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Leadership

Leadership

Scratch the surface of any member of our leadership team and you’ll find the values that characterize Towne Mortgage Company.

Andrew Smith

Andrew Smith

Chief Executive Officer

Andrew Smith

Mr. Andrew Smith serves as the Chief Executive Officer of Towne Mortgage Company. He serves on the board at American Community Homes as a stakeholder and as CEO. Andrew is a veteran in the financial services industry. He has more than 25 years of experience in fixed income markets and has modeled, traded and constructed portfolios of RMBS and CMBS over that time. He leads Towne’s Executive Committee along with the Chairman and is a member of the Residential Board of Governors of the Mortgage Bankers Association (RESBOG).

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Dale LeFebvre

Dale LeFebvre

Chairman

Dale LeFebvre

Mr. Dale LeFebvre is the Chairman of Towne Mortgage Company. Dale serves on the Board at American Community Homes as Chairman.  He leads Towne’s Executive Committee along with the CEO.  Dale is also the founder and Chairman of 3.5.7.11, a holding company that creates value for technology driven companies through the proprietary methodology of Transformational Investing™. Dale has managed and raised more than $1 billion in institutional capital.

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Andrew Smith

Mr. Andrew Smith serves as the Chief Executive Officer of Towne Mortgage Company. He serves on the board at American Community Homes as a stakeholder and as CEO. Andrew is a veteran in the financial services industry. With more than 25 years of experience in fixed income markets, he has modeled, traded and constructed portfolios of RMBS and CMBS over that time. He leads Towne’s Executive Committee along with the Chairman and is a member of the Residential Board of Governors of the Mortgage Bankers Association (RESBOG).

Prior to joining American Community Homes, Andrew was the CEO at BroadStreet Capital Partners. Here, he set up more than 15 investment vehicles and raised over $1.6 billion in equity and $5.5 billion in debt. While at BroadStreet, Andrew was on the Executive Committee and headed Advisory Business, which involved litigation, advice and balance sheet restructuring primarily focused on mortgages and their derivatives. Prior to working with BroadStreet, he was the Executive Vice President and Chairman of the Investment Committee for Republic National Bank of New York, with an active book of US mortgages over $7.5 billion.
He was a Research Fellow and Lecturer at the University of Oxford and has a Master of Science in Economics from the London School of Economics. Additionally, he was Fellow, Wolfson College, University of Oxford.

Andrew is passionate about affordable housing and works diligently to make it more accessible. He personally initiated, and leads, the Community Outreach program at Towne. He is a wine aficionado and, in his free time, an avid sailor. He has competed in various international regattas over the past two decades. He also coaches basketball for his son’s team.

Dale LeFebvre

Mr. Dale LeFebvre is the Chairman of Towne Mortgage Company. Dale serves on the Board at American Community Homes as Chairman. He leads Towne’s Executive Committee along with the CEO. Dale is also the founder and Chairman of 3.5.7.11, a holding company that creates value for technology driven companies through the proprietary methodology of Transformational Investing™. Dale has managed and raised more than $1 billion in institutional capital. He is an alumnus of McKinsey & Company and is the recipient of a Bell Labs Fellowship, a Harvard Law Traphagen and the 2006 Aspen Institute Henry Crown Fellowship. He also holds multiple patents.

An engaged participant in his community, Dale serves on several boards including the Abraham Lincoln National Council of Ford’s Theater Society, the President’s Advisory Committee on the Arts for the John F. Kennedy Center for the Performing Arts and the University of the Virgin Islands Foundation, where he has endowed a fellowship. He is also an emeritus board member of the National Urban League. Dale is Vice Chair of the Democratic National Committee’s National Finance Committee and a member of the Young Presidents’ Organization.

Dale holds an Electrical Engineering degree from the Massachusetts Institute of Technology. He is a graduate of Harvard Business School as well as Harvard Law School and is currently pursuing a Master of Fine Arts.

