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Qualifications

Education:
Angelo State University, San Angelo, Texas - BBA - 1975
Completed the following American Institute of Banking and Robert Morris Associate Courses:
Installment Lending
Real Estate Documentation
Analyzing Financial Statements
Loan Officer Development
  Graduate of the following Banking Schools:
National Installment Credit School, University of Colorado, Boulder, Colorado - 1976
Intermediate Banking School, Southern Methodist University, Dallas Texas - 1980
National Commercial Lending School, University of Oklahoma, Norman Oklahoma - 1984
Southwestern Graduate School of Banking, Southern Methodist University, Dallas Texas - 1985
State Certified Residential #TX-1328118-R
Business Activities:
Society of Real Estate Appraisers, Permian Basin Chapter 142, Secretary/ Treasurer - 1988 thru 1990
President, Big Spring Rotary Club - 1995 thru 1996
Big Spring Chamber of Commerce Board of Directors - 1996  thru 2004
President of Big Spring Chamber of Commerce - 2003
  Professional Experience:
October 1986 thru Present, Real Estate Appraiser in West Texas
January 1986 thru February 1987, Independent Financial Consultant for Keystone  Savings and Loan, Lampassas, Texas
1983 thru 1985, Senior Vice President, Bank of Kerrville, Kerrville, Texas
1978 thru 1983, Vice President, Interfirst Bank, Witchita Falls, Texas
1976 thru 1978, Assistant Cashier, First National Bank, San Angelo, Texas
1974 thru 1976, Assistant Cashier, First National Bank, Big Spring, Texas
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