LORI GROSS - Key Persons

Job Titles:

• Executive Vice President, Loan Operations

Amal Hernandez is an accomplished, 30-year veteran of the mortgage industry. Throughout her career, Amal has held executive roles in organizations of various sizes and functions. She has vast experience in retail, wholesale, and correspondent lending with a focus on closing, funding, and warehouse management. Amal was one of the founding members and a Senior Vice President of First Magnus Financial Corporation, one of the nation's largest mortgage lenders during its tenure. Amal has also held leadership positions with multi-state mortgage lenders like Nova Home Loans and nationwide mortgage lenders including Caliber Home Loans and Mr. Cooper (formerly known as Nationstar). Most recently, Amal served as Executive Vice President of Operations for Sunstreet Mortgage, LLC. Amal lives in Tucson and enjoys spending time with her family and friends. She likes to cook and share traditional food with her loved ones. She also enjoys traveling, recently returning from a trip to Tanzania, an experience of a lifetime.

Job Titles:

• Executive Vice President, Capital Markets

Amber Adil earned her B.S.B.A. in Business Management from the University of Arizona. She holds an MBA from the University of Arizona as well. Amber has extensive experience in product support and secondary marketing, having served as the managing director of both areas for one of the nation's largest privately-held mortgage banks. Most recently, she served as the Managing Director of Secondary Marketing Services, a firm specializing in lock desk, hedging, and risk management for small to medium sized mortgage lenders. Amber is the mother of three active boys. In her spare time, she enjoys volunteering for her sons' sports teams and with Angel Charity for Children, where she served as the General Chairman in 2016. Amber loves to travel and adopt animals in need.

Job Titles:

• Senior Vice President, Risk Management

Job Titles:

• Senior Vice President, Risk Management

Anna Kyluchik, MS, has nearly 20 years' experience in the mortgage industry, and has spent that time making sure Tucson-owned firms reach their potential. As a risk management professional, Anna's responsibilities include serving as a liaison between vendors, investors, warehouse lenders, and regulatory institutions. In addition to overseeing risk management, Anna has supervised multiple facets of compliance, quality control, and the appraisal desk. She's also worked in secondary marketing and project management. Anna is a graduate from the University of Arizona with a Master's of Science in Business Management. She enjoys the pursuit of knowledge and sharing that knowledge and management experience through mentoring students in a faculty role.

Job Titles:

• Senior Vice President, Processing

When Cheryl Brown began her career in the mortgage industry more than 35 years ago as a receptionist, she self-admittedly knew nothing about the business. It didn't take long for her to realize a great deal of attention to detail, critical thinking, and organizational skills would be required to find success, however, and she quickly adapted to her new environment. Nowadays, Cheryl thrives thanks to those skills, and she's built a long-lasting and extremely satisfying career. She has spent the last 10 years as a Processing Manager, and loves the work she does. Cheryl believes the numerous positions she's held in the lending industry, from processing, underwriting, closing, funding, shipping, insuring to quality control, has provided her a well-rounded base of knowledge on all aspects of the loan process. With that knowledge and experience, Cheryl has the necessary skills to assist team members by answering any questions they have, regardless of the stage the loan is currently in. After nearly four decades in the industry, Cheryl cherishes day-to-day challenges and enjoys watching her team of hardworking professionals flourish by sharing her knowledge and guidance. A Tucsonan since she was 2 years old, Cheryl has loved watching the city grow into the jewel of Southern Arizona. She enjoys vacationing with her husband, her two daughters and sons-in-law, and two adorable granddaughters. Those vacation adventures have included ziplining, riding the teacups in Disneyland, and enjoying one another's company.