A passionate food enthusiast, Dale has cooked for various restaurateurs, oenophiles, celebrities and the President of the United States.

Andrew Smith

Andrew Smith

Chief Executive Officer

Andrew Smith

Mr. Andrew Smith serves as the Chief Executive Officer of Towne Mortgage Company. He serves on the board at American Community Homes as a stakeholder and as CEO. Andrew is a veteran in the financial services industry. With more than 25 years of experience in fixed income markets, he has modeled, traded and constructed portfolios of RMBS and CMBS over that time. He leads Towne’s Executive Committee along with the Chairman and is a member of the Residential Board of Governors of the Mortgage Bankers Association (RESBOG).

Prior to joining American Community Homes, Andrew was the CEO at BroadStreet Capital Partners. Here, he set up more than 15 investment vehicles and raised over $1.6 billion in equity and $5.5 billion in debt. While at BroadStreet, Andrew was on the Executive Committee and headed Advisory Business, which involved litigation, advice and balance sheet restructuring primarily focused on mortgages and their derivatives. Prior to working with BroadStreet, he was the Executive Vice President and Chairman of the Investment Committee for Republic National Bank of New York, with an active book of US mortgages over $7.5 billion.
He was a Research Fellow and Lecturer at the University of Oxford and has a Master of Science in Economics from the London School of Economics. Additionally, he was Fellow, Wolfson College, University of Oxford.

Andrew is passionate about affordable housing and works diligently to make it more accessible. He personally initiated, and leads, the Community Outreach program at Towne. He is a wine aficionado and, in his free time, an avid sailor. He has competed in various international regattas over the past two decades. He also coaches basketball for his son’s team.

Dale LeFebvre

Dale LeFebvre

Chairman

Dale LeFebvre

Mr. Dale LeFebvre is the Chairman of Towne Mortgage Company. Dale serves on the Board at American Community Homes as Chairman. He leads Towne’s Executive Committee along with the CEO. Dale is also the founder and Chairman of 3.5.7.11, a holding company that creates value for technology driven companies through the proprietary methodology of Transformational Investing™. Dale has managed and raised more than $1 billion in institutional capital. He is an alumnus of McKinsey & Company and is the recipient of a Bell Labs Fellowship, a Harvard Law Traphagen and the 2006 Aspen Institute Henry Crown Fellowship. He also holds multiple patents.

An engaged participant in his community, Dale serves on several boards including the Abraham Lincoln National Council of Ford’s Theater Society, the President’s Advisory Committee on the Arts for the John F. Kennedy Center for the Performing Arts and the University of the Virgin Islands Foundation, where he has endowed a fellowship. He is also an emeritus board member of the National Urban League. Dale is Vice Chair of the Democratic National Committee’s National Finance Committee and a member of the Young Presidents’ Organization.

Dale holds an Electrical Engineering degree from the Massachusetts Institute of Technology. He is a graduate of Harvard Business School as well as Harvard Law School and is currently pursuing a Master of Fine Arts.

A passionate food enthusiast, Dale has cooked for various restaurateurs, oenophiles, celebrities and the President of the United States.

Phillip Kukafka

Phillip Kukafka

Director of Capital Markets

Phillip Kukafka

Mr. Phillip Kukafka is the Director of Capital Markets for Towne Mortgage and a member of its Executive Committee. Prior to working with Towne, Phillip worked for The Money Source (TMS) and was an integral part of increasing business from $20 million per month to $500 million per month.
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Stephanie O'Harris

Stephanie O’Harris

Director of Servicing

Stephanie O’Harris

Ms. Stephanie O’Harris is the Director of Servicing at Towne Mortgage Company and an Executive Committee member. She has been with Towne since 2007, serving as Accounting Manager before transitioning to her current role in 2013. She is responsible for managing the operations of the Servicing Department…
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Dan Calcaterra

