Howard Bank
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Howard Bank Employees
Howard Bank September 2014 - Present
The Patapsco Bank February 2014 - September 2014
Skills
Branch Banking, Retail Banking, Commercial Banking, Sales Management, Sales Operations, Customer Service, Customer Retention, Customer Experience, Sales, Sales Process, Banking, Consumer Lending, Credit, Loans, Cross Selling, Small Business Lending, Management, Commercial Lending, Team Building, Credit Analysis, Small Business, Business Development
Education
Strayer University-Maryland 2002 — 2005
Bachelor of Arts (B.A.), Business Administration and Management, General
North County High School 1990 — 1993
Howard Bank February 2014 - Present
The Federal Savings Bank September 2012 - January 2013
American Bank January 2010 - September 2012
Skills
Sales, Sales Management, Recruiting, Training
Education
University of Maryland College Park
Bachelor of Science (BS), Marketing
Howard Bank January 2014 - Present
FitzGerald Financial Group February 2013 - January 2014
1st Mariner Mortgage June 2011 - February 2013
Skills
Refinance, Mortgage Banking, Mortgage Lending
Education
Anne Arundel Community College 2012 — 2013
Business Administration and Management, General
Kent Island High School 2009 — 2012
Scottrade April 2014 - Present
Morgan Stanley February 2013 - April 2014
Howard Bank May 2010 - February 2013
FBR June 2008 - August 2008
FBR June 2007 - August 2007
Education
Loyola College in Maryland 2009 — 2011
M.B.A., Finance
Binghamton University - School of Management 2005 — 2009
B.S. Management, Finance and Marketing
Howard Bank April 2014 - Present
Skills
Mortgage, Loans, Credit, Mortgage Lending, FHA, Refinance, Sales Management, New Business Development, Mortgage Banking, VA loans, Loan Origination, Marketing, USDA, Residential Mortgages, Sales, Banking, Finance, FHA financing, Reverse Mortgages, Mortgage Underwriting, Credit Analysis, Underwriting, Certified Mortgage..., Investment Properties, Investments, Real Estate, Mortgage Servicing, Consumer Lending, VA Loans, FHA Financing
Education
Johnson and Wales University 2000 — 2004
Bachelor of Science (BS), International Business
Howard Bank November 2013 - Present
Carrollton Bank June 2009 - November 2013
International Mortgage February 2008 - May 2009
Stearns Lending June 2007 - January 2008
Peoples Mortgage June 2006 - June 2007
Stearns Lending August 1999 - June 2006
First Home Mortgage May 1995 - July 1999
Skills
Mortgage Banking, Loans, Mortgage, Loan Origination, Residential Mortgages, CONSTRUCTION LOANS, LOT LOANS, PORTFOLIO LOANS, Jumbo and Super Jumbo..., Grant Programs, FHA financing, USDA Rural Housing, VA Loans, Credit Analysis, Bridge Loans, Assisting First Time..., Relocation Loans, Certified Mortgage..., Conventional Loans, Banking, Mortgage Lending, Refinance, Credit, Consumer Lending, Commercial Lending, VA loans, USDA
Education
Salisbury University - Perdue School of Business 1982 — 1986
Bachelor of Science (BS), Business
University of Baltimore 1986 — 1989
BA History, English Common Law, 3.95
Talbot Bank November 2014 - Present
Revere Bank March 2014 - November 2014
Howard Bank December 2008 - February 2014
Sandy Spring Bank 2004 - 2008
M & T Bank 1995 - 2004
Skills
Commercial Lending, Loans, Commercial Banking, Credit Analysis, Underwriting, Credit, Series 7, Risk Management, Small Business Lending, Consumer Lending, Small Business, Banking, Commercial Mortgages, Business Development
Education
Duke University
Bachelor’s Degree
Howard Bank May 2013 - Present
Carrollton Bank, Carrollton Bancorp and Carrollton Mortgage Services, Inc. February 2001 - April 2013
Carrollton Bank September 1991 - January 2001
Skills
Mortgage Banking, Portfolio Management, Commercial Banking, Underwriting, Finance, Strategic Planning, Credit Analysis, Investments, Commercial Mortgages, Asset Management, Budgets, Mergers & Acquisitions
Education
Indiana University of Pennsylvania 1982 — 1985
BS, Finance and Marketing
Howard Bank January 2014 - Present
SunTrust Bank September 2012 - January 2014
PNC March 2012 - August 2012
Monarch Mortgage August 2010 - February 2012
1st Mariner Bank October 1997 - March 2010
JBA Chevrolet 1985 - 1996
Skills
