The Citizens Bank
Industry: Bank
DescriptionCitizens Financial Group, Inc. is an American bank headquartered in Providence, Rhode Island, which operates in the states of Connecticut, Delaware, Maine, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island and Vermont. Customer service: 1 (800) 922-9999 Headquarters: Providence, RI CEO: Bruce Van Saun Revenue: 5.256 billion USD (2016) Parent organization: Citizens Financial Group Inc Subsidiaries: Citizens Securities, Inc,
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The Citizens Bank Employees
Speak Creative, LLC May 2014 - Present
Mississippi State University July 2012 - April 2014
Mississippi State University September 2011 - July 2012
Technology Resource Institute, Mississippi State University January 2011 - June 2011
Mississippi State University. College of Business August 2008 - May 2009
The Citizens Bank March 2004 - August 2008
Skills
Fundraising, Leadership, Community Outreach, Higher Education, Human Resources, Admissions, Public Speaking, Budgets, Public Relations, Research, Marketing, Advertising, Social Media, Student Affairs, PowerPoint, Event Planning, Student Development, Editing, Microsoft Excel, Data Analysis, Facebook, Microsoft Office, Microsoft Word
Education
Mississippi State University 2010 — 2011
Master of Business Administration, Business Administration
Mississippi State University 2008 — 2010
Bachelor of Business Administration, Marketing
Meridian Community College 2006 — 2008
Associate of Arts
The Citizens Bank March 2014 - Present
Adams Outdoor Advertising December 2012 - April 2013
Skills
Microsoft Office, Customer Service, PowerPoint, Microsoft Word, Public Speaking, Social Media, Sales, Account Management, Marketing Strategy, Social Media Marketing, Data Analysis, Advertising, Marketing, Online Marketing, Event Planning, Market Research, New Business Development, Direct Marketing, Salesforce.com, Marketing Communications, Social Networking, Public Relations, Cold Calling, Management, Sales Management, Advertising Sales, Sales Presentations, Direct Sales, Lead Generation, Integrated Marketing, Training, Online Advertising, Time Management, Leadership, Event Management, Customer Satisfaction
Education
Francis Marion University 2007 — 2012
Bachelor of Business Administration (BBA), Marketing
Performance Contractors, Inc. March 2014 - Present
ZCL Composites Inc. February 2013 - January 2014
Brock Services, Ltd. November 2012 - March 2013
The Citizens Bank January 2012 - November 2012
DaVita November 2001 - January 2007
Skills
Financial Analysis, Microsoft Excel, Accounting, Accounts Receivable, Accounts Payable, Microsoft Office, Process Improvement, Customer Service, Banking, Microsoft Word, Team Building, Operations Management, Strategic Planning, Leadership, Purchasing, Contract Management, Sales, Process Scheduler, Construction, Construction Management
Education
East Central Community College 2000 — 2012
Business
Meridian Community College
Business Administration and Management, General
BB&T December 2007 - Present
The Citizens Bank February 1998 - December 2007
Skills
Mortgage Lending, Loans, Credit, Loan Origination, Mortgage Banking, Refinance, Credit Analysis, FHA, Banking, Residential Mortgages, VA loans, USDA, FHA financing, Retail Banking, Construction Loans
Education
College of Charleston
Winthrop University
Dickinson Financial Corporation - Academy Bank, a division of Armed Forces Bank September 2013 - Present
The Citizens Bank July 2010 - September 2013
Guaranty Bank & Trust Company March 2007 - July 2010
Regions Financial Corporation January 2002 - March 2007
Walmart January 1983 - July 1993
Skills
Banking, Credit Analysis, Loans, Credit, Commercial Lending, Commercial Banking, Financial Risk, Portfolio Management, Small Business Lending, Asset Based Lending, Finance, Credit Risk, Consumer Lending, Loan Origination, Deposits, Private Banking, Branch Management, Lines Of Credit, Commercial Mortgages, Branch Banking, Mortgage Lending, Mergers & Acquisitions, SBA, Cash Management, Retail Banking, Financial Institutions, Cash Flow Lending, Construction Loans, Bank Secrecy Act, Financial Structuring, Internet Banking, Underwriting, Leadership, Employee Training, Team Building, Collections, ALLL, Credit Management, Financial Analysis, Risk Management, Analysis