Job Titles:

• Executive Vice President, Credit Risk

Elizabeth Burkholder began her mortgage career in the early '80s after earning a degree in sculpture-back when rates were 16 percent or higher, there were no fax machines, and all verifications were mailed out. Back when credit reports were mailed in and forms were three-part carbon which had to be typed and carefully corrected if needed. Remember when disclosures were hand-calculated? When processing and closing a loan took up to 120 days? The industry has changed a lot since then, and Elizabeth has always been among the first to understand and adapt new methods and technologies to make sure the mortgage process remains smooth. Her creative background, combined with her legal education, give her a unique perspective on what is really important. Ultimately, the mortgage business is a people business-no matter how much technology is involved-and clients, loan officers, borrowers, realtors, and title agents are people. While working at a Maryland-based savings and loan association, Elizabeth attended law school at night, received her law degree, and was admitted to practice by the Virginia State Bar. Her experience includes saving and loans, federal and private mortgage banks, small broker shops, and large national companies. She has been a loan processor, a compliance officer, a manager of quality control, and oversaw a department of more than 100 underwriters at a large national lender. Elizabeth has remained focused on one thing, and that is making sure the entire mortgage process is as painless as possible for everyone involved.

Job Titles:

• Executive
• President

Faisal Adil has served as an executive, leader, and founder of several mortgage banking ventures over the course of his 25-year career in the industry. He has a great deal of experience running secondary marketing, recruiting, and managing loan originators, standing up new mortgage banking ventures, leading regional mortgage banks back to exceptional profitability, leading multi-billion dollar privately-owned mortgage banks, and managing all parts of the mortgage loan origination process. Faisal was one of the founding employees of a national mortgage bank that went on to become the largest independently-owned mortgage banker in the country. Most recently, he led a Southern Arizona mortgage bank that was previously on a downward trajectory to exponential growth. The company grew from less than $170 million per year in originations to $945 million per year in originations in six years because of Faisal's leadership and ability to recruit, develop, and retain industry-leading sales and operational talent.

Job Titles:

• VP & Senior Loan Officer

Kim Zavatsky worked as a financial consultant, tax preparer, and licensed realtor before discovering mortgage lending in 1992. She now proudly says working as a Loan Officer is her passion. A graduate of the University of Arizona with a degree in finance, Kim has been fortunate enough to educate and assist all types of buyers-from seasoned purchasers to first-time homebuyers. No matter the client, she strives to make the mortgage process understandable and seamless. With years of experience and attention to detail, Kim has been able to find solutions to financing issues that others have overlooked. She views each loan as a partnership, not just a transaction. In her free time, Kim and her husband enjoy traveling, spending time with their two teenage children and two rescue dogs, and volunteering in the community. As a former marathon runner, she loves to hike, walk, and run when she doesn't have too many aches and pains.

Job Titles:

• Senior Vice President, Human Resources

Known as an enterprising, hardworking, and technically-skilled human resources, commission, benefits, and payroll specialist, Laura brings a high level of energy, endless enthusiasm, and a fierce dedication to caring for those around her. She has 10 years' experience in the mortgage industry, and has spent more than two decades working in human resources, payroll, training, and management positions in the financial, service, retail, and education industries. She has also served in various accounting roles. Laura believes her professional background has allowed her to grow and learn a great deal about the world-and is proud of her journey. She is passionate about guiding others, supporting people and processes, providing tools for success, facing challenges head-on, and assisting others in doing so. Even though she's lived in Tucson since she was two years old, Laura considers herself a true Tucsonan and feels extremely connected to her local community. In her free time she enjoys the outdoors, volunteering, practicing yoga, cooking for her large family, and trying to stay humble and grounded. Laura is supported by her husband of more than 15 years, Michael, three sons, their significant others, many rescue dogs and a loving extended family.

Job Titles:

• Executive Vice President
• General Counsel

Raghu Nandan has spent most of his professional career in the mortgage banking industry serving in a variety of leadership and executive management positions. He has spent more than a decade establishing risk management departments and divisions for a variety of businesses, including mortgage banks and start-up entities. Raghu has also litigated as a plaintiff's attorney and consulted for various financial institutions on issues ranging from process enhancements to regulatory compliance and enforcement actions. A member of the State Bar of Arizona and the Association of Corporate Counsel, Raghu is a graduate of the Eller College of Management at the University of Arizona, where he earned his Bachelor of Science in Business Administration. Raghu holds his Juris Doctor degree from the James E. Rogers College of Law. Most recently, Raghu served as the Chair of the Association of Corporate Counsel's Global Real Estate Network.