Summit Mortgage

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Summit Mortgage Employees

Employee
Years
Job
Industry
Ashley Odisho Ashley Odisho Fort Wayne, Indiana Details
Ashley Odisho's Summit Mortgage Experience July 2012 - August 2013
Job Self Employed Nanny
Industry Marketing and Advertising
Experience
Self Employed  April 2007 - Present
Summit Mortgage   July 2012 - August 2013
The Bridal Gallery   August 2010 - December 2010

Skills
Social Media, Microsoft Office, PowerPoint, Microsoft Excel, Microsoft Word, Customer Service, Teamwork, Facebook, Event Planning

Education
Indiana University-Purdue University Fort Wayne (IPFW)   2011 — 2015
Bachelor of Business Administration (BBA), Business, Management, Marketing, and Related Support Services

Elizabeth Mortensen Elizabeth Mortensen Greater New York City Area Details
Elizabeth Mortensen's Summit Mortgage Experience July 2004 - October 2007
Job National Marketing Services Manager at Gilbane Building Co.
Industry Marketing and Advertising
Experience
Gilbane Building Company  October 2013 - Present
ProPoint Graphics  February 2010 - September 2013
National Future Benefits, Inc.   February 2008 - October 2009
Summit Mortgage   July 2004 - October 2007
Frictionless Commerce  January 2003 - June 2004
International Raw Materials Ltd.  October 2001 - December 2002
CBT Architects  October 1998 - August 2001

Skills
Brand Management, Creative Strategy, Direct Response, Management, Online Advertising, Social Media, Marketing, InDesign, Adobe Acrobat, Marketing Communications, Graphic Design, Photoshop, Illustrator, Adobe Creative Suite, Marketing Strategy, PowerPoint, Advertising, Creative Direction, Sales, Web Design, Strategy, Brand Development, Project Management, Digital Marketing, Online Marketing, Leadership

Education
Boston University   2003 — 2006
BS Management / Marketing Concentration, Boston University

Boston Architectural College
Architecture

Jim Rennie Jim Rennie Greater Minneapolis-St. Paul Area Details
Jim Rennie's Summit Mortgage Experience January 2007 - February 2010
Job President & CEO
Industry Consumer Electronics
Experience
SafeKey Corporation   February 2010 - Present
Summit Mortgage   January 2007 - February 2010

Skills
Sales Management, New Business Development, Strategic Planning, Marketing Strategy, Sales, CRM, Business Development, Sales Operations, Start-ups, Selling, Marketing, Leadership, Negotiation, Contract Negotiation, Management, Team Leadership, Training, Account Management, Entrepreneurship, Budgets, Leadership Development, Coaching, Process Improvement

Education
University of Alabama in Huntsville   1982 — 1986
Business, Marketing

University of St. Thomas School of Business Minneapolis Minnesota   2012 — 2015
Masters of Business Administration

Kathy Manz Kathy Manz Rogers, Minnesota Details
Kathy Manz's Summit Mortgage Experience 1998 - 2004
Job Accountant
Industry Accounting
Experience
Great Lakes Management Company  December 2014 - Present
Japs-Olson Company  October 2012 - October 2013
H&R Block  January 2008 - April 2009
American Residential Mortgage  2004 - 2007
Summit Mortgage   1998 - 2004

Skills
Strong background in..., Self motivated,..., Audit, Finance, Accounting, Accounts Receivable, Analysis, SAP, Financial Reporting, Internal Controls, Financial Accounting, Microsoft Excel, Account Reconciliation

Education
Metropolitian State University - College of Management   2012 — 2014
Bachelor's degree, Accounting

North Hennepin Community College   2008 — 2011
Liberal Arts, Accounting

Darryl MacNair Darryl MacNair Irving, Texas Details
Darryl MacNair's Summit Mortgage Experience August 2002 - December 2007
Job Corporate Controller at BSI Financial Services Inc
Industry Financial Services
Experience
BSI Financial Services Inc  September 2010 - Present
Dynamic Capital Mortgage  January 2008 - June 2009
Summit Mortgage   August 2002 - December 2007
BNY Mellon  March 2000 - July 2002
Northeastern University  October 1998 - March 2000
Student Advantage  September 1995 - October 1998

Skills
Loans, Financial Analysis, Finance, Accounting, Portfolio Management, Banking, Credit, Investments, Management, Mergers & Acquisitions, Asset Management, Mortgage Lending, Valuation, Business Planning, Forecasting, Financial Services, Team Building, Sales, Insurance, Internal Controls, CRM

Education
Northeastern University   1991 — 1996
Accounting

Northeastern University   1991 — 1996

Deirdre Martin Deirdre Martin Chicago, Illinois Details
Deirdre Martin's Summit Mortgage Experience November 2008 - September 2010
Job wndchsr photography
Industry Photography
Experience
Self  January 2005 - Present
wndchsr photography   January 1990 - Present
Movement Mortgage  June 2013 - May 2014
PNC Mortgage  October 2011 - May 2013
Chicago Bancorp  September 2010 - August 2011
Summit Mortgage   November 2008 - September 2010
Clybourn Financial Services   April 2004 - October 2008
Automobile Dealers   June 1991 - September 2004
Schaumburg Toyota, Schaumburg, IL   January 2000 - April 2004
Bernard Chevrolet, Isuzu, RV, Libertyville, IL   January 1997 - January 2000

Skills
Credit, Sales Management, Finance, Sales, Customer Service, Accounting, Mortgage Lending, Loans, Microsoft Office, Credit Analysis, Operations Management, Account Management, Insurance, Retail, Recruiting, Office Administration, Residential Mortgages, Mortgage Marketing, Mortgage Banking, Managerial Finance, Office Management, Loan Origination, Home Equity Loans, Management Consulting, Automotive, Business, Events, Invoicing, Yachting, Yacht Racing, Yacht Clubs, Negotiation, Onboarding, Navigation, Sailing, Rigging, Boating, Creativity, Team Building, Team Management, Volunteering, Photography, Microsoft Publisher, Property Management, Reverse Mortgages, VA loans, USDA, Commercial Mortgages, Leadership, Compliance

