While nearing the completion of a thirty-four year banking career, I decided that it was time to realize upon a career-long dream, that of owning my own business. I have spent most of my adult life as a banker, counseling with small business owners, analyzing and financing their needs and selling them banking services. 

 A native of Cartersville, GA , I am a 1968 graduate of the University of Georgia's Terry College of Business. I have done post graduate work at the University of Georgia and attended the National School of Credit and Financial Management at the Tuck School of Business at Dartmouth College.

My banking career includes twenty-eight years of retail and commercial banking with one of the largest commercial banks in the United States and six years as an Executive Vice President and Chief Credit Officer with a small community bank on the north side of Atlanta. 

Armed with the training and skills afforded me from many years of serving with large and small banks, I have set out to offer my analytical skills individually to a small business community that already has its financing in place but which may need assistance in finding better ways to finance growth. I consult with banks regarding their loan portfolios or with their commercial borrowers who may need counseling for their business's financing needs. 

I am a Professional Member of the Risk Management Association (RMA), an Associate Member of the Community Bankers Association of Georgia (CBA), and a member of the Dekalb Chamber of Commerce. For the CBA, I have taught classes in Principles of Collection, Bankruptcy from a Banker's Perspective, and Commercial Appraisal Reviews. I am also an instructor for the Georgia Bankers Association where I have taught courses in Analyzing Financial Statements, Commercial Lending, and Principles of Banking.

I am an elder of the Decatur Presbyterian Church where I sing in the Chancel Choir, and I am active in several civic endeavors in Metro Atlanta.