Education
B.A. Economics University of Calgary

Employment History
Vice President Mortgages, Farmers & Merchants 1972 to 1975
Assistant Vice President, Canmort Consultants (wholly owned subsiduary of Wood Gundy) 1975 to 1979
Assistant Vice President Mortgage Banking, Crown Trust 1980 to 1983
Vice President, McLean McCarthy 1983 to 1989,
- Commercial Mortgage Brokerage
Assistant Vice President Banking, Montreal Trust 1989 to 1994
President R. Ham and Associates Inc. 1994 to present
- Commercial Mortgage Consultant
- Business Development for MacKenzie, Ray, Heron, and Edwardh Real Estate Appraisers