Voice Acting, Drummer, Mortgage Lending, Loans, Credit, Real Estate, First Time Home Buyers, Finance, Investments, Underwriting, Sales, FHA, Mortgage Banking, Refinance, Management, Drums, Investment Properties, Real Estate Transactions, Residential Homes, Loan Origination, FHA financing, Small Business, Portfolio Management
Education
Temple University
Howard Bank January 2015 - Present
Howard Bank July 2013 - Present
A division of PNC Bank May 2003 - July 2013
Key Bank February 2000 - May 2003
Signet Bank 1987 - 1997
Signet Bank 1987 - 1997
Signet Bank 1987 - 1997
Skills
Customer Service, Financial Analysis, Loans, Commercial Lending, Banking, Risk Management, Small Business, Small Business Lending, Portfolio Management, Commercial Banking, Credit, Strategic Planning, Investments, Accounting, Process Improvement, Leadership, Financial Reporting, Credit Analysis, Cash Management, Due Diligence, Loan Portfolio Analysis
Education
Loyola University Maryland 1981 — 1985
Bachelor's degree, Accounting
John Carroll High School 1978 — 1981
First Citizens Bank 2013 - Present
Howard Bank September 2009 - January 2013
Sandy Spring Bank July 2005 - July 2009
GE Capital September 2001 - June 2005
Skills
Credit, Loans, Small Business Lending, Commercial Lending, Banking, Credit Risk, Risk Management
Education
Siena College 1989 — 1993
Bachelor of Science (BS), Accounting
SECU September 2014 - Present
Howard Bank June 2013 - August 2014
Howard Bank April 2013 - April 2014
PNC Business Banking October 2007 - June 2013
KeyBank May 2006 - October 2007
Mid Atlantic Business Finance Company March 2004 - January 2006
Skills
Commercial Banking, Banking, Credit, Loans, Commercial Lending, Credit Analysis, Small Business Lending, Portfolio Management, Financial Analysis, Wealth Management, Credit Risk, Underwriting, Lines Of Credit, Risk Management, Cash Management, Finance, Corporate Finance, Strategy, Small Business, Business Development, New Business Development, Relationship Management, Entrepreneurship, Marketing
Education
Towson University 1977 — 1980
Bachelor's degree, business
Howard Bank September 2012 - Present
Arundel Golf Park July 2010 - May 2012
Arundel Golf Park May 2009 - July 2010
Arundel Golf Park June 2003 - May 2009
Skills
Customer Service, Hospitality, Tourism, Customer Satisfaction, Management, Microsoft Office, Sales, Team Leadership, Project Management, Event Management, Team Management, Microsoft Excel, Team Building, Call Centers, Financial Analysis, Banking, Commercial Banking
Education
Towson University 2008 — 2010
Bachelor of Science, Chemistry with MBBB Minor
Howard Bank May 2010 - Present
SECU April 2008 - May 2010
Chevy Chase Bank July 2006 - April 2008
M&T Bank 2002 - June 2006
BB&T 1997 - 2001
Skills
Retail Banking, Strategic Planning, Banking, Commercial Banking, Consumer Lending, Debit Cards, Cross Selling, Marketing Analytics, Mobile Payments, ACH, Business Development, Underwriting, Risk Management, Marketing, Merchant Services, Customer Analysis, Voice of the Customer, E-payments, Customer Lifecycle..., Branch Banking
Education
Barton College 1997 — 2001
Bachelor of Science, Business Administration
Honeywell Technology Solutions, Inc. September 2010 - May 2011
Andrews Federal Credit Union August 2007 - May 2008
Millennium Bank November 2006 - August 2007
Howard Bank July 2004 - April 2006
Riggs Bank November 2003 - July 2004
Chevy Chase Bank December 1987 - May 2003
Mercantile Bank June 1968 - October 1987
Skills
Compliance, ACH, Problem Solving, Payments, Excel, Requirements Analysis, Word, Auditing, Cash Management, Banking, Process Improvement, Customer Relations, Strategic Planning, Financial Analysis, Credit Cards, Treasury Management, Operations Management, Risk, Process Engineering, Business Analysis, Analysis, Team Building, Team Leadership, Documentation, Corporate Finance, Budgeting, Planning, Retail Banking, Customer Service, Risk Management, Business Strategy, Product Development
Education
University of Maryland University College 1982 — 1985
Diploma, MD Bankers Association - MD Bankers School
Howard Community College
Howard Bank November 2013 - Present
Carrollton Mortgage Services, A Division of Bay Bank, FSB August 2008 - November 2013
Captial Mortgage Finance Corp. August 2002 - August 2008
