mortgages, Mergers & Acquisitions, Credit, Leadership, Accounting, Team Building, Strategic Planning
Education
Kennesaw State University 2003 — 2006
B.B.A, Finance and Economics
Inspection Services May 2009 - Present
First volunteer bank June 2014 - August 2014
iCracked Inc. January 2013 - July 2014
Chambliss, Bahner & Stophel October 2011 - October 2013
Skills
Social Media, Copying, Microsoft Office, Bartending, Photography, Video Editing, iPhone, Scanners, Scanning, Ground Transportation, Navigation, Long Distance Running, Video Games, Customer Service, World Creation, Outlook, Public Speaking, PowerPoint, Microsoft Excel, New Business Development, Legal Writing, Microsoft Word, Strategic Planning
Education
The University of Tennessee at Chattanooga 2009 — 2014
University of Tennessee-Knoxville
Georgia-Pacific LLC May 2015 - August 2015
University of Tennessee August 2014 - May 2015
Kenco Group May 2014 - August 2014
University of Georgia August 2013 - May 2014
Mercer University Academic Resource Center January 2012 - May 2013
Mercer University Cluster August 2009 - May 2013
J+J Flooring Group May 2011 - July 2011
First Volunteer Bank May 2010 - August 2010
Groome Transportation June 2008 - August 2009
Skills
Research, Public Relations, Leadership, Event Planning, Statistics, Time Management, Economics, PowerPoint, Program Management, Teaching, Public Speaking, Data Analysis
Education
University of Tennessee-Knoxville 2014 — 2015
Masters of Science, Business Analytics
University of Georgia - Terry College of Business 2013 — 2014
Graduate Study, Economics
Mercer University 2009 — 2013
B.B.A., Economics, Finance, Leadership & Service, Minor in Statistics, 4.0
American Trust Bank of East Tennessee July 2009 - Present
Social Networking Consultant May 2009 - January 2010
Clayton Bank and Trust July 2008 - March 2009
First Volunteer Bank November 2007 - June 2008
First Volunteer Bank May 2004 - June 2008
First Volunteer Bank January 2004 - May 2004
UTC Bookstore March 2000 - October 2002
Skills
Strategic Planning, Content Development, Marketing Strategy, Digital Marketing, Email Marketing, Vendor Relationships, Website Development, Web Content, Brand Awareness, Brand Development..., Marketing, Marketing Communications, Management, Advertising, Leadership, Brand Management, Social Media, Creative Direction, Sales, New Business Development, Training, Marketing Research, Strategy, Product Development, Online Marketing, Online Advertising, SEO, Google Analytics, SEM, Blogging, Direct Marketing, Google Adwords, Web Marketing, Analytics
Education
ABA School of Bank Marketing and Management 2013 — 2014
Bank Management and Marketing
Pellissippi State 2010 — 2010
Social Media Workshop
New Horizons Computer Learning Center 2007 — 2007
Adobe Software
Vanderbilt Owen Business School - Southeastern School of Banking 2006 — 2007
Banking Management and Finance
The University of Tennessee at Chattanooga 1998 — 2002
B.S., Business Marketing
Rhea County High School 1995 — 1998
Ingram Industries September 2014 - Present
Ceridian November 2011 - September 2014
Ceridian September 2009 - November 2011
Comdata April 2007 - September 2009
Crowe Horwath LLP June 2005 - April 2007
First Volunteer Bank June 2003 - June 2005
Skills
IT Audit, Risk Management, SOX, Business Continuity, Disaster Recovery, Active Directory, Mobile Device Management, Network Security, Blackberry Enterprise..., Bank Secrecy Act, AML, OFAC, Fraud Prevention, Fraud, Social Networking, Training, Internal Audit, Security, Business Process..., Operational Risk..., Financial Risk, Auditing, Internal Controls, Banking, Enterprise Risk..., SAS70, CISA, Sarbanes-Oxley Act, Risk Assessment, Information Security, Anti Money Laundering
Education
Tennessee Technological University - College of Business Administration 1999 — 2003
B.S., Management Information Systems
First Volunteer Bank May 2014 - August 2014
Southern Insurance Associates, LLC May 2011 - April 2013
Skills
Customer Service, Banking Technologies, Sales
Education
University of Dayton 2014 — 2018
Bachelor of Business Administration (BBA), Economics
Girls Preparatory School 2007 — 2014
First Volunteer Bank October 2011 - Present
Cornerstone Community Bank July 2009 - October 2011
Cornerstone Community Bank September 2008 - July 2009
Mountain National Bank May 2006 - September 2008
