GUIDANCE RESIDENTIAL - Key Persons
Job Titles:
- Division Manager for the Northern Division
- Senior Vice President Division Manager Northern Division
Based in the New York City area, Abdessamad serves as the Division Manager for the Northern Division. Throughout the years, he has established strong relationships with various community leaders, organized numerous educational seminars on Islamic home financing, and has increased overall brand awareness for the company. Abdessamad earned his bachelor's degree in economics from the University of Marrakesh and took various MBA courses in business ethics and finance from Albertus Magnus College. NMLS# 47212
Job Titles:
- Corporate Controller for Guidance Financial Group
- Vice President Controller Accounting
Den Moyo is the corporate controller for Guidance Financial Group, where he has served since 2013. He is responsible for all financial activities in the company, and oversees the preparation, consolidation and reporting of financial statements for all the company's subsidiaries. Prior to joining Guidance Financial Group, he served as the director of accounting for BerkleyNet.
Job Titles:
- SHARIAH BOARD MEMBER, KUWAIT
Dr. Abdul Sattar Abu Ghuddah was a member of the Shariah Board for the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). He was also a director of the Department of Financial Instruments at Al-Baraka Investment & Development Company, a member of its Shariah Supervisory Board and Shariah Advisor to the parent company, Dallah Al-Baraka Group. He was an active member of the Islamic Fiqh Academy, Jeddah and the Accounting and Auditing Standards Boards of Islamic Financial Institutions. He taught Fiqh and Islamic studies in Riyadh and Kuwait. From 1982-1990 he was a member of the Fatwa Board in the Ministry of Islamic Affairs in Kuwait. He formerly lectured in the faculty of law and Shariah at Kuwait University. Dr. Abu Ghuddah obtained B.A. degrees in Islamic Shariah and in Law from Damascus University. He then went on to earn his M.A. in Shariah and Hadith and his Ph.D. in Shariah and Comparative Fiqh from Al-Azhar University, Cairo.
Job Titles:
- SHARIAH BOARD MEMBER, PAKISTAN
Dr. Usmani has been teaching Islamic sciences for the past fifteen years in Jamia Darul Uloom Karachi and has published several books and articles, including 'Meezan Bank's Guide to Islamic Banking.' Dr. Usmani also serves as a Shariah supervisory board member / Shariah advisor to State Bank of Pakistan, HSBC Amanah Finance, Credit Suisse, Lloyds TSB, Meezan Bank, Pak Kuwait Takaful Co and others. Dr. Usmani holds LLB, M.Phil. and Ph.D. degrees in Islamic finance from Karachi University as well as Alimiyyah and Takhassus degrees in Islamic jurisprudence from Jamia Darul Uloom Karachi.
Job Titles:
- Member of the Shariah Board for the Accounting
- SHARIAH BOARD MEMBER, MALAYSIA
Dr. Mohamad Daud Bakar is a member of the Shariah Board for the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). He is an associate professor in Islamic law and the deputy rector, Student Affairs and Discipline, at the International Islamic University, Malaysia. His areas of specialization include Islamic legal theory, Islamic banking and finance, Islamic law of Zakah and Islamic medical law. Besides his teaching and research assignments, Dr. Mohamad Daud provides Shariah consultancy, structuring and advisory services to various Islamic financial institutions. Dr. Mohamad Daud is currently a Shariah advisor to Guidance Residential Financial Group and a member of the Shariah supervisory board of esteemed organizations such as the Securities Commission of Malaysia, the Central Bank of Malaysia, Takaful Nasional Berhad, HSBC (Malaysia), Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) in Bahrain, Keppel Insurance (Takaful) Ltd of Singapore, the Dow Jones Islamic Market Index and the Malaysian Rating Corporation Bhd. Dr. Mohamad Daud obtained his Bachelor of Shariah from the University of Kuwait in 1988 and was later conferred with a Ph.D. from the University of St. Andrews, Scotland.