Education
LSU Graduate School of Banking 2009 — 2011
Graduate, Banking
Northeastern State University 1997 — 1999
Bachelor of Business Administration (B.B.A.), Finance
Fort Scott Community College 1995 — 1997
Associates of Science Degree
RMA 2013 — 2014
Credit Under-writing, Business Tax Return Analysis, Global Cash Flow, Credit Manager Forum
SBA Cash Flow Essentials
Cash Flow and Loan Structuring
North Greenville University August 2013 - Present
The Citizens Bank May 2013 - Present
Skills
PowerPoint, Microsoft Office, Social Studies
Education
North Greenville University 2013 — 2016
Social Studies Teacher Education
East Clarendon High School 2008 — 2012
The Kraft Heinz Company July 2014 - Present
Hot Mama's Foods - Custom Gourmet Solutions (OTC: HOTF) February 2014 - July 2014
Nestle USA Pizza Division July 2013 - February 2014
Bluegrass Dairy and Food January 2013 - May 2013
University of Kentucky Food Systems Innovation Center February 2012 - May 2013
Continental Mills May 2011 - July 2011
The Pictsweet Company June 2010 - August 2010
The Citizens Bank May 2006 - August 2009
Skills
Sensory Evaluation, Microsoft Office, Raw Materials Workplace, Laboratory Experience, Travel Experience, Communication, Food Science, Social Networking, Research, Training, Public Relations, Manufacturing, Time Management
Education
University of Kentucky 2009 — 2013
Bachelor of Science, Food Science
The Citizens Bank February 2014 - Present
Regions Financial Corporation March 1995 - February 2014
Skills
Loans, Mortgage Lending, Credit, Loan Origination, Credit Analysis, Consumer Lending, Mortgage Banking, Banking, Commercial Lending, Refinance, FHA, Small Business Lending, Commercial Mortgages, Commercial Banking, Investment Properties, Lines Of Credit
Education
The University of Southern Mississippi
Bachelor of Business Administration (BBA)
Marshalls Marine February 2015 - Present
Committee to Elect Roger Kirby SC House Dist 61 April 2014 - Present
The Citizens Bank January 2010 - February 2015
South Carolina House of Representatives January 2006 - December 2009
Skills
Customer Service, Financial Analysis, Investments, Microsoft Office, Risk Management, Banking, PowerPoint, Real Estate, Sales, Microsoft Word
Education
South Carolina Bankers School 2014 — 2016
Banking
University of South Carolina-Columbia 2006 — 2009
B.A., Political Science & Business Administration
Walmart June 2013 - Present
Walmart Stores, Inc July 2012 - June 2013
Walmart.com March 2012 - July 2012
Metropolitan National Bank November 2009 - March 2012
The Citizens Bank August 2008 - August 2009
Medical Park Orthopedic Clinic March 2007 - January 2008
Skills
Microsoft Office, Outlook, Excel, PowerPoint, Spreadsheets, 10 Key, Banking, Customer Relations, Customer Service, Customer Satisfaction, Customer Experience, Team Leadership, Team Management, Global Recruiting..., PeopleSoft, HOST, Remedy, Acxiom, Microsoft Excel, Microsoft Word, Team Building, Human Resources, Inventory Management, Business Analysis, Training, Applicant Tracking..., Budgets, Retail, Interviews, Analysis, Recruiting, Strategic Planning, Employee Benefits, Hiring, Data Entry, Management, Project Management
Education
University of Arkansas-Fort Smith
Associates Degree, Health Science
Community Bancshares,Inc. February 2015 - Present
Community Bancshares,Inc. January 2011 - February 2015
The Citizens Bank August 2009 - January 2011
AuburnBank May 2008 - July 2009
Cadence Bank, N.A. June 2006 - April 2008
Skills
Credit Risk, Portfolio Management, Credit Analysis, Strategic Planning, Commercial Banking, Financial Analysis, Risk Management, Private Banking, Banking, Loans, Commercial Lending, Financial Risk, Underwriting, Small Business Lending, Consumer Lending
Education
Mississippi State University - College of Business and Industry 2002 — 2007
BBA, Banking & Finance
Mississippi School of Banking 2008 — 2009
Certificate, General Banking Studies
Mississippi State University 2002 — 2007
BBA, Banking & Finance
The Citizens Bank January 2015 - Present
The Citizen's Bank December 2009 - December 2014
The Citizen's Bank June 2008 - December 2009
ARAMARK May 2007 - May 2008
Kentucky Bank 2005 - 2007
Skills