Skills
Mortgage Banking, Mortgage Lending, Refinance, Loans, Investment Properties, Real Estate Transactions, Sales
Education
Towson University 2001 — 2004
Business, Management, Marketing, and Related Services
Fallston High School 1996 — 2000
Howard Bank April 2015 - Present
First Home Mortgage November 2011 - April 2015
Union Mortgage Group July 2009 - April 2011
Mortgage Marketing LLC February 2007 - June 2009
Baltimore Orioles January 2001 - October 2006
Skills
Refinance, First Time Home Buyers, Mortgage Banking, FHA, Residential Mortgages, Mortgage Lending, VA loans, Loan Origination, FHA financing, USDA, Loans, Construction Loans, Real Estate Financing, Investment Properties, Government Loans, Real Estate Economics, Foreclosures, Credit, Credit Analysis, Short Sales, Real Estate, FHA Financing, VA Loans
Education
University of Maryland College Park 1997 — 2000
Gilman School 1985 — 1995
Willis 1973 - Present
Howard Bank 2005 - 2015
Sharbrooke Management Company September 1985 - April 2012
The Horizon Foundation 2005 - 2012
Hobbs Group 1997 - 2002
PAINEWEBBER Risk Management 1985 - 1987
The Rouse Company March 1973 - April 1985
Skills
Asset, Professional Liability, Insurance, Risk Management, Property & Casualty..., Underwriting, Community Service, Community Outreach, Disaster Recovery, Mergers & Acquisitions, Management, Leadership, Real Estate, Commercial Insurance, Coaching, Strategic Planning, Business Development, Financial Risk, Real Estate Development, Legal Liability, D&O, Liability, Executive Management, Workers Compensation, Brokers, Reinsurance, Casualty, Claims Management, Claim, General Insurance, Excess, Employee Benefits, Commercial Lines, Health Insurance, Employment Practices..., Enterprise Risk..., Casualty Insurance
Education
The Johns Hopkins University 1975 — 1978
MLA, History of Ideas
Duke University 1965 — 1969
BA, History
Howard Bank June 2014 - Present
Evolve Bank and Trust November 2013 - June 2014
Emery Financial Services, A subsidiary of Emery Federal Credit Union January 2010 - November 2013
Skills
USDA Rural Housing, Down Payment Assistance, 203K, FHLMC, Certified Mortgage..., Mortgage Banking, Retail Banking, Financial Analysis, Home Equity, Reverse Mortgages, Construction Loans, Refinance, FHA, Residential Mortgages, Super Jumbo, VA loans, Streamline Loans, Commercial Banking, Mortgage Marketing, Securities, Sales, Sales Management, B2B Marketing, B2B Marketing Strategy, Retirement Planning, Term Life Insurance, Fixed Annuities, Loan Origination, Mortgage Lending, Home Equity Loans, Credit Analysis, First Time Home Buyers, Calyx Point, VA Loans
Education
Liberty University 2004 — 2010
Bachelor's degree, Health Promotions
Howard Bank July 2010 - Present
Calvin Klein August 2009 - July 2010
Esprit May 2009 - September 2009
Dockers May 2008 - May 2009
7-Eleven October 1992 - May 2008
Skills
Franchise Consulting, Accounting, Small Business, Pastoral Counseling, Organizational..., Retail, Credit, Customer Service, Cash Management, Marketing, Payroll, Process Scheduler, Payroll Cards, Finance, Financial Analysis, Loans, Deposits, Banking
Education
Family Bible University 2005 — 2008
Doctor of Philosophy (Ph.D.), Clinical Pastoral Counseling/Patient Counseling
Essex County College 1976 — 1979
Associate's degree, Accounting/Business Administration, 3.7
Vailsburg High School
Diploma, Acctg/Bus Administration
Howard Bank October 2014 - Present
PNC October 2013 - October 2014
PNC November 2010 - October 2013
Skills
Small Business Lending, Banking, Credit, Mortgage Lending, Loans, Commercial Lending, Consumer Lending, Relationship Management, Cash Flow, Home Equity Loans, Sales, Credit Analysis, Commercial Banking, Lines Of Credit, Deposits, Treasury Management, Branch Management, Cross Selling, Loan Origination, Customer Service, Microsoft Office, Leadership
Education
Anne Arundel Community College
Business Administration, Accounting
Maryland Department of Human Resources April 2015 - Present
Fitzgerald's Heavy Timber Construction 2014 - April 2015
Howard Bank January 2014 - May 2014
First Tek Native August 2012 - December 2013
Capital One Bank January 2011 - October 2011
M&T Bank 1996 - 2011
MD Air National Guard USAF December 1985 - January 2006
Skills
