Jim has worked in all phases of a large bank, including branch bank management and commercial loan examining. He was a real estate agent and broker for many years before going into the mortgage lending field after the mid 80's oil industry upheaval in the Houston area. He has additional experience as an Engineering Technician inspecting failures in structure and foundations of residental properties, and in surpervision of the repairs by foundation repair companies. Jim joined Scott in the note buying industry in 1993.