Bachelor of Science in Industrial Engineering, Rutgers University, 1969. Master of Business Administration, Harvard University, 1971.
Finance administrator Banc One, Columbus, Ohio, 1971-1972. Operations manager Citibank, New York City, 1972-1976. Assistant vice president operations Citicorp Finance Inc., Towson, Maryland, 1976-1978, assistant vice president, chief of staff, 1978-1980, vice president consumer credit, 1980-1982, vice president credit and systems consultant Phoenix, 1982-1984.
Consultant, 1984-1987. Director technical Citicorp Credit Services, Inc., Hagerstown, Maryland, since 1987. Part-time faculty Hagerstown Junior College, Maryland, 1989.
Vice-chair United Way, Baltimore, 1982. Chairman finance committee Towson University, 1983. Member Archdiocesan Center Regional council, Baltimore, since 1987.
With Army of the United States, 1961-1964. Member St. Vincent DePaul Society, Alpha Pi Museum.
Married Marilyn Ann Elizabeth Rowland, April 24, 1965. Children: Erik Rowland, Vanessa Howe, Mark Alexander.