Education
College of Lake County

Lake Forest   1981 — 1983

La Lumiere School   1980 — 1981

Jason Barber Jason Barber Greater Boston Area Details
Jason Barber's Summit Mortgage Experience April 2001 - January 2002
Job Production and Operations Specialist at Fairway Independent Mortgage Corporation
Industry Financial Services
Experience
Fairway Independent Mortgage Corporation  January 2015 - Present
Mortgage Master, Inc.   May 2014 - December 2014
Greenpark Mortgage  May 2003 - January 2014
Greenpark Mortgage div of Berkshire Bank   May 2003 - January 2014
Reliant Mortgage  January 2002 - May 2003
Summit Mortgage   April 2001 - January 2002
H&R Block Mortgage Corporation   August 1996 - April 2001

Skills
Over 15 years of..., FHA, Loan Origination, Loans, Underwriting, Government Loans, Non-Conforming, Appraisals, Mortgage Banking, Mortgage Lending, Refinance, USDA, Residential Mortgages, Investors, FHA financing, Mortgage Underwriting, Credit

Education
Dean College

Laurel Richendollar, PHR Laurel Richendollar, PHR Warsaw, Indiana Details
Laurel Richendollar, PHR's Summit Mortgage Experience 2004 - 2007
Job HR Specialist at Symmetry Medical/Tecomet
Industry Medical Devices
Experience
Symmetry Medical  February 2011 - Present
Zimmer  October 2009 - February 2011
IPMG  July 2007 - September 2009
Summit Mortgage   2004 - 2007

Skills
Human Resources, Onboarding, Employee Benefits, Benefits Administration, Performance Management, HRIS, Deferred Compensation, Payroll, Training, Talent Management, Process Improvement, Customer Service, Sourcing, Leadership Development, Talent Acquisition, Leadership, Employee Engagement, Microsoft Office, Outlook, Inventory Management, Hiring

Education
Indiana University Bloomington   1988 — 1992
Bachelor of Arts (B.A.), Criminal Justice

HNHS

IUSB PHR Class

Lori Klobas Lori Klobas Stateline, Nevada Details
Lori Klobas's Summit Mortgage Experience August 2006 - August 2011
Job Long Term Care Specialist
Industry Insurance
Experience
Genworth Financial  January 2012 - Present
Summit Mortgage   August 2006 - August 2011
SCME Mortgage Bankers  April 2003 - October 2007
Option One Mortgage  May 1997 - May 2003

Education
University of Nevada-Reno   1977 — 1982
BA, Social Work

University of California, Berkeley   1974 — 1976

Soña S. Gonzales Soña S. Gonzales Fort Lauderdale, Florida Details
Soña S. Gonzales's Summit Mortgage Experience June 2006 - February 2007
Job QA Compliance Specialist at Independent Contractor Market Research
Industry Market Research
Experience
Dunhill Travel Deals  November 2013 - July 2014
Digital Next   April 2012 - September 2013
Virtual Business Operations   June 2011 - April 2012
Keiser University  January 2011 - June 2011
Educational Housing Services  May 2007 - July 2010
Vive Magazine/Teramar Media   March 2007 - May 2007
Summit Mortgage   June 2006 - February 2007
Direct Access Lending  June 2005 - May 2006
The Marketing Studio   January 2005 - June 2005

Skills
CRM software, CMS, Website Management, Event Planning, Promotions, Advertising, Newsletters, Public Speaking, Google Analytics, Webmaster Services, Marketing, Email Marketing, SEO, Budgets, Social Media Marketing, CRM, Social Media, Online Marketing, Management, Social Networking, Public Relations

Education
University of Miami - School of Business   2000 — 2002
Bachelor of Business Administration (BBA), Marketing

St. Michael's Preparatory Academy   1992 — 1995
High School

Colin Krieger Colin Krieger Anchorage, Alaska Area Details
Colin Krieger's Summit Mortgage Experience September 2008 - February 2010
Job Licensed Mortgage Loan Officer at First Rate Financial
Industry Financial Services
Experience
First Rate Financial   February 2010 - Present
Summit Mortgage   September 2008 - February 2010
Wells Fargo Home Mortgage  April 2004 - September 2008

Education
University of Alaska Anchorage   2001 — 2004
Business

April Hutson, PHR April Hutson, PHR Houston, Texas Area Details
April Hutson, PHR's Summit Mortgage Experience November 1999 - December 2000
Job Senior HR Manager
Industry Oil & Energy
Experience
Expro Americas, LLC  October 2009 - Present
ypOne Enterprises US, Inc   February 2007 - August 2009
First American Title Insurance Co  July 2004 - September 2006
Stewart Title Guaranty Company  February 2001 - July 2004
Stewart Title Guaranty  February 2001 - July 2004
Summit Mortgage   November 1999 - December 2000
Retail Experience at Candy Heaven, Sears Portrait Studio and Foleys   January 1996 - January 1999

Skills
Applicant Tracking..., Training, Time Management, Human Resources, Deferred Compensation, Recruiting, Employee Relations, Talent Management, Benefits Administration, Workforce Planning, FMLA, HR Policies, Change Management, Microsoft Office, ADP Payroll, Performance Management, Labor Relations, Strategy, Employment Law, Employee Training, HRIS, Policy, Succession Planning, Petroleum, New Hire Orientations, Vendor Management, Management, Payroll, Leadership, Onboarding, Talent Acquisition, Oil/Gas, Employee Benefits, Personnel Management, Employee Engagement, HR Consulting, Interviews, Technical Recruiting, Compensation & Benefit, Organizational..., Team Management

Education
Rice University
PHR, Professional in Human Resources

Peter Fickeisen Peter Fickeisen Greater Boston Area Details
Peter Fickeisen's Summit Mortgage Experience September 2004 - August 2007
Job Vice President Sales Massachusetts at William Raveis Mortgage LLC / Excutive Mortgage Banker NMLS#12344
Industry Banking
Experience
William Raveis Mortgage  August 2007 - Present
William Raveis-Real Estate, Mortgage, Insurance   August 2007 - Present
William Raveis Real Estate  2007 - Present
Summit Mortgage   September 2004 - August 2007

Skills
First Time Buyers, Mortgage, Loans, Condos, First Time Home Buyers, Investment Properties, Purchase, Mortgage Banking, FHA, Real Estate, Mortgage Lending, Conventional, Refinance, Finance, Sellers, Sales, Selling, Buyers, VA loans, Referrals, Real Estate Transactions

