- Juris Doctor awarded
by Baylor University School of Law, 1978.
- B.S. in Business Administration
awarded by Trinity University, San Antonio,
- B.A. in Environmental
Studies awarded by Trinity University, San
Antonio, TX, 1975.
Engaged in the practice
of law in Houston, Texas since 1978, concentrating
on banking, commerical, corporate, employment, insurance and real estate law.
seven years as in-house counsel for First City-Texas,
N.A. and for Bank One, Texas, N.A. involving negotiation
and preparation of loan agreements, notes, security
agreements, extensions and modifications, loan participations,
letters of credit, agreements to purchase indirect
loans, interest rate swaps, caps and collars.