Kimaria Howard is a Financial Representative at Modern Woodmen of America who helps individuals and families build real financial security through personalized planning and education. Her path into finance was shaped by her own experience navigating serious financial challenges as a young parent, which gave her a firsthand understanding of why financial literacy matters and how much it can change your life. Today, she channels that experience into helping people in underserved communities gain the knowledge and confidence to make smart financial decisions, avoid common pitfalls, and build something lasting for themselves and their families.
Their story
A Career in Finance without a degree.
11 min
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Key quotes
“I fell in love with small business because I can identify with them as far as single parenthood. Because everything you do is for your baby. Every decision that you make is for your baby.”
Kimaria Howard-Lewis, Business Specialist
“I don't have a degree, so it was more experience for me. I came in with a lot of management experience and then within clothing, retail and running a business from a corporate side.”
Kimaria Howard-Lewis, Business Specialist
“Being a black woman in corporate America, they kind of give you a ceiling without telling you they gave you a ceiling.”
Kimaria Howard-Lewis, Business Specialist
“You can't say that there's not enough qualified black people. It's just your process is flawed.”
Kimaria Howard-Lewis, Business Specialist
“I actually got evicted from my apartment right after I moved over. I needed that wake up call to make better decisions. It was a learning process for me and my daughter.”
Kimaria Howard-Lewis, Business Specialist
Career highlights
You don't need a degree to break into banking — lean into your people skills and experience.
Kimaria came in with retail and management experience and convinced the bank to skip the teller role because she knew her strength was talking to and teaching customers.
Do informational interviews. Email people and ask them about their career path before you commit to a direction.
She talked about emailing people in roles she's curious about because she doesn't want to 'hop into something I can't grow out of.'
Know your salary range before you walk in. Entry-level business specialists can earn $54K–$62K depending on bonuses and loan volume.
Kimaria broke down the pay structure clearly, including the percentage-based incentive for loans and lines of credit.
Speak up when you see bias — email people in power, name what you're seeing, and build community with other people of color at your company.
She described how the hiring process can be discriminatory without anyone saying so openly, and how she actively raises those concerns at work.
Hard financial moments can become your superpower. Your lived experience is real expertise.
Being evicted as a single mom became the lesson that drives her passion for helping underserved communities build financial literacy.
It's okay to pivot — a lot of times you figure out what you're good at by doing things, not by planning the perfect path.
She went from wanting to be a pediatrician to psychology to retail to banking. She started 'making money and seeing what sticks' — and it worked.