Dan Calcaterra

Vice President &
Senior Director of National Retail Sales

Daniel Calcaterra

Mr. Daniel Calcaterra is the Director of Retail Sales at Towne Mortgage Company and a member of its Executive Committee. Daniel has been in the mortgage banking and real estate finance industry for over 25 years. He has held numerous positions at Towne including Branch Manager, Production Manager and…
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Kim Alexander

Kim Alexander

Director of Operations

Kim Alexander

Ms. Kim Alexander is the Director of Operations for Towne Mortgage Company. Kim has been in the mortgage industry for more than 18 years, 15 of those with Towne and now serves on its Executive Committee. Kim is a member of Towne’s Executive Committee and is responsible for managing operations…
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Mark Bigelow

Mark Bigelow

Director of Sales for AmeriCU

Mark Bigelow

Mr. Mark Bigelow is the Director of Sales for AmeriCU and a member of the Towne Mortgage Executive Committee. AmeriCU provides mortgage services exclusively to credit unions. Mark is a senior management professional with more than 20 years of experience in operations and sales within the lending industry…
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Phillip Kukafka

Executive Committee Member

Mr. Phillip Kukafka is the Director of Capital Markets for Towne Mortgage and a member of its Executive Committee.

Prior to working with Towne, Phillip worked for The Money Source (TMS) and was an integral part of increasing business from $20 million per month to $500 million per month. While at TMS, he was involved in all aspects of the company including capital markets, operations, implementing risk management procedures, securitization, hedging strategies, sales and loan purchasing.

Prior to working at TMS, he ran the capital markets team at MortgageIT, having sold over $150 billion in mortgage loans to various Wall Street banks. He was also a member of the executive team that assisted in taking MortgageIT public.

Phillip is a CPA and has worked at various public accounting firms. He studied Accounting at Fredonia State University.

In his free time, Phillip, an equal opportunity sportsman, enjoys water skiing, snowmobiling hockey and golf.

Stephanie O’Harris

Executive Committee Member

Ms. Stephanie O’Harris is the Director of Servicing at Towne Mortgage Company and an Executive Committee member. She has been with Towne since 2007, serving as Accounting Manager before transitioning to her current role in 2013.

She is responsible for managing the operations of the Servicing Department, which includes customer service, investor and custodial accounting, escrows, payment application, 203K processing, foreclosure, bankruptcy, loss mitigation, property preservation and claims processing. Most recently, Stephanie served as project manager for a successful servicing platform system conversion.

Stephanie has worked in mortgage banking and servicing for 26 years. Throughout her career, she has held management roles for the National Bank of Detroit and ABN AMRO Mortgage Group. She studied Accounting at Michigan State University.

A true nature lover, Stephanie enjoys being active outdoors and spends much of her free time cycling, running and reading.

Dan Calcaterra

Executive Committee Member

Mr. Daniel Calcaterra is the Director of Retail Sales at Towne Mortgage Company and a member of its Executive Committee.

Daniel has been in the mortgage banking and real estate finance industry for over 25 years. He has held numerous positions at Towne including Branch Manager, Production Manager and Vice President of Sales. As a loan officer, his goal is simple: provide the information borrowers need to make educated decisions by consulting and providing options. Daniel works diligently to ensure borrowers are comfortable with the decisions they are making.

Daniel studied Finance at the University of Detroit and is a graduate of the School of Mortgage Banking, where he achieved the designation of Accredited Mortgage Professional (AMP). He is an alumnus of the Mortgage Bankers Association (MBA) Future Leaders program and past president of the Michigan Mortgage Lenders Association (MMLA). Daniel also holds the MBA Certified Mortgage Banker (CMB) Designation.

Kim Alexander

Executive Committee Member

Ms. Kim Alexander is the Director of Operations for Towne Mortgage Company. Kim has been in the mortgage industry for more than 18 years, 15 of those with Towne and now serves on its Executive Committee.

Kim is a member of Towne’s Executive Committee and is responsible for managing operations as well as a segregated area of the compliance department.

