Counselors to America's Small Business
26 years of Banking Experience including 21 years as a credit union loan officer and the last 9 years as a Business Loan Officer in Down East Maine.
B.S. in Business with a concentration in Banking from St. Joseph College of Maine, 2008.
Expert in writing business plans and finance and accounting. Very knowledgeable in business operations.
Seasoned pro who can convey complex concepts in simple terms as a businessman, not as a “bean counter”; 13 years experience with large firms (Swift/ConAgra, Nabisco, Kraft, BASF) and 25 years with small companies, many as a part owner/operator & consultant struggling to make payroll (!); CFO; BA Johns Hopkins, MBA U. of Chicago; CMA; full Quick Books experience; strategic planning, g/l, standard & job costing, tax, banking & private equity fund raising ($2M+ for 1 client), projections, M & A, financial analysis, business valuations, cash flow mgmt; served on several boards; taught Corporate Finance and Strategy & Planning at UNCW and Campbell University, respectively.
BA in Economics (Johns Hopkins)</p>
MBA in Finance (University of Chicago)</p>
Certified Management Accountant (CMA)</p>
A results-oriented and enterprising General Manager and Corporate Executive, with extensive domestic and international experience. Main specialty is in sales and marketing, corporate operations, strategic planning, profit and loss management, territory management, OEM relationships, global business interactions, corporate governance, and J-SOX compliance. Leverages sound financial judgment and changing marketplace needs to develop strong business plans and drive continuous change across Total Organization. Builds and develops teams that tackle and achieve business objectives to meet the expectations of all stakeholders.
University of Strathclyde, Glasgow, Scotland, <strong><em>B.A., Marketing and Finance,</em></strong> 1980 (graduated with honors)</p>
<em>Associate, Institute of Financial Accountants</em>, 1991</p>
Recently retired from the US. Small Business Administration (SBA) after 33 years of service, as a Economic Development Specialist. I also had additional 3 years of Government Services under IRS and ICC (Interstate Commerce Commission. I am familiar with SBA's financing incentives and special programs, i.e. Government Contracting incentives under 8(a) Business Development, HubZone, Small Disadvantaged Business, Service-Disabled Veteran-Owned Small Business and Women-Owned Small Business Federal Contract Program. Experienced in creating power-points and developing workshop programs. Knowledge of SBA's resource partnerships, i.e. Small Business Development (MSBDC), Chambers of Commerce, South Eastern Economic Development Corp (SEED), Center for Women & Enterprise (CWE) and Veteran programs and services throughout SE MA, and the Cape & Islands.
Graduated 1969 Weymouth High
Graduated 1970 Quincy Vocation Surgical Technician Program
Varies courses through Quincy College and Bunker Hill Community College: Business and Marketing Development Programs; Real Estate practices and valuations
Master of Science in Banking and Financial Services Management - Boston University (Candidate)
Master in Financial Markets and Asset Management - IEB (Madrid, Spain)
Bachelor's Degree in Economics - UCAB (Caracas, Venezuela)
Prior to launching Alpha Consulting & Empowerment, Ann Marie worked at Citi Group, as an Assistant Vice President for Global Consumer Affairs, TIAA/CREF as a senior Accounting Associate in Tax planning and real estate investment, New York Life Insurance company as a Financial Professional and Psychology and Accounting adjunct professor at Bryant & Stratton College and Schiller International University respectively. She is the co-author of Customer Service & Professionalism for Women and the founder of Life Transformation & Connections, a non-profit organization for empowering women. She has published Aging Workforce: Generational Cohort as a Moderator of the Relationship between Extrinsic and Intrinsic Motivation and Job Satisfaction, ProQuest, May 2012. Ann Marie was nominated as Women of the year 2012 by National Association for Professional Women for her outstanding professionalism, she is a Business Psychologist and mentor and sits on several boards. She also authored and administers “The Empowered Woman, 21 Days Intensive” coaching program.
Ann Marie earned her PhD in Organizational Psychology and MBA in Business Management from Walden University and Regis University respectively with honors, and her BS in Accounting from St Francis College. She is also a member of PePsico external coaching pool. She’s a member of the Society for Industrial and Organizational Psychology (SIOP), and Emotional Intelligence Society. She has coaching certifications from IPEC Inside Out Coaching and Behavioral Coaching Institute. She is also a certified diversity and conflict resolution trainer.
Small Business Owner, Financial Investment Consultant
A 50% owner with a partner who in 1991, created a company that grossed over $700K in revenue our first year to our best year in 2008 with revenue in excess of $27 million in the sale and installation of flooring products with commercial and production builders in the Houston, Dallas, Austin and San Antonio markets. In 1994, our company made the Houston 100 – Houston’s Fastest Growing Companies.
New Mexico State University
BBA, Double Major: Finance ,Real Estate
30 years in banking. Working in lending and management.
Graduate school of Banking at Madison WI
National Commercial Lending School at Norman Oklahoma