Job Titles:
- Professor of Islamic Economics at King Abdulaziz University
- SHARIAH BOARD MEMBER, SAUDI ARABIA
Dr. Elgari is professor of Islamic economics at King Abdulaziz University in Jeddah, Saudi Arabia and formerly director of its Center for Research in Islamic Economics. He is a member of the OIC Islamic Fiqh Academy and of the Academic Committee of the Islamic Development Bank. Dr. Elgari advises numerous Islamic banks and financial institutions worldwide. He authored several books and research papers on the subject of Islamic finance, including a widely used textbook on Islamic economics and frequently lectures on the subject. He is a member of the editorial Boards of the Harvard Law School's 'Harvard Series in Islamic Law' and of the 'Review of Islamic Economics.' Dr. Elgari holds a Ph.D. in economics from the University of California.
Job Titles:
- Executive Vice President, Corporate Governance
Heidi Partida is currently the Executive Vice President, Corporate Governance at Guidance Residential, where she has served for over 11 years in various capacities. She has almost 30 years of experience in various leadership roles in different industries. Her career experience includes organizational development, operational workflow analysis, project management, business analytics, and human resources. She has almost two decades of experience in the mortgage industry. Heidi attended Azusa Pacific University, where she received a Bachelor of Science in Organizational Leadership, and Ashford University, where she received her Master of Business Administration in Human Resources Management. Before joining Guidance Residential, she was the Vice President of Administration at HomeView Lending. NMLS# 1516789
Job Titles:
- National Sales Manager
- Senior Vice President
Hussam Qutub is the Senior Vice President, National Sales Manager for Guidance Residential. Hussam joined Guidance in March 2003 and has served in a variety of Senior and Executive Management roles. His past responsibilities included vice president of Marketing and Communications, where he played a significant role in the company's first ten years of geographic expansion and was instrumental in establishing our brand. Hussam's most recent role was that of President of Guidance Home Services LLC, Guidance Residential's sister company. Before embarking on his career with Guidance, he studied international relations at George Mason University. He specializes in leadership and team building, business development, communications management, branding and positioning, public relations, digital marketing and lead generation.
Job Titles:
- Chairman of the Shariah Board for the Accounting
- CHAIRMAN, PAKISTAN
Justice Usmani is the chairman of the Shariah Board for the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). He has been a member of the Supreme Court of Pakistan since 1982. Presently, he is the vice president of Dar Al Uloom Karachi. Formerly, he was the deputy chairman of the Islamic Fiqh Academy, Jeddah. He is also chairman of the Shariah Supervisory Boards of Guidance Residential Financial Group, U.S.; Saudi American Bank, Jeddah; and Citi Islamic Investment Bank, Bahrain; vice chairman of the Shariah Supervisory Board of Abu Dhabi Islamic Bank; and member of the Shariah Supervisory Boards of Al-Baraka Group, Jeddah; First Islamic Investment Bank, Bahrain; and the Islamic Unit of the United Bank of Kuwait, among others. Justice Usmani holds Alimiyyah and Takhassus degrees from Darul Uloom, Karachi, an M.A. degree from Punjab University and an LLB from Karachi University. On the 11th edition of The Muslim 500, he was selected as the number 1 most influential Muslim in 2020. He was also conferred with 'Sitara-e-Imtiaz' (Star of Excellence) in the field of Public Services by the Government of Pakistan in 2020.
Kal Elsayed, based in Reston, Va., is president and CEO of Guidance Residential where he has overall responsibility for the management and performance of the company. He is a leading U.S. home finance industry executive with broad national experience in all aspects of the business, including sales and operations. He is an accomplished leader in start-up and high-growth business environments and has extensive experience in building motivated teams to achieve and exceed target objectives. He was previously president and CEO of HomeView Lending, where he helped start the company and build its sales and operating structure. Prior to HomeView, he held various executive positions with New Century Mortgage Corp, culminating in the position of President of the Wholesale Division, where he assumed full P&L responsibility and grew annual production from US $4 billion to US $46 billion over a three-year period. NMLS# 26161
Job Titles:
- Chief Operating Officer
- Executive Vice President
Nick Minardi is the Executive Vice President, Chief Operating Officer for Guidance Residential. He initially joined the company in 2011 and has formally acted as its Chief Operations Officer, Chief Risk Officer, and Chief Financial Officer. With over 30 years of banking and mortgage industry experience, he oversees and seeks to continually improve our secondary, capital markets, servicing, and finance activity. NMLS# 12494
Job Titles:
- Chief Marketing Officer
- Senior Vice President
Riffat Lakhani is the Senior Vice President, Chief Marketing Officer for Guidance Residential. She oversees all marketing services and activities for the organization, including brand awareness, lead generation and nurturing, social media, events, content creation, graphic design, and general marketing support. Her background is a fusion of graphic design, real estate sales, business, and marketing. Her dedication to excellence and passion for making a difference keeps her focused. She graduated summa cum laude from George Mason University with a Bachelor of Arts in Graphic Design and a minor in business and multimedia. She received her Master of Business Administration from the University of Maryland - Robert H. Smith School of Business. She is a member of AMA.
