Golden Pacific Bank
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Golden Pacific Bank Employees
Employee
Years
Job
Industry
Aaron Meilich Aaron Meilich's Golden Pacific Bank Experience April 2011 - April 2014
Job VP Branch Manager at HomeStreet Bank
Industry Banking
Experience
HomeStreet Bank April 2014 - Present
Golden Pacific Bank April 2011 - April 2014
Wells Fargo Private Mortgage Bank April 2009 - March 2011
Direct Mortgage Wholesale 2008 - 2009
SCME Mortgage Bankers 2001 - 2008
Accubanc Mortgage 1998 - 2001
Skills
Financial Planning, Goal Analysis, Project Execution, Product Marketing, CRM software, B2B Marketing, Credit Analysis, CRM, Sales, Mortgage Lending, Credit, Mortgage Banking, Commercial Lending, Residential Homes, Finance, Business Development, Project Management, Lines Of Credit, Strategic Financial..., Investors, Loans, Banking, FHA, Underwriting, Sales Management, Construction Loans, Refinance, Marketing, Investment Properties
Education
Sacramento City College 1992 — 1995
Strategic Business & Marketing
HomeStreet Bank April 2014 - Present
Golden Pacific Bank April 2011 - April 2014
Wells Fargo Private Mortgage Bank April 2009 - March 2011
Direct Mortgage Wholesale 2008 - 2009
SCME Mortgage Bankers 2001 - 2008
Accubanc Mortgage 1998 - 2001
Skills
Financial Planning, Goal Analysis, Project Execution, Product Marketing, CRM software, B2B Marketing, Credit Analysis, CRM, Sales, Mortgage Lending, Credit, Mortgage Banking, Commercial Lending, Residential Homes, Finance, Business Development, Project Management, Lines Of Credit, Strategic Financial..., Investors, Loans, Banking, FHA, Underwriting, Sales Management, Construction Loans, Refinance, Marketing, Investment Properties
Education
Sacramento City College 1992 — 1995
Strategic Business & Marketing
Krista Snelling Krista Snelling's Golden Pacific Bank Experience June 2008 - August 2009
Job CFO at Inspire Communities
Industry Real Estate
Experience
Inspire Communities February 2013 - Present
Five Star Bank - California August 2009 - February 2013
Golden Pacific Bank June 2008 - August 2009
Liberty Reverse Mortgage (a Genworth Financial Company) November 2007 - May 2008
Hanson McClain/Liberty Reverse Mortgage March 2007 - October 2007
Placer Sierra Bank September 2003 - February 2007
KPMG Audit June 2002 - September 2003
Arthur Andersen August 1997 - June 2002
Skills
Credit Analysis, Financial Analysis, Portfolio Management, Credit, Banking, Mortgage Lending, Cash Management, Mergers & Acquisitions, Commercial Banking, Loans, Sarbanes-Oxley Act, Risk Management, Loan Origination, Finance, Building Relationships, Leadership, Accounting
Education
University of California, Davis 1995 — 1997
MA, Economics
University of the Pacific 1991 — 1995
BS, Math and Economics
Inspire Communities February 2013 - Present
Five Star Bank - California August 2009 - February 2013
Golden Pacific Bank June 2008 - August 2009
Liberty Reverse Mortgage (a Genworth Financial Company) November 2007 - May 2008
Hanson McClain/Liberty Reverse Mortgage March 2007 - October 2007
Placer Sierra Bank September 2003 - February 2007
KPMG Audit June 2002 - September 2003
Arthur Andersen August 1997 - June 2002
Skills
Credit Analysis, Financial Analysis, Portfolio Management, Credit, Banking, Mortgage Lending, Cash Management, Mergers & Acquisitions, Commercial Banking, Loans, Sarbanes-Oxley Act, Risk Management, Loan Origination, Finance, Building Relationships, Leadership, Accounting
Education
University of California, Davis 1995 — 1997
MA, Economics
University of the Pacific 1991 — 1995
BS, Math and Economics
Anna Bizzoco Anna Bizzoco's Golden Pacific Bank Experience August 2013 - July 2014
Job Funder at Summit Funding Inc
Industry Financial Services
Experience
Summit Funding, Inc. July 2014 - Present
Golden Pacific Bank August 2013 - July 2014
EverBank November 2012 - August 2013
Premier Reverse Closings May 2012 - November 2012
