I am the Austin President for Anthem Bank & Trust. I specialize in Commercial Loans, especially construction. I have been in banking for 30+ years. I think out of the box and I am not the typical banker. I think more like an entrepreneur than a banker. I have an MBA from St. Edwards with a focus in Tax, Accounting, & Finance. I am originally from Houston and come from a banking family. I love live music, working out, golfing, camping, and snow skiing. When I am not working, I am with my family. My wife, Debbie, has been a teacher for 26+ years. I have a son, Charlie, who is 12. He is a straight A student and almost an Eagle Scout & Black Belt. I also have a daughter, Gracie, who is 10. She is also a strong student, dancer, Girl Scout, and an active social life. We have lived in Lakeway, TX for 13+ years.