Charles has an extensive background in banking, with overall experience that exceeds 26 years, including 13 years as an Executive Officer of various financial institutions. He has served as Chief Credit Officer for seven banks. His management skills have been applied to administering bank departments such as credit/lending, operations, and marketing. He has also been instrumental in developing various plans and models. He has evaluated existing operations as well as developed prudent action plans for the successful reorganization of departments to reduce operating costs while improving efficiency. Charles holds a BS degree in Business Administration from California State Polytechnic University.