Professional Experience:- Real Estate

2002- Present     Residential and Commercial Real Estate 

 Professional Experience – Banking and Finance

1999- 2001  1^st WEBBANK DIRECT.COM(1^st WBD),  Newtown, PA  Chief Operating Officer (COO) & originator

 1996-1999  Sovereign Bank, Reading PA  Manager, Branch & Bank Acquisitions, Senior V.P.

 1994 – 1999 Sovereign Bank, Reading PA  Manager, Internet Technologies, Senior Vice President                                  

 1992-1994 Sovereign Bank of NJ, Toms River, NJ  President

 1989-1992  Jersey Shore S & L, Toms River, NJ, Director, President & CEO

 Investment Experience

2001- Present   Managing Partner – Kern Enterprises LLC

Commercial, Investment and Residential Real Estate and Development                             

Education:

1967 Bachelor of Science in Business Administration (Finance and Accounting)

Boston University  

1977 Master’s Degree in Education (Human Development)

Fairleigh Dickinson University  

Military Experience: 

1967-1972      Captain, US Air Force 

Civic:

Past President and Board Member Toms River Kiwanis

Past Chairmen & Board Member,  Home For All, Inc

Past Chairmen & Board Member Ocean County Literacy Volunteers of America          ​