She is a past president of the Michigan Mortgage Lenders Association (MMLA) and is an active member of the Mortgage Bankers Association (MBA), several regional credit union support organizations and has served on various local and national committees. She has completed several courses throughout her career, including the MBA’s School of Mortgage Banking courses I and II. .

She studied business at the University of Michigan and holds both a Certified Mortgage Banker (CMB) designation and a Certified Residential Originator (CRO) designation from the MBA.

When she’s not working, Kim is actively involved with the Susan G. Komen Race for the Cure and enjoys volunteering her time to this and other non-profit organizations.

Mark Bigelow

Executive Committee Member

Mr. Mark Bigelow is the Director of Sales for AmeriCU and a member of the Towne Mortgage Executive Committee. AmeriCU provides mortgage services exclusively to credit unions.

Mark is a senior management professional with more than 20 years of experience in operations and sales within the lending industry, specializing in residential mortgages. At AmeriCU, Mark is responsible for the recruitment, development and management of loan officers at all AmeriCU Mortgage sites.

Prior to working with AmeriCU, Mark was a managing member of DM Management Services, LLC DBA, where he established a management service company that simplified mitigation processes between consumers and realtors when negotiating with mortgage servicers.

Mark studied Mathematics at Michigan State University and is a member of the Mortgage Bankers Association (MBA) and the Michigan Mortgage Lenders Association (MMLA).

When he’s not in the office, Mark is a soccer fan and enjoys traveling with his family.

Phillip Kukafka

Phillip Kukafka

Director of Capital Markets

Phillip Kukafka

Executive Committee Member

Mr. Phillip Kukafka is the Director of Capital Markets for Towne Mortgage and a member of its Executive Committee.

Prior to working with Towne, Phillip worked for The Money Source (TMS) and was an integral part of increasing business from $20 million per month to $500 million per month. While at TMS, he was involved in all aspects of the company including capital markets, operations, implementing risk management procedures, securitization, hedging strategies, sales and loan purchasing.

Prior to working at TMS, he ran the capital markets team at MortgageIT, having sold over $150 billion in mortgage loans to various Wall Street banks. He was also a member of the executive team that assisted in taking MortgageIT public.

Phillip is a CPA and has worked at various public accounting firms. He studied Accounting at Fredonia State University.

In his free time, Phillip, an equal opportunity sportsman, enjoys water skiing, snowmobiling hockey and golf.

Stephanie O'Harris

Stephanie O’Harris

Director of Servicing

Stephanie O’Harris

Executive Committee Member

Ms. Stephanie O’Harris is the Director of Servicing at Towne Mortgage Company and an Executive Committee member. She has been with Towne since 2007, serving as Accounting Manager before transitioning to her current role in 2013.

She is responsible for managing the operations of the Servicing Department, which includes customer service, investor and custodial accounting, escrows, payment application, 203K processing, foreclosure, bankruptcy, loss mitigation, property preservation and claims processing. Most recently, Stephanie served as project manager for a successful servicing platform system conversion.

Stephanie has worked in mortgage banking and servicing for 26 years. Throughout her career, she has held management roles for the National Bank of Detroit and ABN AMRO Mortgage Group. She studied Accounting at Michigan State University.

A true nature lover, Stephanie enjoys being active outdoors and spends much of her free time cycling, running and reading.

Dan Calcaterra

Dan Calcaterra

Vice President &
Senior Director of National Retail Sales

Dan Calcaterra

Executive Committee Member

Mr. Daniel Calcaterra is the Director of Retail Sales at Towne Mortgage Company and a member of its Executive Committee.

Daniel has been in the mortgage banking and real estate finance industry for over 25 years. He has held numerous positions at Towne including Branch Manager, Production Manager and Vice President of Sales. As a loan officer, his goal is simple: provide the information borrowers need to make educated decisions by consulting and providing options. Daniel works diligently to ensure borrowers are comfortable with the decisions they are making.