Customer Service, Leadership, Public Speaking, Marketing, Sales, Public Relations, Sales Management, Analysis, Strategic Planning, Social Networking
Education
Morehead State University 2007 — 2009
Masters, Business Administration
Morehead State University 2002 — 2006
Bachelor of Business Administration (B.B.A.), Business Administration and Management, General
Total Quality Logistics November 2013 - Present
Total Quality Logistics May 2013 - November 2013
The Citizens Bank April 2012 - May 2013
Kroger August 2004 - May 2013
Skills
3PL, Logistics Management, Logistics, Freight, Transportation, Transportation..., Truckload, LTL, Shipping, Trucking, Supply Chain, Warehousing, Supply Chain Management, FTL, Freight Forwarding, Customer Service, Account Management
Education
Morehead State University 2006 — 2010
Bachelor's degree, Mathematics and Science
Northern Kentucky Area Development District June 2013 - Present
Morehead State University August 2012 - Present
The Citizens Bank August 2012 - June 2013
Montgomery County High School 2012 - 2013
Nicholas County High School August 2009 - August 2012
East End Food Mart June 2007 - August 2010
Skills
Community Outreach, PowerPoint, Public Speaking, Teaching, Microsoft Word, Microsoft Office, Social Media
Education
Morehead State University 2011 — 2013
Master of Arts (M.A.), Sociology
Morehead State University 2006 — 2011
Bachelor of Arts (BA), Social Studies
The Citizens Bank June 2007 - Present
Skills
Credit, Commercial Lending
Education
Graduate School of Banking at LSU 2011 — 2013
Morehead State University 1987 — 2002
Bachelor's degree
The Citizens Bank November 2011 - October 2012
Bank of America February 2007 - November 2011
Wachovia Mortgage June 2005 - February 2007
Wells Fargo Home Mortgage May 2004 - June 2005
SC Telco Federal Credit Union February 1999 - January 2004
Skills
Mortgage Lending, Loan Origination, Credit, Sales Management, Residential Mortgages, FHA financing, Loans, FHA, Credit Analysis, First Time Home Buyers, Mortgage Banking, Microsoft Office
Education
Francis Marion University
Bachelor of Business Administration (BBA), Finance
United States Postal Service September 2015 - Present
AT&T September 2014 - July 2015
Thomasson Company October 2012 - March 2014
Cadence Bank, N.A. August 2012 - October 2012
The Citizens Bank July 2007 - May 2012
Skills
Computer Maintenance, Microsoft Office, Mobile Technology, Typing, Filing, Computer Hardware, Financial Accounting, PowerPoint, Customer Service, Process Improvement, Banking, Strategic Planning, Microsoft Excel, Inventory Management, Microsoft Word, Troubleshooting, Technical Support, Social Networking, Budgets, Management, Sales
Education
Mississippi State University 1996 — 1998
Bachelor's degree, Educational/Instructional Technology
East Central Community College 1994 — 1996
Associate of Science (A.S.), Education
Philly High
Citizens National Bank - Meridian, MS August 2011 - Present
The Citizens Bank March 2009 - August 2011
Trustmark National Bank October 1999 - March 2009
Skills
Banking, Commercial Banking, Commercial Lending, Construction Loans, Consumer Lending, Credit, Credit Analysis, Credit Risk, Customer Service, Financial Analysis, Financial Risk, Financial Services, Insurance, Leadership, Leadership Development, Lines Of Credit, Loan Origination, Loans, Management, Microsoft Excel, Mortgage Lending, Portfolio Management, Sales Management, Small Business Lending, Strategic Planning, Underwriting
Education
Graduate School of Banking at LSU 2005 — 2007
Diploma, Banking and Finance
Vanderbilt University - Owen Graduate School of Management 2003 — 2004
Advanced Commercial Services Diploma, Banking and Finance
Mississippi State University - College of Business and Industry 1996 — 1997
Business Administration
Trans-Global Products, Inc. February 2008 - Present
UBS Home Finance 2006 - 2007
The Mortgage Warehouse August 2005 - November 2006
The Citizens Bank August 2003 - August 2005
Skills
Mortgage Lending, Financial Analysis, Accounting, Financial Reporting, Internal Controls, Auditing, Credit, Risk Management, Leadership, Financial Modeling, Variance Analysis, Finance, Journal Entries, Management, Banking, Strategic Planning, Sales Management, Budgets, Customer Service, Forecasting
Education
University of Tampa - John H. Sykes College of Business 2007 — 2009
MBA, Accounting
