Week 1
On Demand
Your Financial Future + Understanding Credit
21st Century Skills

Your Financial Future + Understanding Credit


The College Bound Citizens presentation focuses on establishing an efficient financial future and building healthy money habits. Learn how to understand credit to keep the cost of education down.

Presented By:
Osamase Ekhator
Citizens Bank
Ray Skyes
Citizens Bank

Session Information


Career Cluster:
Personal Finance
Instructional Area(s):
Spending and Saving + Credit and Debt
Performance Indicators

This classroom connection will provide instructional resources to introduce the following National Curriculum Standards.

Planning helps people make choices about how to use their money
Summarize the risks and protections of mobile payment systems
Analyze how a credit score affects creditworthiness and the cost of credit


If this presentation was of interest to you, look into these additional DECA programs.

Financial Consulting
Financial Literacy Project
Personal Financial Literacy
Virtual Business Challenge-Personal Finance


If this presentation was of interest to you, explore these careers.

Financial Advisor
Investment Banking


Osamase Ekhator
Citizens Bank

Osamase Ekhator is High School Relationship Manager for Citizens. Osamase graduated from Boston College in 2017 and has been with Citizens ever since. As a first-generation student, he remembers how hard it was for him to apply for financial aid and fund his way through college. Osamase now takes great pleasure in being able to teach students about financial literacy and provide them with the same knowledge he wishes he had at their age.

Ray Skyes
Citizens Bank

Ray Sykes is Student Lending Relationship Manager, VP for Citizens Bank. Ray Sykes has worked at Citizens Bank for eight years and has a passion to provide financial literacy because it equips us with the knowledge and skills we need to make financial decisions. Ray is a Board Member of The Urban League of Rochester and has been recognized for his volunteer activity including the Chairman’s Credo Award, the highest recognition given by the bank for his involvement in the community.