MetLife Home Loans December 2010 - April 2012
MetLife Home Loans August 2009 - December 2010
Skills
FHA, Reverse Mortgages, Funding, Microsoft Word, Closings, Post Closing, Refinance, Lotus Notes, Mortgage Lending, Microsoft Excel, Italian languages, Microsoft Office, Mac, Windows, Fast Learner, Positive Team Player, Energetic Leader, Make Things Happen, Wholesale Lending, HUD, Escrow, Retail Banking, Wiring, Jumbo Mortgage, Fannie Mae, Purchase Financing, Leadership, VA loans, MI, HELOC, MERS, Accounting
Education
University at Albany, SUNY 2005 — 2009
Bachelor of Arts (BA), Italian Studies
Università di Urbino
Summit Funding, Inc. July 2014 - Present
Golden Pacific Bank August 2013 - July 2014
EverBank November 2012 - August 2013
Premier Reverse Closings May 2012 - November 2012
MetLife Home Loans December 2010 - April 2012
MetLife Home Loans August 2009 - December 2010
Skills
FHA, Reverse Mortgages, Funding, Microsoft Word, Closings, Post Closing, Refinance, Lotus Notes, Mortgage Lending, Microsoft Excel, Italian languages, Microsoft Office, Mac, Windows, Fast Learner, Positive Team Player, Energetic Leader, Make Things Happen, Wholesale Lending, HUD, Escrow, Retail Banking, Wiring, Jumbo Mortgage, Fannie Mae, Purchase Financing, Leadership, VA loans, MI, HELOC, MERS, Accounting
Education
University at Albany, SUNY 2005 — 2009
Bachelor of Arts (BA), Italian Studies
Università di Urbino
Todd Kaufmann Todd Kaufmann's Golden Pacific Bank Experience May 2011 - August 2013
Job Account Executive at Interbank Mortgage Company
Industry Banking
Experience
Interbank Mortgage Company September 2013 - Present
Golden Pacific Bank May 2011 - August 2013
ICON Bank April 2008 - November 2009
Residential Capital Mortgage Corporation July 2006 - January 2008
American Brokers Conduit May 2002 - June 2006
Headlands/GreenPoint Mortgage July 1997 - May 2002
Skills
Mortgage Lending, Refinance, Loan Origination, Loans, FHA, Jumbo Mortgage, Portfolio Lending, Sales, Mortgage Marketing, Mortgage Banking, Real Estate
Education
Arizona State University 1990 — 1993
Bachelor of Science (B.S.), Business Management
Interbank Mortgage Company September 2013 - Present
Golden Pacific Bank May 2011 - August 2013
ICON Bank April 2008 - November 2009
Residential Capital Mortgage Corporation July 2006 - January 2008
American Brokers Conduit May 2002 - June 2006
Headlands/GreenPoint Mortgage July 1997 - May 2002
Skills
Mortgage Lending, Refinance, Loan Origination, Loans, FHA, Jumbo Mortgage, Portfolio Lending, Sales, Mortgage Marketing, Mortgage Banking, Real Estate
Education
Arizona State University 1990 — 1993
Bachelor of Science (B.S.), Business Management
Connie Roberts Connie Roberts's Golden Pacific Bank Experience March 2011 - February 2012
Job Business Banking Professional
Industry Banking
Experience
Tri Counties Bank July 2015 - Present
Tri Counties Bank October 2012 - Present
OE Federal Credit Union February 2012 - October 2012
Golden Pacific Bank March 2011 - February 2012
Umpqua Bank June 2010 - October 2010
Silverado Bank July 2005 - June 2010
Umpqua Bank April 2004 - December 2004
Placer Sierra Bank September 1997 - April 2004
Truckee River Bank/Sierra West Bank January 1990 - January 1997
Skills
Banking, Customer Service, Retail Banking, Sales, Training, Branch Banking, Cash Management, Commercial Banking, Budgets, Business Development, Credit, Customer Retention, Loans, Management, Risk Management
Education
Sierra College 2000 — 2008
None, Business, Management
Tri Counties Bank July 2015 - Present
Tri Counties Bank October 2012 - Present
OE Federal Credit Union February 2012 - October 2012
Golden Pacific Bank March 2011 - February 2012
Umpqua Bank June 2010 - October 2010
Silverado Bank July 2005 - June 2010
Umpqua Bank April 2004 - December 2004
Placer Sierra Bank September 1997 - April 2004
Truckee River Bank/Sierra West Bank January 1990 - January 1997
Skills