Marriott Business Services January 2000 - May 2006
C & M Custom Frames August 1985 - January 2000
Skills
Underwriting, Insurance, Leadership, Microsoft Office, Management, Project Management, Process Improvement, Customer Service, Research, Analysis, Interpersonal Skills, Banking, Microsoft Word, Sales, Human Resources, Portfolio Management, Accounting, Executive Management, Credit, Finance, Accounts Receivable, Team Leadership, Loans
Education
Tennessee Wesleyan College 2004 — 2006
Bachelor of Applied Science (BASc), Business Administration/Human Resources
East Polk, LLC June 2015 - Present
First Volunteer Bank February 2014 - May 2015
BB&T January 2011 - February 2014
Skills
Small Business Lending, Consumer Lending, Loans, Commercial Lending, Credit Analysis, Commercial Banking, Underwriting, Investments, Loan Origination, Credit Risk, Finance, Credit, Financial Analysis, Banking, Financial Services, Retail Banking, Risk Management, Branch Management, Leadership, Deposits, Refinance, Cross Selling, Residential Mortgages, Lines Of Credit, Home Equity Loans, Home Equity Lines of..., Relationship Management, Cash Management, Retirement Planning, Financial Risk, Asset Based Lending, Branch Banking, Business Relationship..., Insurance, Mortgage Banking, Mortgage Lending, Portfolio Management, Small Business, Wealth Management, Strategic Financial..., Financial Structuring, Credit Cards, Financial Planning
Education
Tennessee Temple University 2001 — 2003
BS, Psychology
Tusculum College 1999 — 2001
Psychology & Bus Admin
Cohutta Banking Company a Div of Synovus Bank August 2012 - Present
Back two Basics August 2008 - Present
J103 - Partners for Christian Media January 2009 - December 2014
Chattanooga Chamber Foundation July 2013 - May 2014
Chattanooga Area Chamber of Commerce July 2012 - June 2013
Bank of America December 2011 - August 2012
First Volunteer Bank May 2008 - December 2011
SunTrust Bank May 2005 - April 2008
Walmart September 1992 - May 2005
Skills
Communication Skills, Business Development, Business Networking, Credit, Telecommunications, Commercial Lending, Customer Service, Financial Analysis, Public Speaking, New Business Development, Fundraising, Team Building, Marketing, Strategic Planning, Small Business Lending, Management, Coaching, Networking, Program Management, Social Media, B2B, Leadership, Retail, Small Business, Project Planning, Banking, Nonprofits, Public Relations, Entrepreneurship, Sales, Team Leadership, Social Networking, LinkedIn, Open Networker, Time Management, Loans, Microsoft Office, Marketing Strategy, Training, Finance, Insurance, Start-ups, Social Collaboration, Leadership Development, Event Management, Connecting People, Building Relationships, Account Management, Business Planning, Strategy
Education
University of Michigan
Business Administration and Management, General
Woodvale Senior High School, Perth, Western Australia
Franklin American Mortgage Company May 2015 - October 2015
PlainsCapital Bank July 2013 - May 2015
First Volunteer Bank November 2012 - May 2013
Realty Title March 2012 - November 2012
PlainsCapital Bank August 2009 - October 2011
PlainsCapital Bank October 2006 - August 2009
Skills
Loans, Mortgage Lending, Real Estate Transactions, Interpersonal..., Real Estate, Mortgage Servicing, Banking, Mortgage Marketing, Training, Regulatory Compliance, Consumer Lending, Time Management, Psychology, Finance, Post Closing, Customer Service, Credit Analysis, Continuing Education, Retail Banking, Conflict Resolution, Loan Closings, Document Preparation, Banking Law, RESPA, DU/LP Findings, Loan Documents, Regulations, Bank Secrecy Act, Risk Management, Credit, Title Services, Document Processing, Multitasker, Title Clearing, Attention To Detail, Word, Excel, Document Review, Stress Management, Settlement Statements, Appraisals, Deductive Reasoning, Fraud Prevention, Document Management, Jumbos, Administrative..., Conferences, Business Loans, Organizational..., Problem Solving
Education
The University of Texas at Dallas 2008 — 2011
Bachelor's Degree, Psychology
Hebon High School 2002 — 2006
High School, General Studies
Tennessee Valley Authority June 2013 - Present
Unishippers January 2007 - June 2013
Sunbelt Insurance Group September 2005 - December 2006
First Volunteer Bank November 2003 - July 2005
Skills
AutoCAD, OSHA 30-Hour, Microsoft Office, Microsoft Excel, Microsoft Word, PowerPoint
