Resume

• 2004

  Key Bank

  Private Banking Manager

  Wealth Management

  Business Development

  Key Bank

  Financial Advisor

  Investment Advice

  Stock Brokerage

  Ameriprise Financial Advisors

  Manager - Trust and Investments

  Wealth Management

  Standard Federal Bank

  VP

  NBD Bank

  First VP

  Wealth Management

  First Chicago NBD Bank

• 1980

  National Bank of Detroit

  NBD Bank

  First Chicago NBD Bank

  Standard Federal Bank

  UMass Boston

  Techworld Language Solutions

  Inc.

  Ameriprise Financial Advisors

  Standard Federal Bank N.A. / LaSalle Bank N.A.

  English language instruction

  PALS INTERNATIONAL

  Techworld Language Solutions

  Inc.

  Troy

  Michigan

  English tutor to expatriate business executives and their spouses

  ESL Instructor

  Adjunct Professor of Finance and Accounting

  Adjunct Faculty

  Greater Boston Area

  UMass Boston

  Wealth Managment

  Buisness Development

  Commercial Loan Management

  Relationship Management

  National Bank of Detroit

  Business Development Officer

  Wealth Management

  Business Development

  Financial Planning

  Standard Federal Bank N.A. / LaSalle Bank N.A.

• 1978

  MBA

  Finance

• 1976

  M.A.

  Arabic

• 1973

  Middle East Studies

• 1971

  English

  Arabic

  Spanish

  B.A.

  Middle Eastern Studies

• 1967

  St. John's High School

• Arab American National Museum (AANM)

  ESL Instructor

  Literacy Volunteers of Massachusetts

  Entrepreneurship

  Credit Risk Evaluation

  Small Business Lending

  Portfolio Management

  Middle Market

  Commercial Lending

  Credit Analysis

  Banking

  Loan Underwriting

  Finance

  Underwriting

  Investments

  Investment Advisory

  Financial Analysis

  Asset Management

  Asset Managment

  Credit

  Wealth Management

  Loans

  Business Development

  Kulwicki

  Specialties: Financial Planning

  \nWealth Management

  \nInvestment Management

  \nBank Management and Supervision

  \nCredit and Financial Analysis

  \nLoan Underwriting\n

  Mike

  Kulwicki

  PALS INTERNATIONAL