Education

Master of Business Administration (March 1980)
Florida State University, Tallahassee, Florida. Major: Finance with emphasis on Financial Institutions.

Bachelor of Science in Business Administration (June 1978)
Florida State University, Tallahassee, Florida. Major: Finance and Financial Institutions. Minor: Organic Chemistry

Currently enrolled at the H. Wayne Huizenga School of Business and Entrepreneurship in the Doctorate of Business Administration program. All course work is complete. Course work has included research methods and statistical analysis, economics, corporate and international finance, information technology, operations management, financial investments, and professional workshops. Research interests include gender differences in investing and retirement planning and small business finance.

Academic Experience

Associate in Business Administration--Florida State University College of Business, Panama City Campus, Panama City, Florida.

Duties include: Teaching undergraduate courses in Financial Management, Problems in Financial Management, Multinational Business Operations, Financial Institutions and Investments and Real Estate. Duties also include advising students on academic issues and recruiting new students.

Professional service includes committee participation for various projects specifically for the Panama City Campus.

Non academic responsibilities at the University include serving on the Board of Directors of Florida First Capital Finance Corporation, a certified development Company with the responsibility to provide high risk entrepreneurial Financing to emerging companies. Serving on the Board of Directors for Goodwill Industries and the Business Advisory Council for Goodwill Industries.

Consulting small businesses on financing, business risk and entrepreneurial issues.

Adjunct Lecturer – Florida State University College of Business, Tallahassee, Florida.

1982 to 2002. Duties included teaching undergraduate courses titled "Financial Institutions and the Economy" (FIN 3244), Financial Management of the Firm" (FIN 3403), "Multinational Financial Management" (FIN 4604). In addition, have substituted for classes in "Commercial Bank Management" and "Commercial Loan Policy."

Instructor – American Institute of Banking, Tallahassee, Florida.

1981, 1982. Duties included teaching "Principles of Banking" and "Macro Economics."

Guest Lecturer – Financial and academic organizations including:

Universidad Modelo—Entrepreneurship (December, 2003)
Florida A and M School of Business and Industry – Banking and Finance
Tallahassee Community College - Economics
Financial Management Associates
Alpha Kappa Psi Business Fraternity
Omnicron Delta Kappa Honors Society

Faculty Advisor – Alpha Kappa Psi Business Fraternity, Florida State University.

1992 to 2002.

The Tallahassee State Bank, Tallahassee, Florida. July 1990 to July 2002.

Duties included: Senior Vice President and Chief Loan Officer. Responsible for loan policy, asset quality, loan management and development of new customers. Community Reinvestment Officer, responsible for the bank's investment in the delineated trade area. Member of the Executive Committee responsible for the overall management of the bank.

Florida First Capital Finance Corporation, a statewide certified development corporation specializing in Small Business Administration loans to emerging companies.

Nominated by the Office of the Governor in 1992 to serve in a volunteer capacity on the Board of Directors. Served as President of the corporation from 1994 to 1998. Successfully led the corporation through numerous legislative changes that ultimately created a self-sufficient company. Continue serving on the Board of Directors. Duties now include the Chairman of the nominating committee, member of the credit committee and responsible for the development of business.

Florida International Banking Advisory Council, a committee organized by the Governor of the State of Florida for the development of international trade in the State of Florida.

Served from 1985 to 1995 by appointment from the Office of the Governor. Accomplishments included: drafting legislation on "Choice of Law and Choice of Forum" for international transactions, drafting law permitting international banks to operate as full service banks in Florida, drafting legislation for the development of an export finance corporation to be located in Florida and drafting legislation concerning international monetary transactions.

Goodwill Industries of the Big Bend, Inc. Served on Board of Directors from 1989 to present.

Responsibilities have included:
President of the Board of Directors
Chairman of the Finance Committee
Chairman of the Business Development Committee
Member of the Investment Committee
Member of the Executive Committee
Executive Search Committee
Human Resources Committee

Northwest Florida Black Business Investment Corporation.

Served as founding member of the Board of Directors member from 1990 to present.

Island Angler Fishing Team, Inc.

Charter fishing out of Carrabelle, FL. 1994 to 2002.

Professional Affiliations

• Southern Finance Association
• Financial Management Association

Business Training

• Synovus Financial Corporation Leadership Institute, 2000-2001.
• Southeast Bank Leadership Development Training Program, 1989-1990.
• Barnett Banks of Florida Management Training Program, 1980-1981

Community Activities

• Florida State University College of Business Alumni, Board of Directors member and Treasurer, 1985 to present.
• Florida Economics Club, member, 1981 to present.
• U.S. Coast Guard Auxiliary, Flotilla 13, Shell Point, Florida, 1977 to present. Patrol, training, and search and rescue volunteer coxswain on Auxiliary Vessel 13-186.
• Tallahassee Lions Club, Board of Directors member and officer, 1981 to present.
• Wakulla High School Band Booster Organization, member, Co-coordinator - Ways and Means, and voice of the War Eagle Marching Band, 1998 to 2001.

Presentations and publications

Healthy Financial Lifestyle

Presented a class in financial planning to employees of Florida State University. This is a continuing education class offered to employees of Florida State University.

Retirement Planning Seminars

Developed and presented class in retirement planning to employees of Florida State University.

"Grab Your Sox! IT Comes of Age with the Sarbanes-Oxley Legislation.

Paper to be presented at Hawaii International Conference in Business and published in the proceedings of the conference, May 2006.

Entrepreneurship

The role of the entrepreneur presented to the students of the University of Modelo, Merida, Mexico, December, 2004

The role of the entrepreneur presented to a group of entrepreneurs sponsored by Goodwill Industries.

Developed a class in the financial aspects of entrepreneurship, which is a part of Goodwill Industries entrepreneur class.

Southern Finance Association

Paper discussant at the annual meeting of the Southern Finance Association, November, 2004.

Upcoming paper discussant at the annual meeting of the Southern Finance Association, November, 2006.

Investing in Women

Developed a class for Florida State University continuing education program specifically targeting women and investment. The class focused on teaching women different investment strategies.

Leadership roles

• Search committee for Assistant Dean, FSU-PC, December, 2005 to February, 2006.
• Search committee for Director of Admissions and Records, FSU-PC, March, 2005.
• Faculty advisor for FSU-PC Tennis and Golf Club.
• Faculty facilitator for FSU-PC faculty, Summer semester, 2004
• Search committee for Executive Director of Goodwill Industries, 2002.

Research interests

Small Business Finance

Currently working on a paper concerning the impact of job creation and the SBA 504 loan program.

Continuous research on small business finance and entrepreneurship.

Gender differences in investments and retirement planning

Currently working on a paper concerning the gender differences in investing and retirement planning