Education
Boston College   1994 — 1997
marketing;business

Northeastern University   1993 — 1996

Dover-Sherborn

Matthew Pettinato Matthew Pettinato Belmont, Massachusetts Details
Matthew Pettinato's Summit Mortgage Experience September 2006 - December 2006
Job MA Hockey League
Industry Sports
Experience
MA Hockey League   May 2012 - Present
MA Sports Leagues, LLC   August 2014 - Present
Massfoos   January 2007 - Present
BNY Mellon  May 2011 - October 2012
BNY Mellon  January 2007 - May 2011
Summit Mortgage   September 2006 - December 2006
Framingham State College Student Involvement Office   September 2004 - December 2006
Framingham State College Athletics   September 2002 - December 2006

Skills
Accounting, Analysis, Customer Service, Finance, Management, Scheduling, Time Management, Microsoft Word, Microsoft Excel

Education
Framingham State University   2002 — 2007

Framingham State University
Bachelor of Science, Business Administration2006

Lisa P Chesnell Lisa P Chesnell Greater Boston Area Details
Lisa P Chesnell's Summit Mortgage Experience May 2005 - June 2008
Job Assistant Vice President & Licensed Mortgage Originator
Industry Real Estate
Experience
Mortgage Financial Inc  June 2008 - Present
Mortgage Network, Inc.   2009 - 2009
Summit Mortgage   May 2005 - June 2008

Skills
First Time Home Buyers, Refinance, Real Estate, Loans, Credit, FHA, Referrals, Mortgage Lending, Mortgage Banking, Underwriting, Residential Mortgages, FHA financing, Selling, Loan Origination, Finance, Investment Properties, VA loans, Home Equity Loans

Education
Suffolk University   1994 — 1996
BA, Paralegal

Fisher College   1992 — 1994

Bob Rocklein NMLS #21946 Bob Rocklein NMLS #21946 Greater Boston Area Details
Bob Rocklein NMLS #21946's Summit Mortgage Experience August 2001 - January 2002
Job Senior Loan Officer at Mortgage Master
Industry Real Estate
Experience
Mortgage Master  March 2014 - Present
New Fed Mortgage  December 2008 - March 2014
First Integrity Mortgage, LLC   January 2007 - December 2008
First Call Mortgage  March 2004 - December 2006
Mortgage Partners  January 2002 - February 2004
Summit Mortgage   August 2001 - January 2002
Olde Towne Mortgage Company   September 1995 - August 2001
Eastern Mortgage Services   August 1993 - August 1995
Commonwealth Mortgage Company  September 1980 - July 1993

Skills
Mortgage Lending, Referrals, Loans, FHA, Refinance, Investment Properties, Real Estate, Credit, First Time Home Buyers, USDA, Banking, Mortgage Banking, Loan Origination, Residential Homes, VA loans, FHA financing, Residential Mortgages, Construction Loans, Condos, Finance, Foreclosures, Certified Mortgage..., Reverse Mortgages, REO, HUD, Sales, Government Loans, Commercial Lending, Investments

Education
Gordon College   1970 — 1974
BA, Foreign Language, Buisness

Allan Valle Allan Valle Houston, Texas Area Details
Allan Valle's Summit Mortgage Experience 2001 - 2002
Job Recruiter at Texas HeadHunter
Industry Staffing and Recruiting
Experience
Texas HeadHunter   June 2010 - May 2012
Republic State Mortgage  November 2005 - July 2007
Prestamos De Texas   November 2002 - November 2005
Summit Mortgage   2001 - 2002
U.S. Army   1995 - 2001

Skills
Recruiting, Human Resources, Engineering, Sourcing, Contract Negotiation, Project Management, Oil/Gas, Applicant Tracking..., Project Planning, SDLC, SAP, Customer Service, Talent Acquisition, Team Building, Information Technology, Employee Training, Temporary Placement, Microsoft Word, Technical Recruiting, Microsoft Excel, College Recruiting

Education
Houston Community College   1990 — 1992
General Studies

Becky Wigstrom Becky Wigstrom Greater Minneapolis-St. Paul Area Details
Becky Wigstrom's Summit Mortgage Experience July 2008 - December 2010
Job Universal Banker at US Bank
Industry Financial Services
Experience
US Bank  April 2014 - Present
Wells Fargo Home Mortgage  September 2011 - March 2013
US Bank Home Mortgage  December 2010 - September 2011
Summit Mortgage   July 2008 - December 2010
American Residential Mortgage  2000 - 2009

Skills
•The skills that have..., Mortgage Lending, Loans, Mortgage Banking, FHA, Loan Origination, Residential Mortgages, Refinance, USDA, VA loans, Credit, FHA financing, Underwriting, Investment Properties, Foreclosures, REO, Real Estate, Loss Mitigation, Mortgage Underwriting

Education
Century College   1983 — 1985
Business/Commerce, General

Mounds View Senior High   1974 — 1977

Chris Schreck Chris Schreck Portland, Oregon Area Details
Chris Schreck's Summit Mortgage Experience January 1998 - May 2000
Job Account Executive at NetMore America
Industry Wholesale
Experience
NetMore America   February 2008 - Present
New Century Mortgage  May 2003 - May 2007
New Century Corporation   2003 - 2007
Long Beach  May 2000 - April 2003
Summit Mortgage   January 1998 - May 2000

Education
Oregon State University   1993 — 1997
B.A., Marketing/International Businss

Gina Martiniello Gina Martiniello Greater Boston Area Details
Gina Martiniello's Summit Mortgage Experience November 2004 - October 2007
Job Dynamic Administrative Professional with Human Resources Management Experience
Industry Management Consulting
Experience
PeopleFluent  June 2015 - Present
The Whiteley Group   December 2014 - June 2015
Pro Teck Valuation Services  April 2009 - September 2014
The Onstott Group  May 2008 - January 2009
Winter Wyman & Company  January 2008 - May 2008
Summit Mortgage   November 2004 - October 2007
At Your Service  October 2000 - October 2007
Converse  March 1997 - October 2000
Prudential Securities, Mosler, Inc. FTD Companies, Inc.   September 1994 - February 1997

