William Rayburn, chairman and CEO for FNC Inc., told graduates there are five things that they should remember during his address, titled "Making a Difference." "The second thing is that you will have to do things that are not fun," Rayburn said. William Rayburn, chairman and CEO for FNC Inc., speaks during the Heidelberg University's 26th graduate commencement ceremony. The third and fourth thing, Rayburn said, is to look for ways to get better and to be curious. Rayburn left the graduates with a poem. He said, "The thing that goes the farthest and costs the least is a smile...(go and) make a difference."

William Rayburn Chief Executive Officer, Chairman of the Board, FNC Co-Founder Bill Rayburn has served as chairman and CEO since the company's founding. Initially, he tackled the responsibility of raising funds and establishing the banking relationships necessary to ensure FNC's success. In recent years, his focus has shifted to leading the company's organic revenue growth through strategic planning and the introduction of new solutions to the marketplace. Currently, his efforts are aimed at strengthening processes to maintain fantastic client service, as well as growing and developing the talented management team at FNC. Prior to co-founding FNC, Rayburn co-founded two other successful ventures-a residential real estate development company, and a seminar and training company. He also served full-time on the finance faculty at the University of Mississippi for 12 years where he taught graduate courses in financial institutions and real estate investment analysis. Rayburn worked his way through graduate school selling enterprise telecommunications systems with a major firm. Active in both local and state-wide communities, Rayburn "gives back" by serving on the Girl Scouts Heart of the South Council board of directors (including serving as chair of the finance committee); the Boy Scouts Yocona Area Council board of directors (including serving as the District Fund-Raising Chair); the board of directors of the Oxford Ballet Association; and the board of directors of the Mississippi Technology Alliance. He is also an active supporter of 4-H in Mississippi. Rayburn holds a doctorate in finance from the University of Memphis, is a Chartered Financial Analyst (CFA) and an MAI (inactive). He completed his undergraduate degree in business at the University of Southern Mississippi. An eternal optimist, his favorite phrase is, "Have a Fantastic day!" William Rayburn Chief Executive Officer, Chairman of the Board, FNC Co-Founder Bill Rayburn has served as chairman and CEO since the company's founding. Initially, he tackled the responsibility of raising funds and establishing the banking relationships necessary to ensure FNC's success. In recent years, his focus has shifted to leading the company's organic revenue growth through strategic planning and the introduction of new solutions to the marketplace. Currently, his efforts are aimed at strengthening processes to maintain fantastic client service, as well as growing and developing the talented management team at FNC. Prior to co-founding FNC, Rayburn co-founded two other successful ventures-a residential real estate development company, and a seminar and training company. He also served full-time on the finance faculty at the University of Mississippi for 12 years where he taught graduate courses in financial institutions and real estate investment analysis. Rayburn worked his way through graduate school selling enterprise telecommunications systems with a major firm. Active in both local and state-wide communities, Rayburn "gives back" by serving on the Girl Scouts Heart of the South Council board of directors (including serving as chair of the finance committee); the Boy Scouts Yocona Area Council board of directors (including serving as the District Fund-Raising Chair); the board of directors of the Oxford Ballet Association; and the board of directors of the Mississippi Technology Alliance. He is also an active supporter of 4-H in Mississippi. Rayburn holds a doctorate in finance from the University of Memphis, is a Chartered Financial Analyst (CFA) and an MAI (inactive). He completed his undergraduate degree in business at the University of Southern Mississippi. An eternal optimist, his favorite phrase is, "Have a Fantastic day!"

Bill Rayburn BILL RAYBURN CEO, FNC, Inc. Bill Rayburn has served as chairman and CEO since the company's founding. Initially, he tackled the responsibility of raising funds and establishing the banking relationships necessary to ensure FNC's success. In recent years, his focus has shifted to leading the company's organic revenue growth through strategic planning and the introduction of new solutions to the marketplace. Currently, his efforts are aimed at strengthening processes to maintain fantastic client service, as well as growing and developing the talented management team at FNC. Prior to co-founding FNC, Rayburn co-founded two other successful ventures-a residential real estate development company, and a seminar and training company. He also served full-time on the finance faculty at the University of Mississippi for 12 years where he taught graduate courses in financial institutions and real estate investment analysis. Rayburn worked his way through graduate school selling enterprise telecommunications systems with a major firm. Rayburn holds a doctorate in finance from the University of Memphis, is a Chartered Financial Analyst (CFA) and an MAI (inactive). He completed his undergraduate degree in business at the University of Southern Mississippi. An eternal optimist, his favorite phrase is, "Have a fantastic day!"

William Rayburn | Bob Dorsey | Kathy Coon | Neil Olson | William Rayburn, PhD Chief Executive Officer, Chairman of the Board, FNC Co-Founder Bill Rayburn has served as chairman and CEO since the company's founding. Initially, he tackled the responsibility of raising funds and establishing the banking relationships necessary to ensure FNC's success. In recent years, his focus has shifted to leading the company's organic revenue growth through strategic planning and the introduction of new solutions to the marketplace. Currently, his efforts are aimed at strengthening processes to maintain fantastic client service, as well as growing and developing the talented management team at FNC. Prior to co-founding FNC, Rayburn co-founded two other successful ventures-a residential real estate development company, and a seminar and training company. He also served full-time on the finance faculty at the University of Mississippi for 12 years where he taught graduate courses in financial institutions and real estate investment analysis. Rayburn worked his way through graduate school selling enterprise telecommunications systems with a major firm. Active in both local and state-wide communities, Rayburn "gives back" by serving on the Girl Scouts Heart of the South Council board of directors (including serving as chair of the finance committee); the Boy Scouts Yocona Area Council board of directors (including serving as the District Fund-Raising Chair); the board of directors of the Oxford Ballet Association; and the board of directors of the Mississippi Technology Alliance. He is also an active supporter of 4-H in Mississippi. Rayburn holds a doctorate in finance from the University of Memphis, is a Chartered Financial Analyst (CFA) and an MAI (inactive). He completed his undergraduate degree in business at the University of Southern Mississippi. An eternal optimist, his favorite phrase is, "Have a Fantastic day!"

In this unscripted, conference-call talk show, mortgage industry experts Bill Rayburn and Bob Dorsey jump start your work week with an intense recap and forecast of the housing market in real time. Be sure to catch the panel presentation hosted by FNC and moderated by CEO Bill Rayburn.