*20+ years experience in the banking industry primarily focused on commercial real estate lending, underwriting, credit process, portfolio and risk management*9 years experience in technology working with cloud-based communications systems and financial technologyAfter graduating with a bachelors degree in Business Administration from Lee University, I pursued a career in the banking industry. I spent the last 20+ years finding ways to serve the financial needs of small and medium-size businesses primarily in professional services industries. Most of that time has been spent in the commercial banking segment where I consult companies on how to utilize financial services to improve cash flow and the long-term profitability of their business. In 2012, I made a transition into the telecommunications industry as part-time National Sales Manager for Voiceopia Communications. I was responsible for the outside sales and marketing initiatives for a local, family-owned company that serves the communications needs of small and medium-sized businesses across ten states. The majority of my time is spent consulting businesses on how to leverage hosted VoIP technology to solve problems, increase revenue and improve communication with the customers they serve. In February of 2014, I stepped back into the banking industry as Credit Officer of Millennium Bank in Chattanooga, TN where I now serve as Senior Credit Officer. I desire is to serve my God, my family, my community and my customers to the best of my ability. I believe that the best investment you can ever make is in bettering yourself to impact those around you. I am blessed with an incredible wife of 24 years and two awesome boys. I enjoy reading, music, fitness, outdoor activities, sports and I am a HUGE baseball fan, specifically the 2016 WORLD CHAMPION Chicago Cubs.