Education
Bryan College 2013 — 2014
Bachelor of Science (B.S.), Business Administration
Chattanooga State Community College 2010 — 2013
Associate of Applied Science, Civil Engineering Technology
SunTrust Bank October 2008 - Present
Hamilton County School System January 2007 - October 2008
First Volunteer Bank January 2001 - January 2004
Skills
Finance, Retail Banking, Credit, Consumer Lending, Commercial Banking, Small Business Lending, Banking, Commercial Lending, Credit Analysis, Branch Banking, Relationship Management, Refinance, Cross Selling
Education
Lee University 2001 — 2006
Bachelors of Science in History, Secondary Education and Teaching
First Volunteer Bank April 2012 - Present
RE/MAX Realty South January 2007 - Present
Southern Home Mortgage September 2004 - December 2006
Unum 1998 - 2004
BOC Gases March 1995 - September 1997
Skills
Customer Service, Mortgage Lending, Sellers, Sales, Finance, ABR, SFR, Selling, Real Estate, Buyer Representation, New Home Sales, Insurance, Financial Services, Disability Insurance, Accounts Receivable, Residential Homes, Townhomes, Customer Satisfaction, e-PRO, Property, Real Estate Transactions, Investment Properties, Real Estate Development, Investors
Education
The University of Tennessee at Chattanooga 1997 — 2000
Master of Business Administration (M.B.A.), Finance
The University of Tennessee at Chattanooga 1990 — 1994
B.S., Finance/Economics
First Volunteer Bank April 2015 - Present
Greentech Homes August 2014 - March 2015
Greentech Homes LLC June 2014 - March 2015
First Volunteer Bank October 2013 - June 2014
First Volunteer Bank of Tennessee April 2008 - June 2014
Volunteer for Junior Achievement March 2008 - June 2014
First Volunteer Bank of Tennessee May 2006 - March 2008
First Volunteer Bank of Tennessee January 2005 - May 2006
First Volunteer Bank May 2004 - June 2005
The Comedy Catch October 2002 - May 2003
Skills
Customer Service, Banking, Microsoft Office, Retail, Excel, Customer Relations, Community Banking, Office Management, Staff Training, Training, Deposits, Consumer Lending, Budgets, Loan Origination, Credit, Insurance, Microsoft Excel, Strategic Planning, Small Business, Administrative..., Cross Selling, Social Media
Education
Chattanooga School for the Arts and Sciences 1988 — 1998
Pellissippi State Community College
University of Tennessee-Knoxville
ERA Sunrise Realty July 2015 - Present
First Volunteer Bank August 1987 - December 2013
Skills
Negotiating real...
Education
Mississippi State University 1956 — 1958
BS in finance, Finance
First Volunteer Bank March 2010 - Present
Gateway Bank & Trust 2005 - 2010
Skills
Banking, Sales, Operations Management, Coaching, Leadership, Training, Small Business Lending, Selling, Management, Commercial Banking, Credit, Customer Service, Insurance, Loans, New Business Development, Retail, Sales Management, Small Business, Strategic Planning, Team Building
Education
Tennessee Temple University 1995 — 1999
Parkview Christian Academy 1982 — 1995
First Volunteer Bank June 2015 - Present
Regions Financial Corporation June 2011 - June 2015
Wells Fargo Bank, N.A. January 2010 - June 2011
Skills
Consumer Lending, Retail Banking, Insurance, Customer Service, Microsoft Excel, Process Improvement, Strategic Planning, Business Analysis, Team Building, Microsoft Office, Budgets, Business Development, Leadership, Microsoft Word, Customer Satisfaction, Sales Management, Account Management, New Business Development, Training, Marketing, Loans, Mortgage Lending, Credit, Small Business Lending, Loan Origination, Banking, Credit Analysis, Mortgage Banking, Lines Of Credit, Refinance, Commercial Lending, Branch Management, Cross Selling, Deposits, Commercial Banking, Negotiation, Fixed Annuities, Notary Public, Public Speaking, Home Equity Loans, Internet Banking
Education
Temple Baptist Seminary 1999 — 2003
Master of Arts (M.A.), Biblical Studies
Tennessee Temple University 1996 — 1999
Bachelor of Arts (BA), Pastoral Studies
Unum April 2010 - Present
Unum 2002 - April 2010
Lowe's Home Improvement 2000 - 2002
First Volunteer Bank 1997 - 1999
Skills
Insurance, Employee Benefits, Business Requirements, User Acceptance Testing, Requirements Gathering, Business Analysis, Process Improvement, Data Analysis, MS Project
Education
Tennessee Technological University 1999 — 2002
BS, Business Administration
