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Luis Maizel is HNMA’s co-founder
and Chairman of the Board. Mr. Maizel’s vision of overcoming
the Hispanic homeownership hurdles was the genesis for HNMA. As Chairman,
Mr. Maizel is intimately involved in developing and directing HNMA’ s
overall strategy.
Mr. Maizel is currently the Senior Managing Director
and Investment Group Member for LM Capital, LLC, one of the largest
Hispanic-owned asset management firms in the US. He is co-founder
of the firm and
its parent, LM Advisors. Born and raised in Mexico City, Mr. Maizel
has been active in the global fixed-income market since 1984. His
experience includes serving as vice president of finance for Grupoventas,
S.A.;
faculty member at the Harvard Business School; and president of Industrial
Kuick, S.A. After structuring a favorable buy-out of Kuick in 1984,
Mr. Maizel relocated to San Diego, California. Mr. Maizel has an
undergraduate degree in Industrial Engineering from National University
of Mexico
in 1971 and a Master of Business Administration from Harvard Business
School in 1974, where he graduated as a Baker Scholar, the highest
academic honor.
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Leonardo Simpser is HNMA’s co-Founder and Managing
Director. He is also the Chief Executive Officer at the HNMA Funding
Company from where he leads the strategic direction and oversees
operations for the Company.
Previously, Leonardo was the COO of Señor Snacks, a US-based
Hispanic food company. Before then he was a Senior Analyst at Deutsche
Bank doing Latin American Equity Research, covering a variety of
sectors. Leonardo has been involved in a variety of real estate
projects, primarily in Mexico, spanning from low income housing to
commercial and industrial. He advises/sits on the boards of a handful
of growing companies. Leonardo was born in Mexico and graduated
magna cum laude with a B.S.E in Finance from the Wharton School and
a B.A. with distinction in Political Economy from the College of
Arts and Sciences, both from the University of Pennsylvania. He holds
a Master in Business Administration from Stanford University. In
2005, Leonardo was awarded the Eagle Award to recognize his
leadership achievements within the Hispanic Community.
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Jose Tolosa is a Senior Vice President at HNMA. He is
also the Chief Operating Officer at the HNMA Funding Company from where
he manages day to day operations of the Company.
Previous to his position at HNMA, Jose was a Principal at
The Parthenon Group, a strategy consulting firm based in Boston,
MA, where he advised a number of companies on strategic issues,
with particular focus on the financial services industry. Previously
Jose was an Assistant Vice-President in the Corporate Finance Department
for Claxson Interactive Group, Inc.,
a multi-media entertainment company in Latin America, based in
Buenos Aires, Argentina. Prior to Claxson, he was a Sr.
Associate in the Corporate Finance Department of its predecessor,
El Sitio, Inc., based in Buenos Aires, Argentina. Before his experience
in Argentina, Mr. Tolosa
was a financial analyst in the Latin American Investment Banking
Division for Bear, Stearns and Co., Inc., in New York. Jose was
born and raised in Puerto Rico, graduated magna cum laude with
a B.S. and a double major in Accounting
and Finance
from Georgetown University in Washington D.C., and he holds a Master
in Business Administration from the Harvard Business School.
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Julian Mellicovsky is a Senior Vice President at
HNMA. Within his position Julian is responsible for overseeing
HNMA's interests in ILUMINA, a retail mortgage origination company
jointly
owned by HNMA and Wells Fargo.
Prior to joining HNMA, he worked
with Fresh Ventures LLC, a Florida based Investment Company focusing
on retail investments. Prior to Fresh Ventures LLC, Julian worked
for numerous start ups and corporations in Latin America and the
US including, Easy Group, Dolphin Interventures, and Buenos Aires
based Irsa Group (NYSE:IRS; NASDAQ:CRESY; NASDAQ:APSA), a diversified
real estate and mortgage banking conglomerate, and former outside
manager for George Soros. During his tenure at Irsa Group, Julian
participated in or led several successful private equity investments.
Julian is originally from Argentina and graduated with a Bachelor's
Degree in Business Administration, from Universidad Di Tella and
he holds an MBA from the FW Olin Graduate
School of Business at Babson College.
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Ron Jauregui is a Senior Vice President for
Community Alliances at HNMA. In that capacity, he crafts HNMA’s
relationships with Latino organizations, housing intermediaries, trade
associations, philanthropic foundations, public policy makers and
consumer advocates.
Mr. Jauregui was formerly the Director of HOGAR (Hispanic Ownership, a
Growing American Reality), the Congressional Hispanic Caucus Institute’s
Latino Homeownership Initiative. Prior to that, he served as a member of
HOGAR’s first Fellowship Class of Housing Leaders. Previously, Ron
originated mortgages for the Bank of America where he also served as a
founding member of that Bank’s Spanish Language pilot Fulfillment Team.