Banking, Customer Service, Retail Banking, Sales, Training, Branch Banking, Cash Management, Commercial Banking, Budgets, Business Development, Credit, Customer Retention, Loans, Management, Risk Management
Education
Sierra College 2000 — 2008
None, Business, Management
Fred Bermudez Fred Bermudez's Golden Pacific Bank Experience June 2012 - February 2014
Job Mortgage Loan Originator at Big Valley Mortgage
Industry Real Estate
Experience
Big Valley Mortgage July 2014 - Present
Golden Pacific Bank June 2012 - February 2014
Tri-Point Capital March 2011 - June 2012
KMG Real Estate Finance January 2009 - March 2011
Tri-Point Real Estate May 2004 - January 2009
Skills
FHA, Investment Properties, Sellers, Real Estate, First Time Home Buyers, Short Sales, REO, HUD, Investors, Foreclosures, New Home Sales, Condos, USDA, Reverse Mortgages, Mortgage Lending, FHA financing, Refinance, VA loans, Real Estate Economics, Sales, Real Estate Financing, Single Family Homes, Loans, Residential Mortgages, Selling, Construction Loans, Buyers, Loan Origination, Mortgage Banking, Property
Education
California State University-Sacramento 1993 — 1996
Bachelor Science, Special Major - Fire Service Management
College of San Mateo 1993 — 1995
Associate of Arts (A.A.), Fire Science/Fire-fighting
Big Valley Mortgage July 2014 - Present
Golden Pacific Bank June 2012 - February 2014
Tri-Point Capital March 2011 - June 2012
KMG Real Estate Finance January 2009 - March 2011
Tri-Point Real Estate May 2004 - January 2009
Skills
FHA, Investment Properties, Sellers, Real Estate, First Time Home Buyers, Short Sales, REO, HUD, Investors, Foreclosures, New Home Sales, Condos, USDA, Reverse Mortgages, Mortgage Lending, FHA financing, Refinance, VA loans, Real Estate Economics, Sales, Real Estate Financing, Single Family Homes, Loans, Residential Mortgages, Selling, Construction Loans, Buyers, Loan Origination, Mortgage Banking, Property
Education
California State University-Sacramento 1993 — 1996
Bachelor Science, Special Major - Fire Service Management
College of San Mateo 1993 — 1995
Associate of Arts (A.A.), Fire Science/Fire-fighting
Andi Ness's Golden Pacific Bank Experience July 2013 - August 2015
Job AVP/Small Business Loan Underwriter at Golden Pacific Bank
Industry Computer Software
Experience
A & B Embroidery June 2001 - Present
Golden Pacific Bank July 2013 - August 2015
Farm Credit Services of Colusa-Glenn, ACA October 2012 - July 2013
Crop Data Management Systems, Inc August 2009 - October 2012
Sutter North Medical Foundation September 2006 - August 2007
Gold Country Bank December 1999 - December 2000
Northern California Farm Credit January 1996 - December 1999
Skills
Customer Service, Sales, Microsoft Office, Project Management, Account Management, Customer Satisfaction, Windows, Team Leadership, Microsoft Excel, Troubleshooting, Customer Support, Team Building, Training, Analysis, Time Management
Education
California Polytechnic State University-San Luis Obispo 1992 — 1995
Bachelor of Science (B.S.), Agribusiness/Agricultural Business Operations
A & B Embroidery June 2001 - Present
Golden Pacific Bank July 2013 - August 2015
Farm Credit Services of Colusa-Glenn, ACA October 2012 - July 2013
Crop Data Management Systems, Inc August 2009 - October 2012
Sutter North Medical Foundation September 2006 - August 2007
Gold Country Bank December 1999 - December 2000
Northern California Farm Credit January 1996 - December 1999
Skills
Customer Service, Sales, Microsoft Office, Project Management, Account Management, Customer Satisfaction, Windows, Team Leadership, Microsoft Excel, Troubleshooting, Customer Support, Team Building, Training, Analysis, Time Management
Education
California Polytechnic State University-San Luis Obispo 1992 — 1995
Bachelor of Science (B.S.), Agribusiness/Agricultural Business Operations
Tina Sweet Williams Tina Sweet Williams's Golden Pacific Bank Experience January 1993 - Present
Job Asst. Vice President at Golden Pacific Bank, NA
Industry Banking
Experience
