David has an educational background in accounting and finance.  Professionally he has owned, operated and sold a business which experience he uses to benefit his clients.  His career in banking began as an analyst / underwriter.  Currently he holds the title of Vice President and Business Banker at First Citizens bank specializing in dental finance.  Previously he taught and assisted in developing B475 – Financing New ventures for BYU – Idaho.  David was inducted to Beta Gamma Sigma recognizing his high scholastic achievement in business school.  He likes fast cars, motorcycles, greek food, and fishing.  He is blessed with a beautiful wife and two sons.