Skills
Executive Search, Human Resources, Leadership, Management, Management Consulting, Performance Management, Recruiting, Organizational..., Leadership Development

Education
Providence College   1990 — 1994
Bachelor, Accounting

Gregory Corlett Gregory Corlett Boise, Idaho Area Details
Gregory Corlett's Summit Mortgage Experience September 2003 - December 2005
Job Technical Support Specialist at Boise State University
Industry Information Technology and Services
Experience
Boise State University  July 2012 - Present
Corlett Data Services   June 2007 - Present
State of Idaho Department of Commerce   December 2008 - January 2012
Summit Mortgage   September 2003 - December 2005
Southbanc Mortgage  September 2002 - August 2003
Equity Guranty   June 2001 - August 2002
Information Network, Inc.   September 2000 - April 2001
Delta Dental Plan of Idaho   1998 - 2000
AFL-CIO Housing Investment Trust  1994 - 1998
Mitchell Systems Corporation   May 1991 - February 1994

Skills
System Administration, Network Administration, Telecommunications, Windows Server 2008, Windows Server 2003, Citrix, Windows 7, Windows XP Professional, Microsoft Operating..., Active Directory, Group Policy, PBX, Desktop Support, SQL Server, Exchange Server, Citrix Metaframe, Inventory Management, Policy/Procedure..., Integra Destiny, Delphi Discovery, Calyx Point, Windows Server, Microsoft Exchange, Disaster Recovery, XP, Microsoft SQL Server, Customer Service, Technical Support, Windows, Networking, Servers, Hardware, Security

Education
James Madison University   1987 — 1991
BBA, Computer Information Systems

Clare Lin Clare Lin Edison, New Jersey Details
Clare Lin's Summit Mortgage Experience June 2007 - June 2011
Job Senior mortgage originator at PNC Bank
Industry Banking
Experience
PNC  January 2013 - Present
Sovereign Bank  June 2011 - January 2013
Summit Mortgage   June 2007 - June 2011

Skills
Loans, Loan Origination, Credit Risk, Credit Analysis, Commercial Lending, Mortgage Lending, Mortgage Banking, Residential Mortgages, VA loans, FHA, Consumer Lending, Small Business Lending, Refinance, USDA, Construction Loans, Credit, Commercial Mortgages, Home Equity Loans, FHA financing, Banking, Cross Selling, Home Equity Lines of..., FHA Financing, VA Loans

Education
New England College   2007 — 2009
Master of Business Administration (MBA), Banking and Finance, A

Dawn Dawson Dawn Dawson Greater Boston Area Details
Dawn Dawson's Summit Mortgage Experience March 1998 - October 2007
Job VIce President of Mortgage Operations and Secondary Marketing at Metro Credit Union
Industry Financial Services
Experience
Metro Credit Union  September 2012 - Present
Mortgage Financial  May 2008 - August 2012
Summit Mortgage   March 1998 - October 2007

Skills
USDA, FHA, Mortgage Banking, Mortgage Lending, Refinance, VA, VA loans, FHA financing, Mortgage Underwriting, Home Equity Loans, Residential Mortgages, Credit, Underwriting, Real Estate, Investment Properties, Reverse Mortgages, Loans, First Time Home Buyers, Loan Origination, Mortgage Marketing, Residential Homes, Construction Loans, Credit Analysis, Commercial Lending, Real Estate Financing, Certified Mortgage..., Commercial Mortgages, Government Loans, Banking, Lines Of Credit, Mortgage Servicing, VA Loans

Education
Salem State College
Business Management

Richard Langley Richard Langley Lake Harmony, Pennsylvania Details
Richard Langley's Summit Mortgage Experience January 2006 - August 2008
Job REALTOR Century 21 Select Group
Industry Real Estate
Experience
Century 21 Select Group  January 2014 - Present
Pocono Resorts   February 2001 - June 2014
Summit Mortgage   January 2006 - August 2008
Norwest/Countrywide/Superior Mortgage   January 1985 - January 2006
Morale,Welfare and Recreation   November 1990 - November 1991
Capital Cigar and Candy Company   March 1984 - May 1985
Northern Virginia Community College  April 1979 - January 1982
United States Marine Corps  May 1977 - April 1979

Skills
Residential Homes, Real Estate, Single Family Homes, New Home Sales, First Time Home Buyers, Sellers, Investment Properties, Short Sales, Condos, Relocation, Buyer Representation, Foreclosures, Real Estate Transactions, Listings, Sales, Vacation Homes, Commercial Real Estate

Education
Temple University   1983 — 1984
Master's degree, Sports Administration

Norwich University   1973 — 1977
Bachelor's degree, Health and Physical Education/Fitness

Steven Dalia Steven Dalia Greater Philadelphia Area Details
Steven Dalia's Summit Mortgage Experience 2005 - 2007
Job Branch Manager at Approved Mortgage Group / Florida Capital Bank
Industry Financial Services
Experience
Approved Mortgage Group / Florida Capital Bank   January 2014 - Present
Guaranteed Rate Mortgage  August 2011 - Present
Summit Mortgage   2005 - 2007

Skills
Mortgage, Mortgage Lending, Loans, FHA, FHA financing, First Time Home Buyers, Refinance, Reverse Mortgages, VA loans, ARM, Sellers, Commercial Lending, Credit, Foreclosures, Construction Loans, FHA Financing, Real Estate, VA Loans

Education
Burlington County College

Jennifer Hardie Jennifer Hardie Greater Minneapolis-St. Paul Area Details
Jennifer Hardie's Summit Mortgage Experience November 2008 - April 2009
Job Sr. Underwriter at Guaranteed Rate
Industry Financial Services
Experience
Guaranteed Rate  June 2015 - Present
Dubuque Bank and Trust/Minnesota Bank and Trust   May 2013 - June 2015
Summit Mortgage Corporation  May 2009 - April 2013
River City Mortgage  April 2009 - May 2009
Summit Mortgage   November 2008 - April 2009
MidAmerica Mortgage   November 1995 - November 2008

Skills
Mortgage Banking, FHA, Refinance, Loan Origination, Mortgage Lending, Credit, USDA, Residential Mortgages, VA loans, FHA financing, Mortgage Underwriting, Home Equity Loans, Underwriting, Loans, Credit Analysis, FHA Financing, VA Loans

