James has been an executive officer for several mortgage firms and has over thirty-five years’ experience in the financial arena. James possesses a B.A. degree in Business Administration and has been awarded the Certified Mortgage Banker (CMB) Designation by the Mortgage Bankers Association of America.

Over the years James has taught financial and monetary education to varied entities but has a passion for especially helping two groups with their credit and monetary education: enlisted military personnel and prison inmates about to released back into society.

Previously James served as a Commissioned Officer (Reserve) in the United States Air Force.