Extensive banking career (all in Florida) working in all phases of lending, credit, structuring, and negotiating. 2009-2015: Senior Lender for the State of Florida for BMO Harris Private Bank 2001-2009: Relationship manager and Senior Credit Officer for Wachovia Wealth Management - Palm Beach 1999-2001: Senior Commercial lender for Kislak National Bank 1997-1999: Senior Commercial lender for BankUnited 1991-1996: Chief Credit Officer and Senior Lender, Boca Bank 1979-1991: All phases of lending and branch management, culminating in role of Chief Credit Officer for Region (Broward, Palm Beach, Martin County) Southeast Bank 1970-1979: Started as teller, and worked through collections and consumer lending area to become Commercial Lending Officer, Port Charlotte Bank and East First National Bank Certified Financial Planner • Commissioner, Certified Financial Planner Board of Standards, Disciplinary and Ethics Committee • SCORE Certified Mentor and Workshop Facilitator/Presenter • Instructor: o Internal Lending Training programsa o AIB Lending Curriculum o RMA Florida School of Commercial Lending - Lending to high-net worth clients • Webinar Presenter: (Online Financial Services Training companies) o CBANC Network o BankersHub