Spent over 30 years in the banking industry, primarily as a Regional Manager overseeing teams of commercial lenders providing business loans and other banking services. Specialized in trade finance (providing services to importers/exporters). Managed business development and marketing programs. Background in accounting and financial analysis, Education: Bachelors of Arts Degree in Philosophy from University of California, Santa Barbara. Accounting and Financial Analysis classes/seminars. Commercial Lending classes/seminars.