Retired for seven years, Ms. Lowry possesses over 25 years of experience in a broad range of business activities with a consistent record of accomplishment in creating value, by identifying functional deficiencies and problem solving. While her background spans the telecommunications industry, business lending, and small business management, she possesses solid experience in process audits and enhancements, revenue and cost analysis and reporting across all disciplines.Additionally, A forty year career in salon and spa businesses began as a stylist behind the chair, working intimately with individuals all day. Customer service, and front desk skills, were the most important part of this career.Having owned and operated two personal service businesses; most recently Solarus Salon and Spa, in Rosslyn, Virginia, Ms.Lowry is also adept at building business plans, budgeting, financial analysis, and reporting. A strong emphasis on written and oral communication and utilization of public relations skills has been required throughout her professional career.As an examiner for the Farm Credit Administration, Ms. Lowry’s duties included examining loan portfolios in Farm Credit institutions, for regulatory compliance, and sound lending practices. She documented findings in written reports, formatted to validate the determination of materiality, and presented findings to Sr. officers and Board of Directors in the institutions.Prior, Ms. Lowry was an analyst for Net2000 Communications, conducting quality and revenue assurance audits, reporting findings to Sr. Management and corporate officers, and presenting practical solutions. Her experience at Net2000 includes process audits, building tracking and reporting mechanisms, creating tools to increase efficiency and accuracy, creating and conducting internal training programs.