MSA Mortgage

Description

Address: 123 W 3rd St, New York, NY 10012 Phone: (646) 484-6547: Website: Category: : Hours: : : Place name: : : Category: Financial Planner Suggest an editUnable to add this file. Please check that it is a valid photo. Unable to add this file. Please check that it is a valid photo. · Own this business?Add missing informationAdd business hours Unable to add this file. Please check that it is a valid photo. Add website Unable to add this file. Please check that it is a valid photo. Questions & answers Ask a questionBe the first to ask a question Add a photoThanks for sharing!Your photo will be posted publicly on Google.Contribute MoreDoneUpload public photos of MSA Mortgage Services Associates Posting publicly on the Web Write a review Reviews Be the first to review

MSA Mortgage List of Employees There's an exhaustive list of past and present employees! Get comprehensive information on the number of employees at MSA Mortgage. You can filter them based on skills, years of employment, job, education, department, and prior employment.

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MSA Mortgage Employees

Employee
Years
Job
Industry
Christian Carter Christian Carter Charlotte, North Carolina Details
Christian Carter's MSA Mortgage Experience May 2013 - July 2013
Job Student at University of North Carolina at Charlotte
Industry Information Technology and Services
Experience
Buffalo Wild Wings  July 2013 - Present
MSA Mortgage   May 2013 - July 2013
EXPRESS  September 2012 - March 2013
Lowes Foods  July 2008 - August 2012

Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Customer Service, Research, Teamwork, Photoshop, Social Media, Public Speaking, English, PowerPoint, Management, Sales, Process Scheduler

Education
University of North Carolina at Charlotte   2009 — 2014
Marketing, Management Information Systems, General

University of North Carolina at Charlotte
B.S.B.A, Marketing; Management Information Systems

University of North Carolina at Charlotte
B.S.B.A, Management Information Systems

Nick Biancucci Nick Biancucci Greater Boston Area Details
Nick Biancucci's MSA Mortgage Experience April 2009 - May 2015
Job Senior Loan Officer at Salem Five Mortgage Corp.
Industry Financial Services
Experience
Salem Five Mortgage Corp.   June 2015 - Present
Sentinel Benefits & Financial Group  September 2009 - May 2015
MSA Mortgage   April 2009 - May 2015
LPL Financial  June 2008 - September 2009
Simplicity Mortgage   January 2001 - April 2009

Skills
Retirement Planning, sales, Strategic Financial..., Investments, Retirement, Finance, Insurance, Mortgage Lending, Investment Management, Financial Advisory, First Time Home Buyers, Employee Benefits

Education
University of Massachusetts, Amherst   1984 — 1989
BSME, Mechanical Engineering

St. John's Prep

University of Hawaii at Manoa

Jason Deeb Jason Deeb Greater Boston Area Details
Jason Deeb's MSA Mortgage Experience January 2007 - Present
Job Senior Loan Officer / Renovation Loan Specialist
Industry Financial Services
Experience
MSA Mortgage   January 2007 - Present

Skills
Mortgage Lending, Loans, VA loans, FHA, First Time Home Buyers, Condos, Investment Properties, Residential Mortgages, Sellers, Refinance, Mortgage Banking, Buyers, Buyers Credit, Loan Servicing, Finance, Renovation Loans

Education
Isenberg School of Management, UMass Amherst   1994 — 1998

University of Massachusetts, Amherst   1994 — 1998
BS, Finance and Economics

Deb Thom Deb Thom Charleston, South Carolina Details
Deb Thom's MSA Mortgage Experience January 2011 - June 2011
Job part time in home office at self employed
Industry Consumer Services
Experience
self employed  SALESLooking for next opportunity in Charleston,SC areaMay 2013 - June 2013
MSA Mortgage   January 2011 - June 2011
Sidus Financial  April 2008 - January 2011
First Magnus Financial  January 2004 - August 2007
MIT Lending/RBMG   April 1998 - December 2006
Equicredit  1995 - 1998
Merrimack Mortgage Co   1994 - 1995
Security Home Mortgage   1991 - 1994
ComFed   1979 - 1985

