Experience includes 30 years in the mortgage lending industry serving as a Senior Loan Officer for O’Dowd & Associates for 21 years. Background includes 16 years experience in Finance as a Loan Manager and Loan Officer with MeraBank, Phoenix, AZ and previously with Chase Manhattan, Scottsdale, AZ as a Loan Officer. Education includes a Master of Business and Public Administration, Arizona State University, Bachelor’s Degree in Business Finance, Arizona State University.