Chattanooga State Community College 1996 — 1999
Business Administration and Management, General
Genesis Diamonds LLC April 2011 - June 2015
First Volunteer Bank January 2004 - September 2009
Covenant Transport Solutions January 2008 - July 2008
North American Credit Services May 2003 - January 2004
Cheatham & Company January 1998 - January 2003
Skills
Accounts Payable, Account Reconciliation, Accounts Receivable, General Ledger, Accounting, Journal Entries, Banking, Budgets, Microsoft Office, Microsoft Excel, Balance, Microsoft Word, PowerPoint, Expenses, Payroll, Invoicing, Customer Service, Bank Reconciliation, Sales, Financial Statements, Process Improvement, Retail
Education
Nashville State Community College 2009 — 2012
Associate of Science (AS), Accounting
Chattanooga State 2009 — 2009
Associate of Science (AS), Accounting
First Volunteer Bank November 2001 - Present
VisionTech 1999 - 2001
Skills
Active Directory, Troubleshooting, SharePoint, Disaster Recovery, Microsoft Exchange, VMware, Servers, Citrix, Microsoft Certified..., Network Administration, Dell PowerEdge Servers, Windows Server, SCCM, Group Policy
Education
Bryan College 2005 — 2007
Bachelors of Science, Organizational Management
First Volunteer Bank July 2015 - Present
Regions Financial Corporation August 2012 - July 2015
Skills
Loans, Credit, Banking, Mortgage Lending, Consumer Lending, Credit Analysis, Small Business Lending, Commercial Banking, Loan Origination, Commercial Lending, Mortgage Banking, Retail Banking, Asset Based Lending, Underwriting, Treasury Management, Cash Management, Customer Service
Education
Maryville College
Fidelity Cooperative Bank August 2014 - Present
First Volunteer Bank June 2013 - August 2014
Northwest Georgia Bank June 2003 - June 2013
MACTEC January 2003 - June 2003
MACTEC 1999 - January 2003
Skills
Credit Analysis, Financial Statement..., Appraisal Review, Commercial Real Estate..., Loans, Banking, Accounting, Portfolio Management
Education
Southern Adventist University 2000 — 2002
Master of Business Administration (M.B.A.), Accounting Emphasis
Southern Adventist University 1994 — 1998
Bachelor of Business Administration (B.B.A.), English Minor
Walden Security October 2013 - Present
First Volunteer Bank November 2012 - October 2013
Skills
Microsoft Office, Customer Service, Leadership, Public Speaking, Sales, Management, Training, Marketing, Microsoft Word, Team Building
Education
University of Alabama 1988 — 1992
Bachelor of Arts (BA), Music Business Administration
Kelly Services August 2012 - December 2012
Covenant Surgical Partners November 2011 - July 2012
BlueCross BlueShield of Tennessee November 2006 - November 2011
Smart Hire HR August 2006 - September 2006
First Volunteer Bank September 2005 - August 2006
Office Team August 2005 - September 2005
ContinuCare February 2004 - June 2005
Skills
Healthcare Insurance..., Healthcare Reimbursement, Government Experience, Office 2010, Administrative..., Microsoft Applications, Bank Reconciliation, Federal Government
Education
Georgia State University 1999 — 2004
JD, Law
Georgia State University 1999 — 2003
MPA, Public Administration and Social Service Professions
Georgia State University 1985 — 1998
BIS, Pre-Law Studies
Keller Williams Realty March 2003 - Present
First Volunteer Bank May 1987 - August 2000
Skills
Buyer Representation, Sellers, First Time Home Buyers, Listings, Short Sales, Buyers Specialist, Foreclosures, Investment Properties, Relocation, New Home Sales, Single Family Homes, Condos, REO, Real Estate, Referrals, Residential Homes, ABR, Move Up Buyers, Townhomes, Relocation Buyers, SFR
Education
The University of Tennessee at Chattanooga 1987 — 1994
Bachelor of Science (B.S.), Communications/Advertising/English
The University of Tennessee at Chattanooga 1987 — 1994
Bachelor of Science (B.S.), Communications/Advertising/English
Retired December 2014 - Present
First Volunteer Bank November 2007 - Present
Skills
Banking, Commercial Banking, Credit, Consumer Lending, Small Business Lending, Loans, Commercial Lending, Underwriting, Credit Analysis, Loan Origination, Retail Banking, Credit Risk, Deposits, Risk Management, Portfolio Management, Cross Selling, Branch Banking, Customer Service, Relationship Management, Sales
Education
The University of Georgia 1970 — 1972
Business Administration and Management, General