Risk Management, Leadership, Banking, Management, Strategic Planning, Strategic Communications, Process Improvement, Change Management, Conflict Management, Finance, Strategic Measurement, Coaching, Credit Analysis, Business Planning, Loans, Credit, Business Development, Financial Analysis, Commercial Lending, Mergers & Acquisitions, Team Building, Customer Service, Retail Banking, Investments, Training, Microsoft Office, Budgets, Leadership Development, Executive Management, Performance Management, Team Leadership, Strategic Financial..., Insurance, Cash Management, Small Business Lending, Strategy, Profitability, precision leadership, P&L Management, Budgeting, Human Capital, Commercial Banking, Return on Investment, Conflict Resolution, Financial Risk, Sales
Education
Loyola College in Maryland 2005 — 2007
EMBA, Business Administration
Community College USAF
Criminal Justice
Carroll Community Bank FKA Sykesville Federal Savings Asssociation May 2009 - Present
Howard Bank November 2004 - May 2009
Citizens National Bank (Mercantile) November 1999 - November 2004
Skills
Banking
Education
Howard Community College 1994 — 1996
AAS, Business Management
Howard Bank June 2014 - Present
Howard Bank June 2014 - Present
Big Open Door Marketing April 2012 - May 2014
M&T Bank August 2006 - April 2011
Skills
Banking, Mortgage Lending, Credit Analysis, Financial Analysis, Finance, Retail Banking, Leadership, Marketing, Up-selling, Event Management, Direct Marketing, Sales Process, FHA Financing, VA Loans
Education
Towson University
Bachelor of Science (B.S.), Sociology
Towson University 2007 — 2010
Registered Nursing/Registered Nurse
Towson University 2005 — 2007
Art/Art Studies, General
Howard Bank May 2002 - Present
Skills
Strategic Planning, Project Management, Business Analysis, Credit Risk, Financial Modeling, Banking, Microsoft Office, Change Management, Accounting, Budgets, Microsoft Word, Corporate Finance, Retail Banking, Commercial Banking, Loans, Credit, Risk Management, Customer Service, Portfolio Management, Credit Analysis, Commercial Lending, Mortgage Lending, Consumer Lending, Small Business Lending
Education
College of Notre Dame of Maryland.,U of Md Bankers School
Business, Management, Marketing, and Related Support Services
Harford Community College
Kenwood High School
Howard Bank June 2015 - Present
First Home Mortgage June 2013 - May 2015
First Home Mortgage May 2011 - June 2013
Primary Residential Mortgage September 2009 - June 2011
ADV Mortgage Direct January 2005 - September 2009
1st Primacy, Old Kent Mortgage & Bank Street Mortgage August 1997 - December 2004
NVR Mortgage September 1984 - April 1996
Skills
VA loans, Underwriting, Credit, Loans, FHA, Customer Service, Government Loans, Mortgage Lending, Residential Mortgages, Mortgage Banking, Refinance, Construction Loans, USDA, Loan Origination, Reverse Mortgages, FHA financing
Education
Indiana University of Pennsylvania
BA
Howard Bank February 2014 - Present
The Federal Savings Bank September 2012 - February 2014
U.S. Carpet Market December 2007 - July 2013
American Bank September 2011 - September 2012
Skills
Mortgage Lending, Refinance, Real Estate Transactions, Loans, Debt Consolidation
Education
Mount St. Mary's University 2004 — 2008
Bachelor's degree, Business Administration and Management, General
St. Johns at Prospect Hall (Highschool) 2000 — 2004
Highschool
Howard Bank September 2015 - Present
Carroll County MD April 2013 - September 2015
Aerotek September 2010 - April 2013
Lowe's Home Improvement March 2008 - September 2010
Gold's Gym July 2004 - October 2007
Skills
Marketing Strategy, Direct Marketing, Marketing Research, Product Marketing, Advertising, Advertising Research, Advertising Management, Marketing Management, Sales Management, Direct Sales, Customer Service, International Sales &..., Integrated Marketing..., Computer Marketing, Direct Business Sales, Marketing Logistics, Programming Analyst, Inventory Management, Management Consulting, Computer Operations, Word/Excel Operations, Accounting/Budgeting, Professional..., Trade Shows
Education
Strayer University 2009 — 2012
Master of Business Administration (MBA), Marketing, A
Barton College 1998 — 2002
Bachelor of Science (BS), Business, Management, Marketing, and Related Support Services, A