Golden Pacific Bank January 1993 - Present
Bank of America January 1991 - February 1993
Skills
Underwriting, Restructures, Special Collections, Loan Work-outs, Customer Acquisition, Real Estate, Portfolio Management, Construction Loans, Commercial Banking, Lines Of Credit, Real Estate Transactions, Real Estate Financing, Credit Analysis, Real Estate Economics, Investment Properties, Treasury Management, Loans, Management, Commercial Mortgages, Asset Based Lending, Microsoft Office, Credit, Commercial Lending, CRM, Reverse Mortgages, Financial Analysis, SBA, Commercial Real Estate, Customer Retention, Banking, Small Business Lending, USDA, Loan Origination, Loan Servicing
Education
Bakersfield College 1983 — 1988
Assoc., Business/Commerce, General
Golden Pacific Bank January 1993 - Present
Bank of America January 1991 - February 1993
Skills
Underwriting, Restructures, Special Collections, Loan Work-outs, Customer Acquisition, Real Estate, Portfolio Management, Construction Loans, Commercial Banking, Lines Of Credit, Real Estate Transactions, Real Estate Financing, Credit Analysis, Real Estate Economics, Investment Properties, Treasury Management, Loans, Management, Commercial Mortgages, Asset Based Lending, Microsoft Office, Credit, Commercial Lending, CRM, Reverse Mortgages, Financial Analysis, SBA, Commercial Real Estate, Customer Retention, Banking, Small Business Lending, USDA, Loan Origination, Loan Servicing
Education
Bakersfield College 1983 — 1988
Assoc., Business/Commerce, General
Carol Corsetti's Golden Pacific Bank Experience May 2010 - November 2014
Job EVP Sutter Community Bank
Industry Banking
Experience
Sutter Community Bank November 2014 - Present
Golden Pacific Bank May 2010 - November 2014
Pacific National Bank June 2007 - October 2008
Education
El Camino College
Sutter Community Bank November 2014 - Present
Golden Pacific Bank May 2010 - November 2014
Pacific National Bank June 2007 - October 2008
Education
El Camino College
Edgar Swope's Golden Pacific Bank Experience May 2010 - March 2014
Job Regional Account Manager | Mortgage Banking | Territory Development |
Industry Banking
Experience
Citi May 2015 - Present
Wintrust Mortgage June 2014 - May 2015
Golden Pacific Bank May 2010 - March 2014
Golden Pacific Bancorp July 2008 - May 2010
Countrywide Home Loans January 2008 - July 2008
Indymac Bank January 2006 - January 2008
Wells Fargo Home Mortgage July 2002 - January 2006
Homecomings Financial February 1993 - June 2002
Skills
Sales Management, P&L Management, Mortgage Lending, Loans, Wholesale Lending, Compliance Management, Credit Management, Budgeting, Team Building, Business Management, USDA, VA loans, Refinance, Budgets, Management, Mortgage Banking, Risk Management, Loan Origination, Finance, Credit Analysis, FHA, Underwriting, Reverse Mortgages, Construction Loans, FHA financing, Credit, Real Estate, Residential Mortgages, Portfolio Management, Mortgage Underwriting, Financial Services, Real Estate Financing, Consumer Lending, Real Estate Economics, Investment Properties, Mortgage Marketing, Home Equity Lines of..., Strategy, Training, Credit Risk, Strategic Planning, Coaching, First Time Home Buyers, Executive Management, Mortgage Servicing, Analysis, Banking, Sales, Investments, Leadership
Education
California State University-Sacramento 1991 — 1993
B.S., Business with a concentration of Real Estate and Land Use
California State University-Sacramento 1990 — 1992
Bachelors Degree - Busines Real Estate Land Use, Real Estate and Land Use
Citi May 2015 - Present
Wintrust Mortgage June 2014 - May 2015
Golden Pacific Bank May 2010 - March 2014
Golden Pacific Bancorp July 2008 - May 2010
Countrywide Home Loans January 2008 - July 2008
Indymac Bank January 2006 - January 2008
Wells Fargo Home Mortgage July 2002 - January 2006
Homecomings Financial February 1993 - June 2002
Skills