Education
St. Cloud State University   1992 — 1993

St. Francis High School   1989 — 1992

Mark Hesser, MBA Mark Hesser, MBA Greater Minneapolis-St. Paul Area Details
Mark Hesser, MBA's Summit Mortgage Experience February 2005 - February 2007
Job Mortgage Banker at Bell Mortgage
Industry Banking
Experience
Bell Mortgage, a Division of Bell State Bank & Trust   January 2007 - Present
United States Air Force/ Air National Guard  February 2011 - Present
Air National Guard  September 2013 - November 2014
Air National Guard  July 2014 - September 2014
133rd Airlift Wing   October 2005 - October 2011
The Marketing Animals   January 2007 - May 2011
MN-PRO   August 2007 - January 2009
Summit Mortgage   February 2005 - February 2007
Sound Mortgage Decisions   June 2001 - February 2005
Parts Associates, Inc.   February 1994 - June 2001

Skills
FHA, Refinance, Mortgage Lending, VA loans, Loans, Investment Properties, Real Estate, Mortgage Marketing, Real Estate Transactions, Mortgage Banking, Residential Mortgages, Reverse Mortgages, Government Loans, Real Estate Financing, HUD, Credit, Sellers, Sales, FHA financing, Construction Loans, Employee Training, USDA, First Time Home Buyers, Finance, Residential Homes, Single Family Homes, Home Equity Loans, Mortgage Underwriting, Training & Development, Referrals, Loan Origination, Public Speaking, Training, Strategic Leadership, P&L Management

Education
University of Minnesota - Carlson School of Management   2013 — 2015
Master of Business Administration (MBA), Business

USAF Air University   2000 — 2013
Air Command and Staff College, Squadron Officer School

USAF Air University   2006 — 2009
Certificate of completion, Air Command And Staff College

North Dakota State University   1989 — 1992
BS, University Studies

Community College of the Air Force   1985 — 1992
AS, Avionics

Prior Lake High School   1981 — 1985
diploma, high school stuff

Michelle Mitza Michelle Mitza Sebastian, Florida Details
Michelle Mitza's Summit Mortgage Experience June 2006 - November 2007
Job Cruise Vacation Specialist at Carnival Cruise Lines
Industry Leisure, Travel & Tourism
Experience
Carnival Cruise Lines  November 2007 - April 2014
Summit Mortgage   June 2006 - November 2007

Skills
Customer Service, Cruises, Event Management, Sales, Vacation, Outlook, Management, Marketing Strategy, Social Media, Microsoft Word, Loans, Sales Management, Social Networking, Marketing, Tourism, Travel Management, Social Media Marketing, Online Marketing, Advertising, Leadership, Recruiting, Online Advertising, Luxury Cruise, Public Speaking, Hospitality, value vacation, consumer sales, Consumer Behaviour, Travel Planning, Leisure Travel, Lead Generation, Guest Service Management, Guest Booking, Family Reunions, family travel, Honeymoons, Anniversaries, FHA financing, Residential Mortgages, Mortgage Underwriting, Mortgage Servicing, Mortgage Lending, Mortgage Compliance, Title Searches, Loan Closings, VA loans, Consumer Lending, Banking, Retail Banking, Customer Satisfaction

Education
Eastern Florida State College   2014 — 2016
Associate of Arts and Sciences (AAS)

Quincy College   1990 — 1991
Certificate, Computer operations certificate

Woodward School for Girls   1980 — 1984
High School Diploma, College/University Preparatory and Advanced High School/Secondary Diploma Program

Wendy Kirchick Wendy Kirchick Greater Boston Area Details
Wendy Kirchick's Summit Mortgage Experience 2002 - 2006
Job Senior Loan Officer, J.D (Law) & LLM (Masters of Law) Financial Services at Loan Depot / Mortgage Master
Industry Financial Services
Experience
Loan Depot / Mortgage Master   2007 - Present
Summit Mortgage   2002 - 2006
Human Rights Campaign  1995 - 2006
Kelley Drye & Warren LLP  1996 - 1999
Federal Communications Commission  1994 - 1996
Hill Wynne Troop & Meisinger  1989 - 1993

Skills
Mortgage Lending, Loans, Credit, Mortgage Banking, FHA, Residential Mortgages, Refinance, Real Estate, Investment Properties, Financial Services, Loan Origination, Insurance, FHA financing

Education
Boston University   1993 — 1994
Graduate School of Communications

Boston University School of Law   1988 — 1989
LLM, Banking and Financial Services

Boston University School of Law   1984 — 1987
JD (cum laude), Law

University of Massachusetts, Amherst   1981 — 1983
B.A., Sociology

The Vershire School   1977 — 1978
HS diploma

Wheatley

Sarah A Lagattolla Sarah A Lagattolla Greater Boston Area Details
Sarah A Lagattolla's Summit Mortgage Experience 2006 - 2007
Job VP, Quality Control Services Director
Industry Financial Services
Experience
Bankers Advisory, A CliftonLarsonAllen LLP Division   January 2011 - Present
Mortgage Master  December 2007 - January 2011
Summit Mortgage   2006 - 2007
The New York Mortgage Company  2001 - 2006
Beneficial  1997 - 2000

Skills
Mortgage Lending, FHA, Refinance, Residential Mortgages, Credit, USDA, Underwriting, VA loans, Credit Risk, FHLMC, Mortgage Underwriting, Loans, Mortgage Banking, Non-Conforming, Certified Mortgage..., Credit Analysis, Home Equity Lines of..., FHA financing, Mortgage Servicing

Education
State University of New York College at Plattsburgh   1993 — 1997

Doug Hunt Doug Hunt Greater Minneapolis-St. Paul Area Details
Doug Hunt's Summit Mortgage Experience June 2010 - June 2011
Job Mortgage Consultant
Industry Financial Services
Experience
Mortgages Unlimited  June 2011 - Present
Summit Mortgage   June 2010 - June 2011
River City Mortgage  March 2009 - May 2010
American Mortgage  December 1999 - March 2009
Air National Guard  1990 - 2001