Previously he was awarded a non-partisan appointment as a Community
Builder Fellow at the U.S. Dept. of Housing & Urban Development in Santa
Ana, California. His most recent Presidential Appointment occurred
during the Clinton Administration wherein he served as an Advisor for
Hispanic Affairs at the U.S. Dept. of Energy. Ron Jauregui was born and
raised in Los Angeles and Orange Counties, graduated with a BA in
US/Mexico Affairs from Claremont Men’s College and he holds a Juris
Doctorate from the University of California at Los Angeles. The Mortgage
Bankers Association recently granted him his Accredited Mortgage
Professional credential and he is also a graduate of the MBA’s Future
Leaders Program.
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Ann Schnare
Dr. Ann B. Schnare is President and Founder of AB Schnare Associates, an independent
consulting firm specializing in housing and mortgage finance, consumer credit,
fair lending, public policy development and regulatory support. She also
serves as Chair of the Center for Housing Policy. Prior to starting her own
firm, Dr. Schnare was Senior Vice President for Corporate Relations and Vice
President for Financial Research and Housing Economics at Freddie Mac. She
has held a number of senior management positions in the consulting industry,
including Director of the Center for Public Finance and Housing at the Urban
Institute. Dr. Schnare holds a PhD in Economics from Harvard University and
a BA, summa cum laude, from Washington University in St. Louis.
John Gibbons
John Gibbons is a very experienced professional within the mortgage
industry. He currently serves as Overture Technologies Vice-Chairman,
from where he manages strategy and business development. Prior to
Overture, Mr. Gibbons served as Chief Financial Officer at Freddie Mac, responsible
for all aspects of corporate reporting and controls, risk oversight,
data quality and integrity, planning, budgeting, administration,
financial
research and investor relations. Under his direction, the control
system at Freddie Mac won national recognition and the Treasury function was
awarded the Alexander Hamilton Award. Mr. Gibbons led the effort
to
reduce the corporation’s reliance on securitization financing
and expand portfolio lending, designed and implemented a corporate
capital allocation system to integrate risk and return decisions,
and established a department of market risk oversight. Prior to serving
as CFO, John was Senior Vice President of Corporate Relations and
Assistant
to the Chairman at Freddie Mac, supervising the press and government
relations functions.
Before joining Freddie Mac, Mr. Gibbons worked
as an investment banker with Merrill Lynch covering government and
supranational agencies,
government-sponsored enterprises, banks and thrifts. John joined
Merrill Lynch from Standard & Poor’s, where he was instrumental in
establishing criteria for the rating of mortgage- and asset-backed
securities. He holds a BA from Harvard College, a PhD from the Government
Department from Harvard University, and an MBA from the Wharton School
at the University of Pennsylvania.
Bill Kelvie
Overture’s founder and CEO, was Chief Information Officer (CIO) and Executive
Vice President of Fannie Mae for over 10 years. Under his leadership, Fannie
Mae led a mortgage industry transformation, developing web-delivered, instant
loan approvals. This keystone of online loan approval is tied to a suite of supporting
systems in loan processing, pricing and delivery, automated underwriting, loss
mitigation, credit modeling, and integration with legacy systems. Through the
technology implemented by Bill and his team, the cost of originating a loan dropped
by 60-70% for most lenders and approval times dropped from 30 days to 30 minutes
or less.
Prior to Fannie Mae, Bill was a partner with Nolan, Norton & Company.
As Managing Partner of their New York office, which he opened in
1986, he developed information technology strategies for leading
investment and money center banks in the United States and Europe.
Before joining Nolan, Norton & Company, he designed and implemented
large application systems for the Dexter Corporation and The Travelers.
Bill also serves on the boards of Homestore.com, an Internet corporation
that is the leader in residential real estate, and Viant, a leading
Web development company.
Robert Van Order
From 1987 until 2002 Robert Van Order was Chief Economist of Freddie Mac, where
he was involved in a wide range of financial and mortgage market research and
analysis. He has taught at UCLA, Purdue University, the University of Southern
California, Queens University in Canada, American University in Washington,
D.C., Ohio State University, George Washington University and the Wharton School
at the University of Pennsylvania. He was Senior Research Associate at the
Urban Institute in Washington, D.C, and he has worked at U.S. Department of
Housing and Urban Development. He has consulted on mortgage markets in Sri
Lanka, India, Latvia, Russia, Ghana, Nicaragua, Brazil, Egypt, Colombia, Poland
and Pakistan. He is currently on the Board of Directors of the National Mortgage
Company in Russia and is teaching at the University of Michigan and the University
of Aberdeen in Scotland.
Michael Goldberg
Michael A. Goldberg is founder and Chief Executive Officer of Credit Facilitator
Solutions, LLC a company dedicated to assisting financial institutions model,
evaluate and price mortgage credit-risk exposure. Dr. Goldberg has over 20
years experience in modeling credit risk including 17 years at Fannie Mae where,
as Vice President for Financial Analysis, he was responsible for designing
and developing Fannie Mae’s first generation of credit-risk models. Prior
to Fannie Mae, he was an economist at the Federal Reserve Board in Washington,
D.C. and an Assistant Professor of Finance at Indiana University. He has published
numerous papers in the fields of asset pricing and financial institutions and
holds a B.A. in economics from the University of Michigan and M.B.A. and Ph.D.
degrees in finance from Northwestern University.
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