Millsaps College 1998 — 2002
Bachelor of Business Administration (BBA)
BNSF Railway June 2015 - Present
The Citizens Bank June 2011 - August 2012
Skills
Java, SAP ERP, Microsoft SQL Server, Teradata, Eclipse, NetBeans, VB.NET, Visual Studio, Agile Methodologies, Scrum, MKS Integrity, BMC Remedy User
Education
University of Arkansas 2011 — 2015
Bachelor of Science Business Administration, Information Systems
Batesville High School 2008 — 2011
Quality Correctional Health Care June 2010 - Present
The Citizens Bank January 2007 - May 2010
Skills
Banking, Financial Analysis, Program Management, Budgets, Cash Flow, Management, Healthcare, Contract Negotiation, Accounting, Forecasting, Finance, Loans, Government, Insurance
Education
Arkansas State University 2002 — 2006
Finance, Real Estate
CareTech Solutions October 2007 - Present
Ford Motor Company August 2005 - October 2007
The Citizens Bank August 1998 - July 2005
Skills
Team Leadership, Netscaler, VMware Infrastructure, VDI, Citrix, Project Planning, Architecture, Virtualization, Windows Server, VMware, Project Delivery, Microsoft Exchange, Lync, Server Architecture, SCCM, System Deployment, Architectures, Disaster Recovery, Citrix Metaframe, vSphere, IIS, Microsoft Technologies, SharePoint, Active Directory, System Administration, VMware vSphere, Troubleshooting
Education
Franklin University 2000 — 2004
Bachelor of Science (B.S.), Information Technology, Magna Cum Laude
Belmont Technical College 1995 — 1999
Associate's degree, Computer Programming
Ohio University
Total Quality Logistics January 2015 - Present
Total Quality Logistics December 2013 - December 2014
Total Quality Logistics December 2011 - December 2013
Total Quality Logistics April 2009 - December 2011
The Citizens Bank January 2008 - May 2008
Best Buy Inc September 2003 - August 2004
Education
Marietta College 2004 — 2008
Bachelors, Marketing, Finance, Advertising
Penn Trafford High School 2000 — 2004
The Citizens Bank December 2013 - Present
Community Bank & Trust June 2013 - December 2013
UMB Bank June 2008 - March 2013
Skills
Mortgage Lending, Banking, Commercial Lending, Small Business Lending, Portfolio Management, Commercial Banking, Credit, Credit Analysis, Mortgage Banking, Financial Analysis, Lines Of Credit, Mortgage Loan Closer, Secondary Market..., Bank Credit Analyst, Credit Risk Assessment, Review Appraiser, Mortgage Lending Manager, Investor Relations, Public Speaker, TV and..., Published Author, Cost Accountant, Inventory Control, Tax Return Analysis, Customer Relations, Educator, Leadership Coach, Golf Teacher/Instructor, Board Member for Non..., Seminar Host &..., Excellent at Customer..., Accountant, Leadership
Education
Central Missouri State University 1973 — 1975
Master of Business Administration (MBA), Investments & Finance
Central Missouri State University 1970 — 1975
BSBA, Accounting
True P.I.E.C.E.S.,Inc. Non-Profit Organization CEO & FounderTrue Vine, LLCApril 2013 - Present
Educational Treasures, LLC December 2012 - Present
Tower Loan March 2012 - June 2012
The Citizens Bank June 2012 - 2012
Beauty Mall May 2007 - May 2009
Skills
Basic Office Skills, Planning and Organizing, Good Communication and..., Computer/Technical..., Microsoft Office, Leadership Counseling, Management Skills
Education
Liberty University 2012 — 2013
Master's of Human Services, Youth Ministry/Leadership/Marriage and Family Counseling
University of Southern Mississippi 2009 — 2011
Bachelor of Arts (BA), Political Science and Government Minior: Human Rights
East Central Community College 2007 — 2009
Associate Degree, Psychology
The Citizens Bank January 2001 - Present
Applied Card Systems January 1999 - March 2000
Skills
IT Audit, Business Continuity..., Product Management, Network Administration, Disaster Recovery, Banking, Strategic Planning, Sales Management, Credit, Event Planning, Microsoft SQL Server, Microsoft Exchange, DNS Server, Active Directory, Marketing Strategy, Graphic Design, Project Management, Management, Budgeting, Financial Reporting, Microsoft Office, Reporting & Analysis, Annual Reports, Expense Reports, Photoshop, Logo Design, Web Content Management, Cisco Call Manager, ADP Payroll, Federal & State..., Windows 7, Windows Server, Windows Movie Maker
Education
Morehead State University 1996 — 1999
