• A.B. in Economics from Davidson College, 1981

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• M.B.A. in Finance from UNC-Greensboro, 1984 

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• Regional Senior Credit Officer, BB&T, Eastern N.C Region, Midlands S.C. Region, and Atlanta Region, 1985 - 2002. 

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• Chief Credit Officer,  Main Street Bank, Atlanta, GA, 2002 - 2006.  Main Street Bank was a $2.5 billion, publicly-held commercial bank with 25 branches serving metropolitan Atlanta.  During that time it was the largest community bank headquartered in Atlanta and it was acquired by BB&T in 2006. 

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• Chief Credit Officer, Woodlands Bank, Bluffton, SC, 2006 - 2007.  Woodlands Bank was a de-novo bank with branches in N.C., S.C., Georgia, and Alabama. 

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• Founder and Managing Member, Windward Financial, LLC, 2007 - Present