Barton College 1998 — 2002
Bachelor of Science (BS), Sport and Fitness Administration/Management, A
Francis Scott Key High School 1994 — 1998
First Citizens Bank June 2014 - Present
Howard Bank June 2011 - June 2014
The Washington Savings Bank - June 2009 - June 2011
CFG Community Bank/AmericasBank March 2007 - June 2009
BankAnnapolis April 1998 - March 2007
Skills
Risk Management, Compliance, Contract Negotiation, Commercial Lending, Credit, Consumer Lending, Commercial Mortgages, Mortgage Banking, Residential Homes, Finance, Small Business Lending, Portfolio Management, Small Business
Education
The Johns Hopkins University 1990 — 1994
BA, Political Science
East Carolina University
RMA, Commercial Lending
Howard Bank August 2014 - Present
Bay Bank, FSB May 2006 - August 2014
Webster Bank 2003 - 2006
Fleet Bank 2000 - 2003
Skills
Banking, Relationship Management, Credit Risk, Commercial Lending, Commercial Banking, Marketing, Financial Services, Credit, Account Management, Loans, Underwriting
Education
Howard University 1989 — 1994
Howard Bank February 2014 - Present
Skills
Banking, Mortgage Banking, Loan Origination, Credit, Mortgage Lending, Sales, Refinance, Leadership, Management, Loans
Education
University of Maryland College Park 1993 — 1998
Baltimore based alternative investment manager March 2015 - Present
Howard Bank March 2014 - March 2015
Mercy Medical Center, Baltimore, MD August 2012 - March 2014
Laureate Education April 2011 - August 2012
Laureate Education March 2009 - April 2011
Nordstrom June 2005 - March 2009
Skills
Public Speaking, Training, Microsoft Excel, MS Excel Pivot Tables, Healthcare Analytics, Instructional Design, Distance Learning, PowerPoint, Outlook, Technical Writing, Higher Education, E-Learning, Exceptional People..., Customer Service, Marketing Communications, Marketing
Education
Walden University 2010 — 2011
Master of Business Administration (M.B.A.)
University of Maryland College Park 2005 — 2008
Bachelor of Arts (B.A.), Communication, General
Howard Bank 2003 - Present
Allfirst Bank/presently M & T Bank 2000 - 2003
First National Bank of Maryland 1997 - 2000
First National Bank of Maryland 1992 - 1997
Skills
Commercial Banking, Commercial Lending, Small Business Lending, Consumer Lending, Banking, Credit, Loans, Credit Analysis, Business Development, Retail Banking, Underwriting, Cash Management, Portfolio Management, Commercial Mortgages, Finance, Risk Management, Mergers & Acquisitions, Mortgage Banking, CRM, Financial Analysis, Strategic Planning, Executive Management, Treasury Management, Small Business
Education
Drexel University - College of Business and Administration 1980 — 1982
MBA, Marketing, Finance, Economics
Saint Joseph's University 1973 — 1977
Bachelor of Science (B.S.), Management & Marketing
Howard Bank May 2015 - Present
TD Bank April 2010 - May 2015
TD October 2006 - April 2010
SunTrust 2006 - 2006
Spherion 2000 - 2006
Skills
Human Resources, Succession Planning, Employee Relations, Talent Management, Leadership Development, Talent Acquisition, Relationship Management, Commercial Banking, Banking, Retail Banking
Education
Towson University
Bachelor's Degree, Finance, General
Howard Bank December 2014 - Present
1st Mariner Bank July 1999 - December 2014
Crestar Bank October 1998 - July 1999
Thomson Financial 1996 - 1999
Thomson Financial/CDA Investment Technologies, Inc 1996 - 1998
First National Bank of Maryland 1990 - 1996
Baltimore Federal Financial (FSA) 1987 - 1990
Education
University of Baltimore School of Law 1972 — 1976
JD
Mt. St. Mary's College 1968 — 1972
BS
Chaney Foundation 2009 - Present
Synergies, LLC July 2008 - Present
Howard Bank 2008 - Present
Columbia Festival of the Arts 2000 - Present
Maryland University of Integrative Health January 2009 - 2014
Leadership Howard County June 2008 - 2014
Stocks In the Future August 2012 - November 2012
Impact 100 May 2012 - May 2012
Community Action Council of Howard County January 2011 - April 2011
Children's Guild 2010 - 2011
Skills
Non-profits, Leadership, Community Outreach, Public Speaking, Strategic Planning, Program Development, Event Planning, Fundraising, Public Relations, Volunteer Management, Leadership Development, Grant Writing, Organizational...