Daniel studied Finance at the University of Detroit and is a graduate of the School of Mortgage Banking, where he achieved the designation of Accredited Mortgage Professional (AMP). He is an alumnus of the Mortgage Bankers Association (MBA) Future Leaders program and past president of the Michigan Mortgage Lenders Association (MMLA). Daniel also holds the MBA Certified Mortgage Banker (CMB) Designation.

Kim Alexander

Kim Alexander

Director of Operations

Kim Alexander

Executive Committee Member

Ms. Kim Alexander is the Director of Operations for Towne Mortgage Company. Kim has been in the mortgage industry for more than 18 years, 15 of those with Towne and now serves on its Executive Committee.

Kim is a member of Towne’s Executive Committee and is responsible for managing operations as well as a segregated area of the compliance department.

She is a past president of the Michigan Mortgage Lenders Association (MMLA) and is an active member of the Mortgage Bankers Association (MBA), several regional credit union support organizations and has served on various local and national committees. She has completed several courses throughout her career, including the MBA’s School of Mortgage Banking courses I and II. .

She studied business at the University of Michigan and holds both a Certified Mortgage Banker (CMB) designation and a Certified Residential Originator (CRO) designation from the MBA.

When she’s not working, Kim is actively involved with the Susan G. Komen Race for the Cure and enjoys volunteering her time to this and other non-profit organizations.

Mark Bigelow

Mark Bigelow

Director of Sales for AmeriCU

Mark Bigelow

Executive Committee Member

Mr. Mark Bigelow is the Director of Sales for AmeriCU and a member of the Towne Mortgage Executive Committee. AmeriCU provides mortgage services exclusively to credit unions.

Mark is a senior management professional with more than 20 years of experience in operations and sales within the lending industry, specializing in residential mortgages. At AmeriCU, Mark is responsible for the recruitment, development and management of loan officers at all AmeriCU Mortgage sites.

Prior to working with AmeriCU, Mark was a managing member of DM Management Services, LLC DBA, where he established a management service company that simplified mitigation processes between consumers and realtors when negotiating with mortgage servicers.

Mark studied Mathematics at Michigan State University and is a member of the Mortgage Bankers Association (MBA) and the Michigan Mortgage Lenders Association (MMLA).

When he’s not in the office, Mark is a soccer fan and enjoys traveling with his family.

Raina Shakdher

Raina Shakdher

Vice President, Director of Corporate
Strategy & Interim HR Director

Raina Shakdher

Ms. Raina Shakdher is the Vice President, Director of Corporate Strategy and Interim Human Resources Director at Towne Mortgage Company. She has extensive experience in regulatory compliance, transaction structuring, taxation, enterprise risk management, process integration and…
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Rich Walkowski

Richard Walkowski

Chief Financial Officer

Richard Walkowski

Mr. Richard Walkowski is the Chief Financial Officer of Towne Mortgage Company and a member of the Executive Committee. He has spent over a decade in the residential real estate and mortgage industry. Before coming to Towne, Richard worked in financial and operations consulting for Garden Fresh Gourmet…
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Pam Trudeau

Pam Trudeau

Chief Credit Officer &
Director of Underwriting

Pamela Trudeau

Ms. Pamela Trudeau is the Chief Credit Officer and Director of Underwriting at Towne Mortgage Company. She has more than 25 years of experience in the mortgage industry, primarily focused on underwriting and risk management. She has held management roles in various companies for the…
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Gregory Walker

Gregory Walker

Chief Compliance Officer &
General Counsel

Gregory Walker

Mr. Gregory Walker serves as General Counsel and Chief Compliance Officer for Towne Mortgage Company as well as an Executive Committee member. Gregory also serves as Secretary and General Counsel to American Community Homes. He is responsible for the Quality Control and Licensing departments.
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Adam Salti

Adam Salti

Director of Correspondent Lending

Adam Salti

Mr. Adam Salti is the Director of Correspondent Lending for ACH Trust, a wholly owned subsidiary of Towne Mortgage Company, and a member of the Executive Committee. He is a mortgage industry veteran with more than 15 years of lending experience and over 20 years in the finance industry.
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Raina Shakdher

Ms. Raina Shakdher is the Vice President, Director of Corporate Strategy and Interim Human Resources Director at Towne Mortgage Company. She has extensive experience in regulatory compliance, transaction structuring, taxation, enterprise risk management, process integration and internal control.