Sales Management, P&L Management, Mortgage Lending, Loans, Wholesale Lending, Compliance Management, Credit Management, Budgeting, Team Building, Business Management, USDA, VA loans, Refinance, Budgets, Management, Mortgage Banking, Risk Management, Loan Origination, Finance, Credit Analysis, FHA, Underwriting, Reverse Mortgages, Construction Loans, FHA financing, Credit, Real Estate, Residential Mortgages, Portfolio Management, Mortgage Underwriting, Financial Services, Real Estate Financing, Consumer Lending, Real Estate Economics, Investment Properties, Mortgage Marketing, Home Equity Lines of..., Strategy, Training, Credit Risk, Strategic Planning, Coaching, First Time Home Buyers, Executive Management, Mortgage Servicing, Analysis, Banking, Sales, Investments, Leadership
Education
California State University-Sacramento 1991 — 1993
B.S., Business with a concentration of Real Estate and Land Use
California State University-Sacramento 1990 — 1992
Bachelors Degree - Busines Real Estate Land Use, Real Estate and Land Use
Käthe Nathan's Golden Pacific Bank Experience May 2015 - Present
Job Vice President Business Banking at Golden Pacific Bank
Industry Banking
Experience
Golden Pacific Bank May 2015 - Present
Bank of Sacramento September 2006 - May 2015
River City Bank 1995 - 2006
Skills
Mortgage Lending, Banking, Commercial Lending, Loans, Customer Service, Strategic Planning, Asset Based Lending, Commercial Banking, Financial Analysis, SBA, Credit, Retail Banking, Leadership, Small Business Lending, New Business Development, Budgets, Portfolio Management, Business Development, Business Analysis, Microsoft Excel, Financial Services, Treasury Management, Underwriting, Consumer Lending, Cash Management, Credit Analysis, Relationship Management, Analysis, Management, Account Management, Commercial Mortgages, Sales Management, Risk Management, Finance, Executive Management
Education
Cañada College
Golden Pacific Bank May 2015 - Present
Bank of Sacramento September 2006 - May 2015
River City Bank 1995 - 2006
Skills
Mortgage Lending, Banking, Commercial Lending, Loans, Customer Service, Strategic Planning, Asset Based Lending, Commercial Banking, Financial Analysis, SBA, Credit, Retail Banking, Leadership, Small Business Lending, New Business Development, Budgets, Portfolio Management, Business Development, Business Analysis, Microsoft Excel, Financial Services, Treasury Management, Underwriting, Consumer Lending, Cash Management, Credit Analysis, Relationship Management, Analysis, Management, Account Management, Commercial Mortgages, Sales Management, Risk Management, Finance, Executive Management
Education
Cañada College
Roslyn Tillinghast's Golden Pacific Bank Experience May 2013 - August 2015
Job Business Administration Professional Seeking Education Opportunity
Industry Banking
Experience
Golden Pacific Bank May 2013 - August 2015
Exchange Bank March 2006 - November 2008
American River Bank February 1998 - March 2006
Skills
Maintaining Strong..., Accounting, Financial Statements, Financial Analysis, Tax Analysis, Commercial Lending, Loan Documents, Business Writing, Organization, Microsoft Word, Nautilus, CBS, AIM, Cash, Cash Tax, Microsoft Excel
Education
University of Phoenix 1996 — 1998
Bachelor of Science (B.S.), Business
Sacramento City College 1990 — 1991
Real Estate Certification
Golden Pacific Bank May 2013 - August 2015
Exchange Bank March 2006 - November 2008
American River Bank February 1998 - March 2006
Skills
Maintaining Strong..., Accounting, Financial Statements, Financial Analysis, Tax Analysis, Commercial Lending, Loan Documents, Business Writing, Organization, Microsoft Word, Nautilus, CBS, AIM, Cash, Cash Tax, Microsoft Excel
Education
University of Phoenix 1996 — 1998
Bachelor of Science (B.S.), Business
Sacramento City College 1990 — 1991
Real Estate Certification
Ryan Jamison's Golden Pacific Bank Experience December 2010 - May 2014
Job VP/ Branch Manager @ Folsom Lake Bank
Industry Banking
Experience
Folsom Lake Bank May 2014 - Present
Golden Pacific Bank December 2010 - May 2014