Job Titles:
- Division Manager
- Senior Vice President Division Manager Southern Division
Salman Ali is the Division Manager for Corporate Sales and the Southern Division at Guidance Residential. Salman has over 20 years of experience in the banking and financial services industry and has been with Guidance Residential for over 13 years. Salman has a passion for Islamic Financing and enjoys educating others on the subject. Salman is a history enthusiast from Virginia who enjoys collecting and studying historical artifacts. NMLS# 47184
Job Titles:
- Member of the Shariah Board for the Accounting
- SHARIAH BOARD MEMBER, USA
Shaykh DeLorenzo is a member of the Shariah Board for the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). He is considered a leading authority on Islamic finance in the United States. He has translated over twenty books from Arabic, Persian and Urdu for publication, including a three-volume Compendium of Legal Rulings on the Operations of Islamic Banks. Shaykh DeLorenzo has also been a pioneer in internet education with a course entitled 'Principles of Islamic Investing.' He is a member of Shariah Boards of several Islamic financial institutions in the United States and abroad, including Dow Jones Islamic Markets and Guidance Residential Financial Group. Shaykh DeLorenzo has served as secretary of the Fiqh Council of North America and was also an advisor on Islamic education to the government of Pakistan. Following a university education in the United States, Shaykh DeLorenzo studied the classical Shariah Sciences with scholars in Pakistan.
Job Titles:
- Member of the Shariah Board for the Accounting
- SHARIAH BOARD MEMBER, BAHRAIN
Shaykh Nizam Yaquby is a member of the Shariah Board for the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). He has contributed important original research on many aspects of modern Islamic finance, and is considered one of the world's leading experts in the field. He is a member of the Shariah supervisory boards for several Islamic financial institutions, including Guidance Residential Financial Group, Citi Islamic Investment Bank and the Abu Dhabi Islamic Bank. Since 1976, he has taught Tafsir, Hadith and Fiqh in Bahrain. He is also the author of several articles and publications on Islamic finance and other sciences in English and Arabic. Shaykh Yaquby received his M.Sc. in finance from McGill University in Montreal. He was educated in the classical Shariah sciences in his native Bahrain and in Makkah.
Job Titles:
- Chief Credit Officer
- Senior Vice President
Suha Elsayed is the senior vice president, chief credit officer at Guidance Residential, a role in which she has served since 2015. She has over 15 years of experience in home finance operations and management and has been instrumental in training staff on how to increase productivity and efficiency using technology. She has been with Guidance Residential for over 16 years. She served with the company from 2002-2006, and rejoined the organization in 2007. Prior to rejoining the organization, she worked as a senior default underwriter for Freddie Mac. She received a bachelor's degree in information technology and operations management from George Mason University. NMLS# 1389395
Job Titles:
- Vice President Compliance
Susan Palmer is a mortgage compliance professional with over 16 years of experience. Prior to joining Guidance Residential in 2007, she worked as a compliance analyst with First Nationwide Mortgage Corporation and Citimortgage, Inc. She was also engaged as an editorial/research assistant for Andrea Lee Negroni for the Residential Mortgage Lending: Brokers and Pratt's State Regulation of Second Mortgage and Home Equity Loans publications from 2008 through 2012. She received a juris doctor degree from the University of Baltimore School of Law in 2003.
Thomas Gainor - Chief Legal Officer, SVP
Job Titles:
- Chief Legal Counsel
- General Counsel
- Senior Vice - President
Thomas Gainor has served as the Senior Vice-President, General Counsel for the Company since its inception. Prior to serving with Guidance Residential, he worked for five years with a Kuwait based Islamic Investment Bank focusing on product development and advisory services. Tom started his professional career in 1981 after majoring in accounting at the University of Rhode Island. He is a certified public accountant as well as a licensed lawyer. He earned his J.D. and LL.M. in taxation from the University of Miami School of Law.