Skills
Residential Mortgages, FHA, Mortgage Lending, Loan Origination, Refinance, Loans, Mortgage Banking, Finance, VA loans, FHA financing, Government Loans, First Time Home Buyers, Investment Properties, USDA, Reverse Mortgages, Small Business, Credit, Sales

Education
Universtiy of Minnesota   1987 — 1991
Bachelor of Arts (B.A.), International Relations and Affairs

University of Minnesota-Twin Cities   1986 — 1991
B of Arts, International Relations

David Beecher David Beecher Las Vegas, Nevada Details
David Beecher's Summit Mortgage Experience August 2008 - December 2011
Job Experienced IT Systems Manager
Industry Information Technology and Services
Experience
IGT  June 2015 - Present
Global Cash Access  June 2014 - November 2014
Newave Inc   June 2013 - June 2014
Terrible Herbst Inc   January 2012 - March 2013
Summit Mortgage   August 2008 - December 2011
Terrible Herbst Inc   October 2005 - April 2008
Terrible Herbst Inc   October 2005 - July 2006
Aircraft Marketing LTD   February 2003 - November 2005
Tele Lawyer   July 2002 - December 2002

Skills
Requirements Analysis, Computer Hardware, Business Analysis, Customer Relations, HTML, CSS, Customer Service, Microsoft Exchange, Networking, Security, Servers, Technical Support, Troubleshooting, Firewalls, Data Center, Software Installation, Active Directory, Management, Databases

Education
University of Nevada, Las Vegas   1999 — 2001
BSBA, Managment of Information Services

Community College of Southern Nevada   1997 — 1998
None, Attended for transfer credits

Christopher Gregory Christopher Gregory Houston, Texas Area Details
Christopher Gregory's Summit Mortgage Experience January 2001 - February 2003
Job Vice President of IT Strategic Solutions at DXP Enterprises, Inc.
Industry Information Technology and Services
Experience
DXP Enterprises, Inc.   May 2006 - Present
BindView  September 2005 - January 2006
RBC Builder Finance  July 2003 - May 2005
Summit Mortgage   January 2001 - February 2003
Heritage Health Systems  April 1997 - January 2001

Skills
SSRS, Microsoft SQL Server, Process Improvement, Business Intelligence, Business Analysis, Crystal Reports, SharePoint, Visio, SQL, Data Analysis, Access, Project Management, Analysis, Strategic Planning, Databases, Strategy, MS Project, Software Documentation, Troubleshooting, Vendor Management, Microsoft Project, Management

Education
The University of Texas at Austin - Red McCombs School of Business
Master of Business Administration (MBA)

University of Houston-Downtown
Bachelor of Business Administration (BBA), Management Information Systems, General

Dan Toomey Dan Toomey Belmont, Massachusetts Details
Dan Toomey's Summit Mortgage Experience October 1999 - October 2007
Job Sr Loan Officer/ Manager at Mortgage Master, Inc
Industry Financial Services
Experience
Mortgage Master  November 2007 - Present
Summit Mortgage   October 1999 - October 2007
Bank of America  December 1995 - December 1999
Cambridgeport Bank  December 1991 - December 1995
Shawmut Mortgage   1989 - 1991

Skills
FHA, Mortgage, First Time Home Buyers, Mortgage Banking, Refinance, Mortgage Lending, FHA financing, Residential Mortgages, Finance, USDA, Loan Origination, Loans, Government Loans, VA loans, Certified Mortgage..., Reverse Mortgages, Construction Loans, Home Equity Loans, Real Estate Financing, Home Equity Lines of..., Investment Properties, Credit, Real Estate Transactions, Real Estate, Investors, Credit Analysis, Banking, Mortgage Underwriting, Investments

Education
Colby College   1980 — 1984
Bachelor of Arts (BA), Mathematics / finance

Douglas J. Cochrane Douglas J. Cochrane Los Angeles, California Details
Douglas J. Cochrane's Summit Mortgage Experience January 2001 - October 2007
Job SVP of Acquisitions & Underwriting at Patch of Land WE ARE HIRING
Industry Real Estate
Experience
Patch of Land  May 2014 - Present
City Point Capital   September 2012 - May 2014
Self Employed  2008 - August 2012
First New England Mortgage  January 2008 - September 2008
Summit Mortgage   January 2001 - October 2007
Fuxito Worldwide, Inc.   March 2000 - January 2001
Assurance Mortgage Corporation of America   June 1996 - February 2000
United Data Services   1992 - 1996
Second Half Enterprises   1991 - 1994

Skills
Real Estate, Investment Properties, Marketing, Sales, Residential Homes, Real Estate Transactions, Real Estate Financing, Investors, Selling, Real Estate Development, First Time Home Buyers, Mortgage Banking, Mortgage Lending, Sales Management, Sales Presentations, Business Development, Inside Sales, Outside Sales, Real Estate Negotiating, Crowdfunding, Real Estate Crowdfunding, Loans, FHA, Loan Origination

Education
Fordham University   1983 — 1985
B.A., Communications

SUNY Farmingdale   1981 — 1983
Associate of Arts (A.A.), Liberal Arts and Sciences/Liberal Studies

Benjamin Pfabe Benjamin Pfabe Washington D.C. Metro Area Details
Benjamin Pfabe's Summit Mortgage Experience July 2005 - June 2006
Job Account Executive at Crosby~Volmer International Communications
Industry Public Relations and Communications
Experience
Crosby~Volmer International Communications  April 2008 - Present
Crosby~Volmer International Communications  January 2008 - April 2008
Summit Mortgage   July 2005 - June 2006
Smart GmbH   August 2002 - November 2002

Education
George Mason University   2006 — 2008

Albert Einstein Gymnasium   1989 — 2000
Abitur

Diana Carter Diana Carter Greater Minneapolis-St. Paul Area Details
Diana Carter's Summit Mortgage Experience 1992 - Present
Job Owner, Summit Mortgage Corporation
Industry Financial Services
Experience
Summit Mortgage Corporation  June 1992 - Present
Summit Mortgage   1992 - Present
WinStar Mortgage   2001 - 2007