Education
University of Oklahoma
MA, Public Administration
University of Washington
Accelerent 2011 - Present
Howard Bank 2003 - Present
First National Bank of Maryland/Allfirst 1973 - 2003
Skills
Small Business Lending, Commercial Banking, Strategic Planning, Commercial Lending, Real Estate, Loans, Mergers & Acquisitions, Commercial Mortgages, Public Speaking, Marketing Strategy, Real Estate Development, Risk Management, Strategy, Nonprofits, Fundraising, Banking, Team Building, Consumer Lending, Financial Analysis, Credit, Finance, Credit Analysis, Underwriting, ACH, Corporate Development, Portfolio Management, Leadership Development, Entrepreneurship, Business Development, Contract Negotiation, Retail Banking, Small Business, Asset Based Lending, Cash Management, Executive Management, Corporate Finance, Investments, Financial Institutions, Treasury Management, Loan Servicing, Financial Structuring, Due Diligence, Real Estate Financing, Financial Services, Mortgage Banking, Private Equity, Asset Management, Loan Origination, Leadership, Real Estate Economics
Education
Loyola University Maryland 1974 — 1979
Master of Business Administration (MBA), Finance, Accounting
Seton Hill University 1969 — 1973
Bachelor's degree, American Studies
Howard Bank October 2014 - Present
1st Mariner Bank January 2013 - October 2014
The Borrowers Advocate March 2012 - January 2013
Lisa Singleton Consulting 2002 - 2006
Chevy Chase Bank October 1998 - June 2002
chevy chase bank 1996 - 1998
Chevy Chase Bank November 1993 - January 1996
Point Breeze Credit Union November 1992 - November 1994
Skills
Dodd-Frank, Credit, RESPA, HMDA, Mortgage Lending, Mortgage Compliance, Loan Servicing, Due Diligence, Loss Mitigation, Training, Residential Mortgages, Refinance, Financial Services, Portfolio Management, Government Loans, Mortgage Banking, Banking
Education
Towson University 1987 — 1991
BS, Finance
Howard Bank SVPAllfirst1988 - 2003
Education
Drexel University - LeBow College of Business 1980 — 1982
MBA, marketing finance economics
Howard Bank August 2014 - Present
Direct Mortgage Loans August 2013 - August 2014
The Federal Savings Bank September 2012 - August 2013
American Bank June 2010 - October 2012
Clear Summit Mortgage January 2009 - July 2010
Adventure Web Productions January 2008 - August 2008
Verizon Wireless August 2004 - January 2008
City Crab & Seafood Company June 2003 - August 2004
Skills
Account Management, FHA, Credit, Financial Analysis, Sales, Loans, Customer Service, Real Estate, Mortgage Lending, Banking, Refinance, Finance, Credit Analysis, Loan Origination, Underwriting, Investment Properties, Residential Homes, Residential Mortgages, VA loans, USDA, Mortgage Banking, FHA financing, Government Loans, Consumer Lending, VA Loans
Education
Towson University 1997 — 2001
Business
Gilman School 1992 — 1996
Howard Bank December 2013 - Present
Skills
Real Estate Transactions, Banking, Underwriting, Mortgage Banking, Refinance, Sales Management, USDA, Loans, Mortgage Lending, Credit, Recruiting, Team Building, Retail Banking, Real Estate, FHA, Financial Analysis, VA loans, Residential Homes, Customer Service, FHA financing, Loan Origination, Residential Mortgages, Construction Loans, Credit Analysis, FHA Financing, VA Loans
Education
University of Baltimore Merrick School of Business 1991 — 1993
Bachelor of Business Administration (BBA), Finance
Howard Bank August 2015 - Present
Skills
Coaching, Strategic Planning, Staff Development, Business Strategy, Leadership, Sales, Customer Service, Marketing, New Business Development, Public Speaking, Process Improvement, Contract Negotiation
Education
Mount St. Mary's University 1989 — 1995
Bachelor’s Degree, Sociology/ Spanish/ Elementary Education
Immaculate Heart Academy 1986 — 1989
High School
Howard Bank September 2013 - Present
JPB Enterprises, Inc. March 2011 - September 2013
Howard County Economic Development Authority September 1993 - February 2011
Atlantic Builders Group 1991 - 1993
Baltimore County Economic Development Commission 1989 - 1991
Washington Baltimore Regional Association 1989 - 1991
Maryland Economic Growth Associates (MEGA) 1986 - 1989
Greater Baltimore Committee 1984 - 1986
Carroll County Economic Development Commission 1979 - 1984
Carroll County Broadcasting Corporation - WTTR 1970 - 1979
Skills