Bachelor's Degree, Accounting and Business/Management
Morehead State University 1996 — 1999
Bachelor of Business Administration (BBA), Computer and Information Sciences and Support Services
Pioneer Bank November 2004 - Present
The Citizens Bank September 1996 - October 2004
Skills
Banking, Loans, Credit, Financial Analysis, Strategic Financial..., Mortgage Lending, Mergers, Cash Management, Commercial Banking, Financial Reporting, Portfolio Management, Credit Analysis, Commercial Lending, Financial Modeling, Risk Management, Retail Banking, Loan Origination
Education
University of Utah - David Eccles School of Business 1992 — 1995
BA, Finance
University of Oklahoma 1991 — 1992
Finance
Baldwin CPAs, PLLC June 2015 - Present
East Kentucky Power Cooperative June 2014 - Present
The Gideons International May 2014 - Present
The Citizens Bank October 2013 - Present
Fleming Mason Energy January 2004 - Present
Eldridge Jackson & Leedy, PLLC January 2007 - June 2015
Kentucky Christian Conference CYA June 1986 - June 2014
The Gideons International May 2011 - May 2014
Orphan Voice Ministries January 2007 - December 2012
The Gideons International 2009 - May 2011
Skills
Nonprofits, Leadership, Financial Analysis, Managerial Finance, Accounting, Non-profits, Team Building, Strategic Planning, Financial Reporting, Small Business, Public Speaking, Teaching, Fundraising, Budgets, Program Management, Leadership Development, Management
Education
Morehead State University 1982 — 1984
BS, Agriculture Accounting
Morehead State University 1975 — 1977
Associate of Arts and Sciences (A.A.S.), Agriculture, Agriculture Operations, and Related Sciences
The Citizens Bank January 2001 - Present
The citizens bank January 2001 - Present
Skills
Mortgage Lending, Loans, Small Business, Credit, Coaching, Investments, Sales Management, Portfolio Management, New Business Development, Risk Management, Strategic Planning, Customer Service, Team Building, Commercial Lending, Management, Leadership, Banking, Finance, Budgets, Executive Management, Economic Development, Investment Properties, Organizational..., Public Speaking, Leadership Development, Fundraising, Contract Negotiation
Education
Morehead State University 1964 — 1968
Social Work, Senior
Florida Southern College
The Citizens Bank September 2012 - Present
Zila, Inc. May 2012 - September 2012
Baxter Regional Medical Center June 2006 - May 2012
White River Health System June 2000 - June 2006
Skills
Microsoft Office, Leadership Development, Employee Relations, Process Improvement, Human Resources, Healthcare, Onboarding, Succession Planning, Project Management, Deferred Compensation, PowerPoint, Strategic Planning
Education
Lyon College
Bachelor of Arts (BA), Psychology
Western Kentucky University
Master of Arts (MA), Industrial and Organizational Psychology
BB&T May 2010 - Present
Chandler Gaddy Realty April 2003 - April 2010
BB&T January 1997 - March 2003
Equifax June 1985 - December 1996
SC State Employees Credit Union April 1984 - May 1985
The Citizens Bank May 1983 - March 1984
Skills
Credit Analysis, Commercial Lending, Risk Management, Financial Risk, Credit, Portfolio Management, Banking, Consumer Lending, Financial Services, Sales, Loans, Forecasting, Mortgage Lending, Business Development, Management, Commercial Banking, Loan Origination, Strategic Financial..., Small Business Lending, Enterprise Software, Underwriting, Negotiation, Credit Risk, Customer Acquisition, Financial Analysis, Retail Banking
Education
University of South Carolina-Columbia 1979 — 1983
BA, Business
The Citizens Bank July 2004 - Present
Skills
Commercial Lending, Credit Analysis, Commercial Banking, Lines Of Credit, Credit, Real Estate, Financial Analysis, Underwriting, Customer Service, Microsoft Office, Loans, Mortgage Lending, Business Development, Banking, Small Business Lending, Sales, Budgets, Consumer Lending
Education
University of Arkansas
First Federal Community Bank June 2001 - Present
The Citizens Bank August 2000 - June 2001
National City Bank May 1992 - August 2000
Skills
Policy, FMLA, Deferred Compensation, Succession Planning, Benefits Administration, Recruiting, Human Resources, Employee Benefits, Employee Relations
Education
Ashland University
Master of Business Administration (M.B.A.)
