I serve as an outside Director of Cecil Bank. I am the Vice-Chair of the Board.

On Jaqnuary 31 2020, I ended my four year relationship with BCL as President and CEO. After a 9 month national search the Board hired Watchen Harris Bruce to continue the 30 years of great work that BCL has done. I am continuing to support Mrs, Bruce during an extended transistion. My goal together with my wife Bonnie is to move to Teton County Idaho to join our oldest son Ryan and our grandson Jackson. A new adeventure. During the four years we increaed our Balance sheet from $18 to $24 million, increased staff by 40%, increased our portofokio from $8.5 to almost $20 million expanded the types of lending, created a cutting edge initiative to provide small business loans to new, emerging and growth businesses in Baltimore City. rebuilt the Board of BCL , organized a 30 Anniversary day long series of panels spotlighting the good, the bad and the challenges in Balitmore City, and improved through intentional inclusion the racial and skill diversity of our Board, and staff while achieving a level of 80% of our borrowers being women and/or minority . On February 1 2016, I was hired by the Board of Baltimore Community Lending as President and CEO. This opportunity demands the full use of my past experience in community organizing, community development, mortgage lending, I am fortunate enough to have taken the leadership of an organization with a strong foundation, 28 years of positive history in Baltimore financing real estate to support and strengthen neighborhoods throughout Baltimore City.My first professional position after Mount Saint Mary's was in South East Baltimore with SECO, organizing and supporting community development; ten years after leaving SECO I helped to create and then directed the Housing Assistance Corporation which successfully developed housing throughout West Baltimore; and now I come home again to finance development at a time when there is tremendous energy and opportunity to help support the revitalization of this great City.

The Community Development Administration is the Housing Finance Agency for the State of Maryland Department of Housing and Community Development which lends an average of $300 to $500 million a year for single family mortgage and multi-family financing. established an energy efficiency division for home owner and rental housing units within the Department.I am responsible for the daily operations related to programs functions associated with affordable housing lending including mortgage, special population loans, multi-family housing financing, and other programs associated with the Departments goals consistent with State public policy.As part of this function, I am Deputy to the Assistant Secretary of the Maryland Department of Housing and Community Development with responsibilities for carrying out the Community Development Administration functions in the Assistant Secretary’s absence.

Together with the President of Chesapeake Bank ensured the continued growth of a strong correspondent lending operation for a community bank with a desire to increase their portfolio. I had responsibility for staff hiring, training, management, as well as secondary marketing, reporting, compliance, policy development. I was the Bank CRA officer.

Co-managed the establishment of a strong correspondent lending operation for a community bank. We went from zero production and no third party approvals or relationships to $12,000,000 a month in 9 months. Secured agency approvals and established procedures.

Lead a residential lending division of a community bank. Profits increased in the first year from $0 which was the historical profit to 65 basis points on volumes of $58,000,000 in production. We reached a sustainable level of $112,000,000 a year by year three.Create an in-house Bridge loan and a construction/perm product. Reorganized the back room function, replaced key personnel including the Director of Operations, closer, shipper, and created a branch operation. Total staff included 16 originators and back room of 21 employees. Reported to the President of the bank and the Board of Directors.I was responsible for adherence with all regulatory issues including RESPA, CRA, and HMDA. In addition, I was a producing manager with a production in excess of $10 Million annually.I have my Delegated Endorsement (DE) authority with FHA. In addition, I also had delegation from various lenders of up to $1 million in lending authority. I was a member of the Bank loan review committee for in-house conforming and non-conforming product, which included construction/perms, purchase/rehabs, and other banks specialty product.

As the chief executive of a Baltimore City “quasi-public” agency, I was responsible for the development, public and private financing, construction, sales or rental and management of housing for families with low to moderate income. Development activity averaged over $2,000,000 a year and resulted in the production of 50 rental units and 150 home ownership units for families with low to moderate income.

Provided training to community based organizations in the areas of organizing, finance, administration, management and community economic development

I directed a community based organization involved in housing, economic and commercial development, commercial revitalization, community mental health, community services and community organizing.