Elk Grove Travel Ball 2009 - 2014
F & M Bank June 2008 - December 2010
River City Bank February 2000 - June 2007
Safeway Select Bank/ Amicus FSB April 1997 - January 2000
PracticeWorks 1993 - 1997
Skills
Financial Analysis, Team Building, Customer Service, Coaching, Management, Team Leadership, Strategic Planning, Sales Management, Change Management, New Business Development, Microsoft Office, PowerPoint, Event Planning, Marketing Strategy, Consumer Lending, Commercial Banking, Small Business Lending, Branch Banking, Commercial Lending, Banking, Credit, Loans, Credit Analysis, Retail Banking, Mortgage Lending
Education
California Bankers Association 2013 — 2013
Commercial Lending School, Lending
Ashworth University
Business Administration and Management, General
Folsom Lake Bank May 2014 - Present
Golden Pacific Bank December 2010 - May 2014
Elk Grove Travel Ball 2009 - 2014
F & M Bank June 2008 - December 2010
River City Bank February 2000 - June 2007
Safeway Select Bank/ Amicus FSB April 1997 - January 2000
PracticeWorks 1993 - 1997
Skills
Financial Analysis, Team Building, Customer Service, Coaching, Management, Team Leadership, Strategic Planning, Sales Management, Change Management, New Business Development, Microsoft Office, PowerPoint, Event Planning, Marketing Strategy, Consumer Lending, Commercial Banking, Small Business Lending, Branch Banking, Commercial Lending, Banking, Credit, Loans, Credit Analysis, Retail Banking, Mortgage Lending
Education
California Bankers Association 2013 — 2013
Commercial Lending School, Lending
Ashworth University
Business Administration and Management, General
Karl Maniglia's Golden Pacific Bank Experience June 2008 - Present
Job Sr Mortgage Consultant at Golden Pacific Bank
Industry Financial Services
Experience
Golden Pacific Bank June 2008 - Present
Epic Capital May 2006 - June 2008
Western Sierra Bank October 2003 - May 2006
Matria Health Care August 2001 - September 2003
CopperCom October 2000 - October 2002
Novartis April 1996 - July 2000
Skills
Direct Sales, Account Management, Real Estate Financing, Loans, Real Estate
Education
Fresno State University 1991 — 1994
BS, Kinesology/Human Performance
UC Santa Barbara 1989 — 1991
BS, Undergrad
Golden Pacific Bank June 2008 - Present
Epic Capital May 2006 - June 2008
Western Sierra Bank October 2003 - May 2006
Matria Health Care August 2001 - September 2003
CopperCom October 2000 - October 2002
Novartis April 1996 - July 2000
Skills
Direct Sales, Account Management, Real Estate Financing, Loans, Real Estate
Education
Fresno State University 1991 — 1994
BS, Kinesology/Human Performance
UC Santa Barbara 1989 — 1991
BS, Undergrad
Cathy Lazzarone's Golden Pacific Bank Experience August 2014 - Present
Job Executive Administrative Assistant at Golden Pacific Bank
Industry Arts and Crafts
Experience
Golden Pacific Bank August 2014 - Present
JPMorgan Chase & Co. June 2009 - November 2011
Self-employed January 1994 - June 2009
Education
Sacramento City College 2003 — 2005
AA Library Science, Library and Information Science
Golden Pacific Bank August 2014 - Present
JPMorgan Chase & Co. June 2009 - November 2011
Self-employed January 1994 - June 2009
Education
Sacramento City College 2003 — 2005
AA Library Science, Library and Information Science
Terry Conner's Golden Pacific Bank Experience January 2012 - April 2014
Job Sr. Construction Loan Officer at HomeStreet Bank
Industry Financial Services
Experience
HomeStreet Bank May 2014 - Present
Golden Pacific Bank January 2012 - April 2014
Western Sierra Bank 2002 - June 2007
Skills
Construction Financing
Education
Frostburg State University 1975 — 1978
Business Administration and Management, General
HomeStreet Bank May 2014 - Present
Golden Pacific Bank January 2012 - April 2014
Western Sierra Bank 2002 - June 2007
Skills
Construction Financing
Education
Frostburg State University 1975 — 1978
Business Administration and Management, General