I love a challenge, I love working with people, and quite simply, I love my job! I believe clients deserve my best effort. I take a common-sense approach to lending â€" listen carefully, consistent phone follow-up, and straightforward answers. I recognize that each customer’s needs are unique, and always take time to explain complicated financing options and make appropriate recommendations. Outside of work, I enjoy spending time with my wife and four children (two of which have grown up and left the nest). I have a great love for music â€" singing, playing the guitar and piano, and writing music, some of which has been professionally recorded.