Education
St. Cloud State University

Ryan LaVangie Ryan LaVangie Greater Boston Area Details
Ryan LaVangie's Summit Mortgage Experience February 2006 - October 2007
Job Senior Vice President of Sales and Marketing at Vantage Builders, Inc.
Industry Construction
Experience
Vantage Builders, Inc.   June 2014 - Present
Kimball Office  September 2012 - June 2014
Kimball Office  September 2011 - October 2012
AIS  January 2009 - August 2011
Haworth  October 2007 - December 2008
Summit Mortgage   February 2006 - October 2007
CTX Mortgage  2004 - 2006
Office Environments of New England  August 1997 - June 2004

Skills
New Business Development, Project Management, Sales, Sales Management, Account Management, Cold Calling, Furniture, Contract Negotiation, Marketing Strategy, Strategic Planning, Customer Service, Interior Design, Negotiation, Pricing, Marketing, Strategy, Selling, Sales Process, Business Development, Sales Operations, B2B, Sales Presentations, Salesforce.com, Team Building, Key Account Management, Solution Selling, Lead Generation, Direct Sales, Leadership, Product Development, Strategic Partnerships, CRM, Product Marketing, Management

Education
University of Massachusetts at Amherst - Isenberg School of Management   1993 — 1997
School of Management, Marketing

University of Massachusetts, Amherst   1993 — 1997
SOM, Marketing

Marshfield

Mike Zahler Mike Zahler Greater Minneapolis-St. Paul Area Details
Mike Zahler's Summit Mortgage Experience May 2010 - April 2012
Job Flagstar Bank 50 state loan originator
Industry Financial Services
Experience
Flagstar Bank  December 2013 - Present
Nationstar Mortgage Retail  April 2012 - December 2013
Summit Mortgage   May 2010 - April 2012
River City Mortgage (fka American Mortgage Corp 1999-2009   December 1993 - September 2010

Skills
Mortgage Lending, FHA, Refinance, Mortgage Banking, Loan Origination, Loans, Residential Mortgages, First Time Home Buyers, Investment Properties, Credit, USDA, VA loans, Reverse Mortgages, FHA financing, Government Loans, Underwriting, Mortgage Underwriting, REO, Real Estate Financing, Construction Loans, Mortgage Marketing, Home Equity Lines of..., Loan Servicing, Home Equity Loans, Certified Mortgage..., Rates, Credit Analysis, Real Estate Economics

Education
Saint John's University   1974 — 1978

Rich Clayton Rich Clayton Greater Boston Area Details
Rich Clayton's Summit Mortgage Experience 2003 - 2007
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

Tim Rayford Tim Rayford Greater Minneapolis-St. Paul Area Details
Tim Rayford's Summit Mortgage Experience March 2008 - Present
Job SENIOR LOAN SPECIALIST at Summit Mortgage
Industry Banking
Experience
Summit Mortgage   March 2008 - Present

Education
University of Minnesota-Twin Cities

Shawnta Cook Shawnta Cook Washington D.C. Metro Area Details
Shawnta Cook's Summit Mortgage Experience November 2003 - February 2007
Job Accounting Specialist at McClendon Corporation
Industry Defense & Space
Experience
McClendon LLC  September 2006 - Present
Summit Mortgage   November 2003 - February 2007
Ampro Financial Services   November 2002 - November 2003
First American Field Services  June 2002 - November 2002
Network Access Solutions  December 2001 - June 2002
Servus Financial Corporation  May 1999 - May 2001

Education
Northern Virginia Community College
A.S, Business Administration

Stratford University
B.S, Accounting

Tom Shewalter Tom Shewalter Greater Boston Area Details
Tom Shewalter's Summit Mortgage Experience May 2005 - November 2007
Job Loan Officer at Mortgage Master
Industry Banking
Experience
Mortgage Master  October 2007 - Present
Masters Mortgage, Inc.   October 2007 - Present
Summit Mortgage   May 2005 - November 2007

Skills
USDA, FHA financing, FHA, Mortgage Banking, Refinance, Credit, Mortgage Lending, Certified Mortgage..., First Time Home Buyers, Loan Origination, Underwriting, Reverse Mortgages, Construction Loans, Loans, VA loans, Residential Mortgages, Portfolio Management, FHA Financing, VA Loans

Education
The Ohio State University   1981 — 1985
BS, Economics

Dan Roeber Dan Roeber Greater Minneapolis-St. Paul Area Details
Dan Roeber's Summit Mortgage Experience July 2008 - December 2008
Job Executive Mortgage QA Analyst
Industry Financial Services
Experience
Wells Fargo Home Mortgage  December 2014 - Present
Wells Fargo Home Mortgage  October 2013 - December 2014
Wells Fargo Home Mortgage  May 2012 - October 2013
Citi  January 2009 - May 2012
Summit Mortgage   July 2008 - December 2008
Countrywide  November 2005 - July 2008
beloit snappers   April 2005 - September 2005

Skills
Loans, Mortgage Banking, Mortgage Lending, Loan Origination, Credit, Credit Analysis, Refinance, Consumer Lending, Customer Service, Sales, Banking, Residential Mortgages, FHA, Microsoft Word, Selling, Microsoft Excel, Negotiation, Finance, Mortgage Servicing, Loss Mitigation, Lines Of Credit, VA loans, Loan Servicing, FHA financing, Cross Selling, Debt Consolidation, Home Equity Loans, Home Equity Lines of..., Credit Risk, Account Management, Financial Analysis, Investment Properties, USDA

Education
Minnesota State University, Mankato   2001 — 2005
B.S., Sports Management / Marketing

Benjamin Marks Benjamin Marks Washington D.C. Metro Area Details
Benjamin Marks's Summit Mortgage Experience August 2002 - August 2008
Job First Vice President CBRE
Industry Financial Services
Experience
CB Richard Ellis  June 2011 - Present
Leveraged Equity Holdings Group   January 2008 - Present
Leveraged Equity Holdings Group, LLC   January 2008 - Present
Summit Mortgage   August 2002 - August 2008

Skills
Sellers, Real Estate, Commercial Real Estate, Mergers & Acquisitions, Valuation, Residential Homes, Asset Management, Property, Portfolio Management, Real Estate Development, First Time Home Buyers, Management, Real Estate Transactions, Disposition, Financial Structuring, Real Estate Economics, Investment Properties, Finance, Leases, Commercial Mortgages, Location Intelligence, Brokerage, Corporate Real Estate, Real Estate Financing, Landlords, Investors, Property Management, Tenant, Appraisals, Land Acquisition, Dispositions