Strategy, Strategic Planning, Business Development, Public Speaking, Public Relations, Marketing, Customer Service, Economic Development, Fundraising, Mergers, Leadership, Non-profits, Marketing Strategy, Entrepreneurship..., Entrepreneurship, Event Planning, New Business Development, Nonprofits, Real Estate, Executive Management, Mergers & Acquisitions, Email Marketing, Small Business, Community Outreach, Program Management, Budgets, Team Building, Event Management, Government, Leadership Development, Social Media Marketing, Strategic Partnerships, Business Strategy, Contract Negotiation, Community Development, Start-ups, Charismatic Leadership, Volunteer Management, Management, Board Development, Marketing Communications, Commercial Real Estate, Investments, Public/private..., Strategic Communications, Organizational..., Analysis, Proposal Writing, Finance, Management Consulting
Education
Towson University 1971 — 1977
BS, Business Administration
Washington College 1963 — 1964
Physics
Chestertown High School 1956 — 1963
Academic, College Prep
Howard Bank July 2004 - Present
Colesce Couture Int'l 1988 - 2004
Atlantic Construction Services 2001 - 2003
Skills
Onboarding, Payroll, Performance Management, Recruiting, Employee Relations
Education
Anne Arundel Community College
Howard Community College
Howard Bank January 2009 - Present
First Citizens Bank January 2007 - January 2009
Chevy Chase Bank January 2005 - January 2007
Access National Bank January 2004 - January 2005
Lone Star National Bank January 1998 - January 2004
Skills
Strong financial..., Strong communication..., Portfolio Management, Banking, Loans, Credit, Financial Analysis
Education
George Mason UniversitySchool of Public Policy
Master of Arts (M.A, International Commerce & Policy
Texas A&M University-Kingsville 1996 — 1999
MBA, Business Administration (Management)
The University of Texas-Pan American 1988 — 1993
BBA, Accounting
Howard Bank March 2015 - Present
Colombo Bank February 2014 - March 2015
Northwest Savings Bank May 2012 - January 2014
Severn Savings Bank August 2011 - May 2012
Maryland Department of Housing and Community Development May 2010 - August 2011
Bradford Bank May 2008 - August 2009
Aerotek/Allegis Group June 2005 - April 2008
Skills
Financial Analysis, Credit, Credit Analysis, Finance, Commercial Lending, Risk Management, Microsoft Excel, Loans, Forecasting, Customer Service, Analysis, Mortgage Lending, Access, PowerPoint, Microsoft Word, Banking, Financial Risk, Underwriting, Portfolio Management, Excel, Word, Customer Relations, Management
Education
Strayer University 2006 — 2008
Master of Business Administration (MBA), Management and Finance
McDaniel College 2001 — 2005
Bachelor of Science, Double MajorBusiness Administration and Economics, 3.0
Mount Saint Joseph High School 2000 — 2001
Dipolma, High School/Secondary Diplomas and Certificates, High School
Baltimore City College H.S. 1998 — 1999
CBIZ Insurance Services, Inc June 2000 - Present
Howard Bank 2010 - 2013
Ebersberger & Associates June 1968 - June 2000
Skills
Insurance, Underwriting, Professional Liability, Property & Casualty..., Commercial Insurance, Employee Benefits, Risk Management, Brokers, Mergers, Reinsurance, Liability, Workers Compensation, Legal Liability, Strategic Planning, Health Insurance, Claim, Casualty, ERISA, Executive Pay, Excess, New Business Development, Disability Insurance, Commercial Lines, Claims Management, General Insurance, Executive Management, D&O, Employment Practices..., Health Savings Accounts, 401k, Financial Risk, Captives, Retirement, Casualty Insurance
Education
Susquehanna University; Loyola University 1965 — 1968
Marketing/Marketing Management
Loyola University Maryland
Finance
Howard Bank August 2009 - Present
Howard Bank January 2008 - August 2009
Fidelity & Trust Bank June 2005 - January 2008
Riggs Bank May 2000 - May 2005
SequoiaBank March 1997 - May 2000
Citizens Bank of Maryland September 1996 - March 1997
Citizens Bank of Maryland 1995 - September 1996
Citizens Bank of Maryland 1994 - 1995
Citizens Bank of Maryland 1993 - 1994
Citizens Bank of Maryland May 1992 - 1993
Skills
Credit, Banking, Loans, Commercial Lending, Commercial Banking, Credit Analysis, Consumer Lending, Risk Management, Financial Analysis, Mortgage Lending, Small Business Lending, Retail Banking, Portfolio Management, Underwriting, Loan Servicing, Credit Risk, Loan Origination
Education
University of Maryland College Park
Bachelor of Science, Accounting