Kent State University
Bachelor of Business Administration (BBA)
The Citizens Bank March 2009 - September 2012
Smurfit-Stone 2007 - 2008
Georgia-Pacific LLC August 2005 - January 2007
Georgia-Pacific LLC 2004 - 2005
Skills
HRIS, Deferred Compensation, Onboarding, Benefits Administration, Talent Acquisition, Employee Relations, Talent Management, Labor Relations, New Hire Orientations, Succession Planning, Applicant Tracking..., HR Policies, Human Resources, Employee Benefits, Recruiting, Employment Law, Interviews, Organizational..., FMLA, Exit Interviews, Compensation, Change Management, Job Descriptions, Affirmative Action, EEO, HR Metrics, Strategic HR, Performance Appraisal, Salary, College Recruiting, Employee Engagement, HR Project Management, Recruitments, Grievances, HRIS Database Management, Job Analysis, Employee Referral..., Open Enrollment, Employee Handbooks, Employee Recognition, Personnel Management, I-9 Compliance, Hiring, Organizational Design
Education
Auburn University, College of Business
Bachelors, Human Resources
Center for Accessible Living July 2002 - Present
Eastern Coal Cprporation August 1984 - July 2002
The Citizens Bank April 1969 - August 1984
Education
Louisville Bible College 2008 — 2012
Bachelor's degree, Sacred Scriptures
Indiana University-Southeast 1998 — 2012
Bachelor of Arts (B.A.), History / Political Science / Human Geography
The Citizens Bank August 2008 - Present
Studstill Law Firm August 2006 - August 2008
CopyFax Inc. 2005 - 2006
Focus Receivables Management 2003 - 2005
Skills
Financial Analysis, Retail Banking, Commercial Lending, Financial Risk, Cash Management, Portfolio Management, Risk Management, Small Business Lending, Financial Reporting, Cross Selling, Credit Cards
Education
Cuyahoga Community College 1975 — 1977
Accounting
North Olmsted Senior High School
Business/Accounting Major
The Citizens Bank June 1975 - Present
Skills
Credit, Banking
Education
University of Arkansas 1970 — 1975
Bachelor of Business Administration (B.B.A.), Accounting
The Citizens Bank
Skills
Banking, Mortgage Lending, Loans, Credit, Credit Analysis, Retail Banking, Commercial Banking, Credit Risk, Risk Management, Portfolio Management, Commercial Lending, Finance
Education
East Central Community College, Decatur, MS
Associate of Arts (AA), Business
Mississippi State University
Business Administration and Management, General
graduated from Philadelphia HS, Philadelphia, MS
AA Business from East Central Community College, Attended Mississippi State University
The Citizens Bank December 2005 - Present
Skills
Production Coordination, Purchasing, Maintenance Purchasing, Bank Security Trainer, Loans Administration
Education
University of South Carolina-Sumter 1982 — 1986
Bachelor of Science (BS), Banking and Finance
the citizens bank July 2013 - Present
Personal Finance June 1996 - July 2013
Personal Finance 1994 - 2013
Skills
Loans, Mortgage Lending, Credit, Loan Origination, Mortgage Banking, Banking, Credit Analysis, Commercial Lending, Refinance, Consumer Lending, Small Business Lending, FHA, Commercial Banking, Residential Mortgages, Retail Banking, VA loans, Credit Risk, USDA, FHA financing, Lines Of Credit
Education
Abraham Baldwin Agricultural College 1989 — 1991