Raina works with the executive team to promote company growth through strategic partnerships as well as the integration of newly acquired companies. She works closely with the Operations, Financing, Servicing, Sales, Marketing and Human Resources departments with a primary focus on project management processes, execution and oversight.

Prior to working with Towne, Raina was the Chief Financial Officer at the BroadStreet Group of Companies, where she was responsible for the firm’s finance and operations including tax and strategic planning, corporate governance, infrastructure management and compliance activities. While at BroadStreet, she was a member of the Executive Committee and assisted in the structuring of multiple investment vehicles with over $1 billion in equity and $5.5 billion in debt. Additionally, she was a principal in their client advisory division, which facilitated restructuring of balance sheets.

Before joining BroadStreet, she worked in media planning for luxury brands at The Interpublic Group of Companies, Inc. Currently, Raina sits on the boards of various procurement entities as an advisor on leveraging purchasing power effectively and mergers and acquisitions.

Raina studied Finance and Marketing at New York University’s Stern School of Business. She is a passionate animal rights advocate and is actively involved with whale conservation.

Richard Walkowski

Mr. Richard Walkowski is the Chief Financial Officer of Towne Mortgage Company and a member of the Executive Committee. He has spent over a decade in the residential real estate and mortgage industry.

Before coming to Towne, Richard worked in financial and operations consulting for Garden Fresh Gourmet, where he drove improvements in one of their divisions by prioritizing enhancements to the product lineup, process and equipment. Richard also directed financial reporting for REDICO, LLC, where he assisted the company as it worked its way through financial crisis and transitioned the firm’s various partnerships to a new accounting system.

As Vice President at Crosswinds National, he directed the financial and market analysis of 30 projects in seven states and evaluated the feasibility of potential deals. Richard was an Area Vice President at Pulte Homes, where he managed strategic planning and feasibility studies for the Great Lakes Region. He gained brand, product and international financial experience at General Motors in a variety of positions before being recruited to the real estate industry. Richard began his career with Ernst and Young. He is a Certified Public Accountant.

Richard studied Accounting at the University of Michigan in Ann Arbor where he also earned an MBA with Distinction. He is an animal lover and a fitness follower.

Pam Trudeau

Executive Committee Member

Ms. Pamela Trudeau is the Chief Credit Officer and Director of Underwriting at Towne Mortgage Company.

She has more than 25 years of experience in the mortgage industry, primarily focused on underwriting and risk management. She has held management roles in various companies for the past 27 years and employed with Towne Mortgage Company for the past 19 years.

She holds industry certifications as an FHA Delegated Underwriter, a VA Automatic Approved Underwriter and a VA Certified LAPP Reviewer. She has participated in various industry work groups within The U.S. Department of Housing and Urban Development, Fannie Mae and the Michigan Mortgage Lenders Association (MMLA).

Pam studied at Oakland University and is a graduate of the Mortgage Bankers Association’s (MBA) School of Mortgage Banking. She also holds an MBA Certified Mortgage Bankers (CMB) Designation.

In her free time, Pam enjoys spending time outdoors. She’s loves to garden and is passionate about environmental conservation.

Gregory Walker

Mr. Gregory Walker serves as General Counsel and Chief Compliance Officer for Towne Mortgage Company as well as an Executive Committee member.

Gregory also serves as Secretary and General Counsel to American Community Homes. He is responsible for the Quality Control and Licensing departments. Prior to joining Towne, he was Senior Internal Counsel at UBS AG, Morgan Stanley and Credit Suisse as well as a practicing attorney at the law firms of Cravath, Swaine & Moore and Brown & