EDUCATION

 Ph.D.                        The University of Alabama, 1985 Major fields of study: Economics & Finance Minor fields
                                  of study: Econometrics & Monetary theory and policy

 Dissertation Title:      "Futures Trading and Cash Market Rates Variability: An Empirical Study of The Treasury
                                   Bill Market"

 M.A.                          The University of Alabama, 1981 Major field of study: Finance


ACADEMIC EXPERIENCE

Texas A&M International University, Laredo, Texas.

Associate Professor of Finance in the Department of
Economics and Finance of the College of Business Administration
and Graduate School of Business Administration and International
Trade, September 1993 - present.

Instituto Centroamericano de Administracion de Empresas,
INCAE, Graduate Business School, Alajuela, Costa Rica.

       Associate Professor of Finance from January 1991 to
 August 1993.

The University of Michigan-Flint, Flint, Michigan.

       Assistant Professor of Finance in the School of
 Management, September 1984 to December 1990.


COURSES TAUGHT

    Texas A&M International University.

       Undergraduate: Introduction to Corporate Finance,
 Intermediate Corporate Finance, Investments, Managerial
 Economics, and Business Statistics.

       Graduate: Business Finance Concepts, Financial
 Management, International Financial Management, International
 Finance, Management Science, Managerial economics, and
 International Investments.

    Instituto Centroamericano de Administracion de Empresas,
 INCAE.

       Graduate: Financial Management, Money and Capital
 Markets, and Seminar in Banking and Finance.

    University of Michigan - Flint

       Undergraduate: Financial Principles, Investments, Portfolio
 Theory, Options and Futures, and Business Statistics.

       Graduate: Financial Management, and Business Economics.


 OTHER ACADEMIC EXPERIENCE

    Texas A&M International University

       Taught International Finance and International Financial
 Management in the joint MBA program of Universidad de las
 Americas (Costa Rica) - TAMIU (USA) in the Spring of 1994.

       Taught Financial Management in the MBA program of
 Tecnologico de Monterreyin the Summer of 1997 under an
 agreement between Tecnologico and TAMIU.

       Instructor in the Agricultural Bank of Greece - TAMIU
 International Banking Program, 1997 - Present.

       Taught International Finance in the TAMIU - Tecnologico de
 Monterrey Diplomado Program, Summer 1998.

    Instituto Centroamericano de Administracion de Empresas,
 INCAE.

       Taught Financial Management, Risk Analysis, and Banking in
 executive business seminars and in executive MBA programs
 throughout Mexico, Central and South America, 1991-1993.

    The University of Michigan - Flint

       Taught Finance in the Operations Management Skills Program
 through the Office of Extension and Continuing Education, 1985.

    The University of Alabama

       Taught Business Finance Principles, Financial Institutions,
 Intermediate Corporate Finance, and Introduction to Micro
 Economics while in the Masters and Ph.D. programs, 1980-1984.


 ADMINISTRATIVE EXPERIENCE

    Texas A&M International University

        Associate Dean, College of Business, 2001-Present

        Chair, Department of Economics and Finance, 1999-Present