Education
The George Washington University   1995 — 1999
International Economics & Finance:, Economics, Finance, Political Science, Psychology

Leonardo Crisostomo Leonardo Crisostomo Greater Boston Area Details
Leonardo Crisostomo's Summit Mortgage Experience April 2004 - July 2007
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

Roger Seigal Roger Seigal Greater Boston Area Details
Roger Seigal's Summit Mortgage Experience March 2006 - October 2007
Job Loan Officer NMLS#21057 at Residential Mortgage Services, Inc. NMLS ID#1760
Industry Real Estate
Experience
Loan Officer NMLS# 21057 Residential Mortgage Services, Inc.   July 2014 - Present
Monument Mortgage  October 2007 - July 2014
Summit Mortgage   March 2006 - October 2007
HomeVest Mortgage  April 2003 - March 2006
Sherwood Mortgage  January 2001 - April 2003

Skills
Government Loans, VA loans, Credit, Loans, Loan Origination, Refinance, Mortgage Lending, FHA financing, Mortgage Banking, FHA, USDA, Residential Mortgages, Investment Properties, Credit Analysis, Real Estate, Rates, Finance

Education
Northeastern University   1980 — 1982
BS, Criminal Justice

Worcester State University   1978 — 1979

DeeAnn Guzman DeeAnn Guzman Dallas/Fort Worth Area Details
DeeAnn Guzman's Summit Mortgage Experience January 2004 - September 2005
Job Underwriter / Sr Loan Processor
Industry Banking
Experience
Wells Fargo Home Mortgage  August 2010 - February 2011
AMCAP Mortgage Bank  October 2009 - August 2010
Liberty Residential Mortgage Company   September 2005 - September 2009
Summit Mortgage   January 2004 - September 2005
Sterling Capital Mortgage  1992 - 2003

Education
Dallas County Community College   1991 — 1992

Bryan LeVau Bryan LeVau Richmond, Virginia Area Details
Bryan LeVau's Summit Mortgage Experience June 2012 - April 2013
Job Processor at Summit Mortgage
Industry Banking
Experience
Capital One  April 2013 - January 2014
Summit Mortgage   June 2012 - April 2013
Tradesmen International, Inc.   May 2010 - June 2012
SunTrust Bank  May 2007 - July 2009
loan modification team   2009 - 2009
countrywide  2004 - 2007

Skills
Team Building, Process Scheduler, Sales, Contract Management, Account Management, Negotiation, Customer Service, Leadership, Management, Project Planning, Microsoft Office, Microsoft Excel, Construction, Supervisory Skills, New Business Development, Recruiting, Training, PowerPoint, Business Development, Outlook, Purchasing, Sales Operations, Microsoft Word, Risk Management, Coaching, Project Management, Marketing, Customer Satisfaction, Team Leadership, Process Improvement, Construction Management, Inventory Management, Forecasting, Java, JCL, TSO, IBM Mainframe

Education
John Tyler Community College   2003 — 2005
Associate of Arts and Sciences (AAS)

University of Richmond
Bachelor’s Degree, Computer Science

Melissa Cramer Melissa Cramer West Coxsackie, New York Details
Melissa Cramer's Summit Mortgage Experience March 2005 - December 2005
Job ...
Industry Hospital & Health Care
Experience
ALBANY MEDICAL CENTER  October 2014 - Present
Toyota Financial Services  August 2012 - March 2014
Bakline Inc.   January 2012 - January 2013
Mercy Medical Center, Cedar Rapids IA   June 2011 - August 2012
Vanderbilt University Medical Center  December 2007 - August 2010
NYS Department of Health  January 2006 - July 2007
Summit Mortgage   March 2005 - December 2005

Skills
Customer Service, Event Planning, Healthcare, Microsoft Excel, Microsoft Word, Sales

Education
The Sage Colleges-Sage Graduate School   2015 — 2018
Master’s Degree, Health Services Administration

Belmont University   2008 — 2010
Bachelor's degree, Liberal Arts and Sciences/Liberal Studies

Erica Garza Erica Garza Houston, Texas Area Details
Erica Garza's Summit Mortgage Experience 1997 - 2006
Job Project Accountant Supervisor at Pentair Thermal Management
Industry Accounting
Experience
Pentair Thermal Management  February 2007 - Present
Aegis Mortgage  May 2006 - February 2007
Summit Mortgage   1997 - 2006

Skills
Accounting, General Ledger, Financial Accounting, Financial Reporting, Auditing

Education
University of Houston
Bachelors, Accounting

Jim Gleekel Jim Gleekel Greater Minneapolis-St. Paul Area Details
Jim Gleekel's Summit Mortgage Experience 2006 - 2008
Job Licensed Senior Mortgage Planner at American Mortgage and Equity Consultants
Industry Financial Services
Experience
American Mortgage and Equity Consultants  July 2009 - Present
American Mortgage and Equity Consultants  July 2009 - Present
Business Breakthhroughs International   2011 - 2011
Marketplace Home Mortgage  June 2008 - July 2009
Summit Mortgage   2006 - 2008

Education
Northwood University   1985 — 1987
Bachelors, Marketing/ Management

St Louis Park High School   1977 — 1981
graduate

Talmud Torah

Carlos Perez Jr. Carlos Perez Jr. Wichita, Kansas Area Details
Carlos Perez Jr.'s Summit Mortgage Experience 2000 - 2004
Job Director of Basketball Operations at Next Level Hoops Academy
Industry Sports
Experience
Next Level Hoops Academy   May 2011 - Present
Fort Scott Community College  July 2010 - May 2011
Summit Mortgage   2000 - 2004

Education
Sul Ross State University   2007 — 2009
MBA, Education in Physical Education

Ben Meador Ben Meador Minneapolis, Minnesota Details
Ben Meador's Summit Mortgage Experience June 2008 - November 2011
Job Loan Officer at American Mortgage and Equity Consultants, Inc.
Industry Financial Services
Experience
American Mortgage and Equity Consultants, Inc.   November 2011 - Present
Summit Mortgage   June 2008 - November 2011

Education
University of Minnesota-Twin Cities
Economics