Skills
Microsoft Office, Excel,Word, powerpoint, Sales, Microsoft Excel, PowerPoint, Business Development, Management, Training, New Business Development, Real Estate, Strategic Planning, Mortgage Lending, Mortgage Banking, Sales Management, Banking, B2B, Loans, FHA, Residential Mortgages, Credit, Finance, Refinance, Underwriting, Investments, Risk Management, Selling, Investment Properties, Executive Management, Loan Origination, VA loans, USDA, Construction Loans, Mortgage Underwriting, Reverse Mortgages, First Time Home Buyers

Education
Business Law & banking courses- Bentley College
Banking/Business

Purdue University
BA, behavioral studies

Albert Petrilli Albert Petrilli Greater Boston Area Details
Albert Petrilli's MSA Mortgage Experience Marketing Drector,Sports Medicine TRu-Fit,AceBecton, Dickinson and CompanyJanuary 1998 - July 2000
Job Senior Loan Office, VP at MSA Mortgage
Industry Real Estate
Experience
MSA Mortgage   Marketing Drector,Sports Medicine TRu-Fit,AceBecton, Dickinson and CompanyJanuary 1998 - July 2000
The Petrilli Group   July 1995 - December 1997
Ryka  January 1990 - May 1995
Reebok  March 1985 - December 1990

Education
Boston University   1970 — 1974
BS, Physical Education

Jim Pallotta Jim Pallotta Atlanta, Georgia Details
Jim Pallotta's MSA Mortgage Experience August 2006 - June 2007
Job First Vice President at SunTrust Bank
Industry Management Consulting
Experience
SunTrust Bank  July 2013 - Present
Accenture  June 2011 - July 2013
Goizueta Business School  August 2009 - May 2011
Bank of America  2010 - 2010
Morgan Stanley  June 2007 - July 2009
MSA Mortgage   August 2006 - June 2007

Skills
Customer Relations, Financial Modeling, Excel, Financial Analysis, Management Consulting, Microsoft Excel, Customer Service, Strategy, Performance Management, Strategic Planning, Finance, Business Strategy, Data Analysis, Management, Business Analysis, Process Improvement, Sales, Project Management, Program Management

Education
Emory University - Goizueta Business School   2009 — 2011
Master of Business Administration (M.B.A.), Strategy & Finance

Georgia Institute of Technology   1998 — 2003
Bachelor of Science (BS), Industrial Engineering

Jeremy Devaney Jeremy Devaney Greater Boston Area Details
Jeremy Devaney's MSA Mortgage Experience April 2015 - Present
Job Mortgage Planner at MSA Mortgage
Industry Financial Services
Experience
MSA Mortgage   April 2015 - Present
CSP Associates, Inc.   September 2013 - April 2015
BB&T Capital Markets  April 2011 - June 2013
DC Capital Markets Society   February 2009 - April 2013
BB&T Capital Markets  October 2010 - March 2011
BB&T Capital Markets  December 2007 - September 2010
BB&T Capital Markets - Scott & Stringfellow   June 2006 - November 2007
BB&T  January 2006 - June 2006
BB&T Capital Markets - Scott & Stringfellow   February 2005 - December 2005

Skills
Mortgage Banking, Loan Origination, Mortgage Underwriting, FHA Financing, Refinance, First Time Home Buyers, Mortgage Lending, Residential Mortgages, Real Estate, Real Estate Transactions, Investment Properties, Real Estate Financing, Financial Modeling, Financial Analysis, Equity Research, Strategy, Due Diligence, Analysis, Equities, Capital Markets, Investments, Mergers & Acquisitions, Valuation, Leadership, Defense, Research, Series 7, Federal Government, Business Strategy, Microsoft Excel, Equity Valuation, Aerospace/Defense, Government, Private Equity, Corporate Finance, PowerPoint, DoD, IPO, Microsoft Office, Writing, Series 66, Microsoft Word, Strategic Consulting, Consulting, Excel, Word, English, Transaction Advisory..., M&A, Mergers

Education
College of Charleston
B.S., Business Administration w/ Concentration in Finance

Dickinson College
Environmental Science

Governor Dummer Academy

Barnstable High School

Eric Palen Eric Palen Greater Boston Area Details
Eric Palen's MSA Mortgage Experience October 2012 - May 2013
Job Senior Loan Officer at Mortgage Financial
Industry Real Estate
Experience
Mortgage Financial  March 2014 - Present
Guaranteed Rate  May 2013 - February 2014
MSA Mortgage   October 2012 - May 2013
Fairway Independent Mortgage Corporation  February 2011 - October 2012
Citizens Bank  October 2010 - January 2011
Fairway Independent Mortgage Corporation  September 2008 - November 2010
CTX Mortgage  October 2007 - August 2008
Direct Capital Corporation  February 2004 - January 2005
Aetna  June 1999 - February 2004

Skills
Mortgage Lending, FHA, Refinance, First Time Home Buyers, Underwriting, Loans, Finance, Real Estate Transactions, FHA financing, Mortgage Banking, USDA, Investment Properties, Customer Service, Residential Homes, VA loans, Certified Mortgage..., Loan Origination, Residential Mortgages, Real Estate, Condos, Funding, Credit Scoring, Pre-qualification, Real Estate Financing, Referrals

Education
University of Massachusetts at Lowell   1995 — 2003
BS, Management and marketing

University of Massachusetts at Lowell
Masters, MBA

Rafael Barbosa Rafael Barbosa Greater Boston Area Details
Rafael Barbosa's MSA Mortgage Experience January 2007 - December 2007
Job Director of Operations, Operating Partner at FiRE+iCE Restaurants
Industry Restaurants
Experience
FiRE+iCE Grill + Bar   October 2014 - Present
FiRE+iCE Grill + Bar   October 2011 - October 2014
Mission Oak Grill & Restaurant R & D   October 2006 - August 2013
FiRE+iCE Grill + Bar   May 2009 - October 2011
FiRE+iCE Grill + Bar   May 2008 - May 2009
MSA Mortgage   January 2007 - December 2007
Ross Mortgage Company  July 2005 - December 2006
Baja Fresh  February 2004 - August 2004

Skills
Leadership, Team Building, Marketing, Social Media Marketing, Guerrilla Marketing, Grassroots Marketing, Marketing Management, Brand Management, Restaurant Marketing, Marketing Strategy, Lead Generation, Email Marketing, Event Planning, Website Promotion, Social Networking, Online Marketing, Sales Management, Wordpress, Brand Awareness, Facebook, Customer Retention, Web Analytics, Digital Media, Google Analytics, Customer Service, Microsoft Excel, Social Media

Education
Salem State University   2004 — 2008
Bachelors, Business Administration- Marketing

Tara Kwiatkowski Tara Kwiatkowski Winthrop, Massachusetts Details
Tara Kwiatkowski's MSA Mortgage Experience August 2006 - Present
Job Secondary Marketing Analyst at MSA Mortgage
Industry Real Estate
Experience
MSA Mortgage   August 2006 - Present

Skills
Loans, Refinance, Investment Properties, Customer Service, FHA, Microsoft Excel, Microsoft Office, Microsoft Word, Investor Relations, FHA financing, VA loans, Residential Mortgages, FHA Financing, First Time Home Buyers, Mortgage Servicing, Government Loans, Interest Rates, Non-Conforming, Loan Modifications, Investments, Consumer Lending, Loan Servicing, Funding, Home Equity Loans, Foreclosures, Credit Analysis, VA Loans, Mortgage Lending

Education
Salem State University   2000 — 2004
Bachelor's degree, Business Administration and Management, General

Samantha Rodil Samantha Rodil Greater Boston Area Details
Samantha Rodil's MSA Mortgage Experience May 2012 - May 2015
Job Secondary Marketing
Industry Marketing and Advertising
Experience
Commonwealth of Massachusetts  May 2015 - Present
MSA Mortgage   May 2012 - May 2015
JN Phillips Auto Glass  November 2011 - January 2012
Doonan, Graves, and Longoria   August 2011 - October 2011
Smashion LLC  January 2011 - May 2011
Financial Aid- Suffolk University   September 2007 - May 2011
Forever 21  April 2009 - January 2010
Kohls  March 2007 - September 2008

Skills
PowerPoint, Microsoft Excel, Microsoft Word, SPSS, Facebook, Social Media Marketing, Social Media, Event Planning, Marketing Research, Microsoft Office, Social Networking, Market Research, Marketing, Email Marketing, Customer Service, Advertising, Outlook, Blogging, Sales

Education
Suffolk University - Sawyer School of Management   2007 — 2011
BS/BA, Marketing

Jonathan Shanahan Jonathan Shanahan Winthrop, Massachusetts Details
Jonathan Shanahan's MSA Mortgage Experience July 2015 - Present
Job Mortgage Loan Originator at MSA Mortgage LLC
Industry Real Estate
Experience
MSA Mortgage   July 2015 - Present
New England Teamsters Federal Credit Union   July 2014 - July 2015
Webster First Federal Credit Union  August 2011 - July 2014

Skills
Loan Origination, Loans, Customer Service, Management, Team Leadership, Mortgage Lending, Finance, Credit

Education
Becker College   2007 — 2011
Bachelor’s Degree, Constitutional Law

Winthrop High School   2004 — 2007
High School

Eric Risley Eric Risley Barnstable/Yarmouth, Massachusetts Area Details
Eric Risley's MSA Mortgage Experience January 2012 - March 2013
Job Private Mortgage Banker NMLS #10210 at United Bank Financing Homes Throughout New England, New York and Florida
Industry Financial Services
Experience
United Bank  October 2014 - Present
Residential Mortgage Services, Inc. -- NMLS#1760   September 2013 - October 2014
Powder House Mortgage Company, Inc.   March 2013 - July 2013
MSA Mortgage   January 2012 - March 2013
Advantage Mortgage & Aclient Software Systems   March 1986 - December 2011
Fortune Financial Group, Inc   May 1985 - March 1986
Fleet Bank  April 1984 - May 1985
House Hold Finance   June 1982 - April 1984

Skills
Loans, Mortgage, Residential Mortgages, Home, Investors, Consultant, Mortgage Lending, Mortgage Banking, FHA, VA loans, Credit Analysis, Investment Properties, USDA, Reverse Mortgages, Refinance, First Time Home Buyers, Construction Loans, Real Estate Financing, Underwriting, Mortgage Marketing, Banking, Real Estate, Marketing, Certified Mortgage..., Sales, Loan Origination, Investments, FHA financing, Credit, Commercial Lending, Commercial Mortgages, Finance, Real Estate Economics, Financial Structuring, Funding, Loss Mitigation, VA Loans, Residential Homes, Condos, Real Estate Transactions, Short Sales, Referrals, Single Family Homes, Relocation, Interest Rates, Mortgage Underwriting

Education
State University of New York College at Plattsburgh   1978 — 1982
BS, Accounting

Christopher Kilburn Christopher Kilburn Wilmington, Massachusetts Details
Christopher Kilburn's MSA Mortgage Experience May 2012 - Present
Job Mortgage Originator at MSA Mortgage
Industry Real Estate
Experience
MSA Mortgage   May 2012 - Present
Coastal Finance, LLC   December 2010 - February 2012
Consumer Home Mortgage Corp.   September 2002 - November 2010

Skills
Loan Origination, Mortgage Banking, Refinance, VA loans, Residential Mortgages, FHA financing, FHA, Mortgage Lending, Loans, Mortgage Underwriting, Construction Loans, Reverse Mortgages, Government Loans, Consumer Lending, FHA Financing, USDA, Investment Properties, First Time Home Buyers, VA Loans

Education
Stonehill College   1998 — 2002
Bachelor of Arts (B.A.), Communications

Abigail Dougan Abigail Dougan Greater Boston Area Details
Abigail Dougan's MSA Mortgage Experience February 2008 - October 2011
Job Underwriter at Sage Bank
Industry Financial Services
Experience
Sage Bank  November 2011 - Present
MSA Mortgage   February 2008 - October 2011
H&R Block Mtg   April 1999 - July 2007
UC Lending  March 1996 - April 1999

Skills
Underwriting, Loans, Training, USDA, Refinance, Credit Analysis, Loan Origination, Mortgage Lending, Banking, Management, First Time Home Buyers, Process Improvement, Mortgage Banking, Residential Mortgages, Credit, FHA financing, FHA, VA loans, Reverse Mortgages, Government Loans, Loss Mitigation, Consumer Lending, Leadership, Mortgage Underwriting, Commercial Lending, Home Equity Loans, Finance

Education
University of New Hampshire   1984 — 1988
Business

Andover High School   1981 — 1984

Elaine Manfredi Elaine Manfredi Greater Boston Area Details
Elaine Manfredi's MSA Mortgage Experience April 2004 - June 2005
Job Assistant Vice President/Residential Loan Officer
Industry Banking
Experience
Northern Bank & Trust Company  May 2014 - Present
Wakefield Co-Operative Bank   June 2011 - May 2014
NE Moves Mortgage Corporation   April 2009 - June 2011
TD Banknorth  August 2006 - April 2009
Patriot Community Bank/Genesis Mortgage   December 2005 - August 2006
MSA Mortgage   April 2004 - June 2005
Cambridge Savings Bank  2002 - 2004
Watertown Savings Bank  August 2001 - November 2002
Bay State Federal Bank   January 1998 - June 2001
The Co-Operative Bank of Concord   1985 - 1998

Skills
Construction Loans, Bridge Financing, Residential Mortgages, Investment Properties, Construction, Mortgage Banking, Commercial Lending, Commercial Mortgages, Investors, Loans, Real Estate, Mortgage Lending, USDA, Refinance, FHA, VA loans, Short Sales, Banking, Condos, REO, Underwriting, FHA financing, Loan Origination, Finance, Commercial Real Estate, Mortgage Marketing, Home Equity Lines of..., Real Estate Financing, Portfolio Management, First Time Home Buyers, Sellers, Property, Referrals, Mortgage Underwriting, Certified Mortgage..., Reverse Mortgages, Loss Mitigation, Credit, Real Estate Economics, Real Estate Transactions, Government Loans, Foreclosures, Consumer Lending, Consulting, Home Equity Loans, Residential Homes, VA Loans

Education
Bentley University

Watertown High

Kristine Dussault Kristine Dussault Greater Boston Area Details
Kristine Dussault's MSA Mortgage Experience February 2009 - May 2009
Job Senior Underwriter at Salem Five Mortgage
Industry Financial Services
Experience
Salem Five Mortgage Compnay   December 2012 - September 2014
TD Bank  September 2012 - December 2012
TD  May 2009 - September 2012
MSA Mortgage   February 2009 - May 2009
First Franklin Financial Corporation (Wholly owned subsidiary of Merrill Lynch)   October 1998 - October 2007

Skills
Credit, Risk Management, Loans, Loan Origination, Finance, Refinance, Underwriting, Analysis, FHA financing, Credit Analysis, VA loans, FHA, Leadership, Financial Risk, Mortgage Lending, Financial Services, Residential Mortgages, Mortgage Banking

Education
University of Massachusetts at Lowell   1993 — 1994
Accounting

Higher Balance Center
Certified Reiki Practitioner, Specialist in Humans and Animals

Rich Clayton Rich Clayton Greater Boston Area Details
Rich Clayton's MSA Mortgage Experience May 2011 - Present
Job Vice President / Senior Mortgage Planner at MSA Mortgage
Industry Financial Services
Experience
MSA Mortgage   May 2011 - Present
Bank of Canton  August 2008 - May 2011
Summit Mortgage  2003 - 2007
Navic Networks  1998 - 2003

Skills
Loans, Sales, First Time Home Buyers, Real Estate Transactions, Mortgage Banking, Loan Origination, Account Management, Mortgage Lending, Real Estate, Refinance, FHA, Real Estate Financing, VA loans, Residential Mortgages, Credit Analysis, Investment Properties, Customer Service, Residential Homes, Banking, Credit, Underwriting, Financial Analysis, FHA financing, Construction Loans

Education
Northeastern University   1994 — 1997
Master of Business Administration (MBA), Finance and Financial Management Services

Southeastern Massachusetts University   1985 — 1989
BSME, Mechanical Engineering

Newton South

Chris Dunlea Chris Dunlea Greater Boston Area Details
Chris Dunlea's MSA Mortgage Experience May 2012 - Present
Job SAles Manager at Envoy Mortgage, Ltd.
Industry Financial Services
Experience
MSA Mortgage   May 2012 - Present
Downings Financial Services   2011 - Present
CNI  1999 - 2002

Education
University of Massachusetts, Amherst

Brett W. Terry Brett W. Terry Greater Boston Area Details
Brett W. Terry's MSA Mortgage Experience November 2010 - April 2012
Job Assistant Vice President of Retail Lending at Merrimack Valley Federal Credit Union
Industry Banking
Experience
Merrimack Valley Federal Credit Union  September 2015 - Present
Merrimack Valley Federal Credit Union  April 2012 - September 2015
MSA Mortgage   November 2010 - April 2012
New England Regional Mortgage Company   February 2008 - November 2010
Equity One  December 2005 - May 2007
1-800 East West Mortgage  1999 - 2005
East West Mortgage  December 1999 - November 2000

Skills
Mortgage Lending, Loan Origination, Mortgage Banking, Loans, Residential Mortgages, Refinance, FHA, Credit, Credit Analysis, Underwriting, Finance, Banking, Investments, Commercial Lending, Investment Properties, VA loans, Consumer Lending, Commercial Mortgages, Real Estate, Mortgage Underwriting, Real Estate Financing, Financial Analysis, Residential Homes, Risk Management, Foreclosures, Real Estate Transactions

Education
Salem State University
BS, Finance

Leonardo Crisostomo Leonardo Crisostomo Greater Boston Area Details
Leonardo Crisostomo's MSA Mortgage Experience November 2001 - April 2004
Job Senior Sales Professional
Industry Marketing and Advertising
Experience
Seccion Amarilla USA  2009 - 2009
Yellowbook USA  July 2007 - November 2008
Summit Mortgage  April 2004 - July 2007
MSA Mortgage   November 2001 - April 2004
Tufts Health Plan  February 2000 - November 2001
Tufts Health Plan  March 1997 - February 2000
Tufts Health Plan  November 1995 - March 1997

Education
Boston University   1982 — 1987
Bachelor of Science, Business Administration

Fariba Karbasi Fariba Karbasi Greater Boston Area Details
Fariba Karbasi's MSA Mortgage Experience January 2012 - July 2014
Job Sr. Loan Officer NMLS# 161778
Industry Real Estate
Experience
Residential Mortgage Services, Inc - NMLS # 1760   August 2014 - Present
MSA Mortgage   January 2012 - July 2014
MSA Mortgage   January 2012 - July 2014
Salem Five Mortgage Company  January 2011 - December 2011
Bank of Canton  May 2009 - December 2010
Time Warner Book Group  December 1996 - August 2005

Skills
Mortgage Lending, Loan Origination, FHA, Loans, Mortgage Banking, Refinance, Investment Properties, Real Estate Transactions, Property, First Time Home Buyers, FHA financing, Construction Loans, VA loans, Finance, Residential Mortgages, Credit, Underwriting, Superior Work Ethic, Real Estate, Real Estate Financing, Superior Client Service, Commitment to Customer..., Government Loans, Certified Mortgage..., Credit Analysis, Commercial Lending, Customer Satisfaction, Investors, Mortgage Marketing, Client Services, Customer Service

Education
Suffolk University   2000 — 2005
BS, Finance

University of Massachusetts Boston   1982 — 1983
Business Management

Newbury Jr. College, Boston, MA   1980 — 1982
Associate's degree, Business Management

Jo-Ann Gagliardi Jo-Ann Gagliardi Greater Boston Area Details
Jo-Ann Gagliardi's MSA Mortgage Experience June 2013 - January 2014
Job Underwriter
Industry Real Estate
Experience
Russo Tux, Dresses and Limousine   July 2014 - Present
MSA Mortgage   June 2013 - January 2014
First Trust Union Bank   August 2011 - October 2011
Leader Mortgage  November 2010 - June 2011
First Franklin  1996 - 2006

Skills
Refinance, Mortgage Lending, Residential Mortgages, Small Business Lending, Mortgage Banking, FHA, Credit, FHA financing, Loan Origination, Loans, Mortgage Underwriting, USDA, VA loans, Construction Loans, First Time Home Buyers

Education
Suffolk University   1978 — 1982

Carissa Pape Carissa Pape Greater Boston Area Details
Carissa Pape's MSA Mortgage Experience August 2015 - Present
Job Mortgage Loan Analyst
Industry Financial Services
Experience
MSA Mortgage   August 2015 - Present

Skills
Loans, Small Business Lending, Credit Unions, Consumer Lending, Credit, Customer Service, Banking, Coaching, Team Building, New Business Development, Strategic Planning, Mortgage Lending, Employee Relations, Branch Management, Business Development, Public Relations, Leadership

Education
Western New England University   2014 — 2015
Bachelor's Degree, Business Administration and Management, General

Manchester Community College   2008 — 2012
Associates, Business Administration