Howard Bank January 2005 - Present
Mercantile Safe-Deposit & Trust Company June 1997 - January 2005
Skills
Commercial Lending, Commercial Banking, Small Business Lending, Banking, Credit, Loans, Credit Analysis, Risk Management, Consumer Lending, Portfolio Management, Underwriting, Financial Analysis, Disposition, Commercial Mortgages, Business Development, Strategic Planning, Finance
Education
Loyola University Maryland 2013 — 2016
Master of Business Administration (MBA)
University of Baltimore 2003 — 2006
B.S., Finance
Howard Bank July 2015 - Present
The Columbia Bank July 2010 - July 2015
K Bank 1996 - 2010
First National Bank of Maryland 1986 - 1996
Skills
Commercial Banking, Financial Analysis, Risk Management, Commercial Lending, Small Business Lending, Loans, Portfolio Management, Team Building, Banking, Asset Based Lending, Commercial Mortgages, Credit, Underwriting, Loan Origination, Lines Of Credit, Consumer Lending, Credit Risk, Mortgage Lending, Treasury Management, Credit Analysis
Education
Towson University 1985 — 1986
BS, Finance
Howard Bank April 2005 - Present
Howard bank April 2005 - Present
1st NationalAllfirst/M&T Bank May 2001 - November 2004
1st National/Allfirst Bank October 1996 - May 2001
Skills
English, Management, Teamwork, Process Improvement, Team Leadership, Technical Writing, Banking, Call Centers, Training, Policy, Employee Training, Leadership, Consumer Lending, Business Development, Software Documentation, Account Reconciliation
Education
NACHA Payments Institute
The Community College of Baltimore County
Associates Degree, Business Administration and Management, General
Howard Bank October 2014 - Present
NBRS FINANCIAL BANK March 2008 - October 2014
Bay First Bank, NA 2006 - 2008
WSFS Bank 1996 - 2006
Wilmington Trust 1984 - 1996
Skills
Finance, Commercial Banking, Mergers & Acquisitions, Banking, Credit, Financial Analysis, Small Business Lending, Commercial Lending, Loan Origination, Financial Services, Leadership, Portfolio Management, Mortgage Lending, Loans, Risk Management, Commercial Mortgages, Retail Banking, Credit Analysis, Relationship Management
Education
Goldey-Beacom College
Finance Management
Wilmington University
Banking & Finance
Howard Bank March 2014 - Present
PNC Mortgage December 2012 - 2013
1st Mariner Mortgage October 2001 - October 2012
Skills
Mortgage Lending, Mortgage Banking, Residential Mortgages, FHA financing, Banking, Commercial Banking, Construction Loans, Government Loans, Consumer Lending, Loans, Commercial Mortgages, FHA Financing, Short Sales, Refinance, FHA, First Time Home Buyers, Investment Properties, Loan Origination, Real Estate, Foreclosures
Education
Howard Community College
Howard Bank May 2015 - Present
Howard Bank October 2014 - Present
NBRS Financial Bank September 2006 - October 2014
NBRS Financial Bank 2003 - October 2014
Skills
Retail Banking, Banking, Commercial Banking, Loans, Relationship Management, Commercial Lending, Risk Management, Credit Analysis, Consumer Lending, Branch Banking, Small Business Lending
Education
Maryland Banking School 2008 — 2010
Honors
The Community College of Baltimore County
Business Administration and Management, General
The BoatHouse Canton, A Waterfront Grille June 2015 - Present
Allied First Bank February 2015 - June 2015
Howard Bank September 2014 - February 2015
The Federal Savings Bank September 2013 - September 2014
Enterprise Holdings Inc. April 2012 - February 2013
Enterprise Rent-A-Car April 2010 - April 2012
Skills
Sales, Customer Satisfaction, Sales Management, Account Management, Customer Service, Customer Retention, Sales Process, Team Building, Cold Calling, Sales Operations
Education
Marietta College 2002 — 2008
Bachelor's degree, Marketing/Marketing Management, General
Howard Bank 1990 - 1992
Chatham Library, chatham NJ 1989 - 1989
Skills
Microsoft Word, Customer Service
Education
Centenary College 1975 — 1977
Associates
Centenary College 1975 — 1977
Associates, Liberal Arts and Sciences, General Studies and Humanities
M&T Bank November 2014 - Present
Howard Bank November 2012 - October 2014
M&T Bank/Provident Bank January 2008 - November 2012
Provident Bank November 2005 - January 2008
Skills
Microsoft Office, Management, Microsoft Excel, Microsoft Word, Research, Sales, Leadership, Training
Education
Sweet Briar College 1997 — 2001
Bachelor of Arts (B.A.), International Relations and Mathematics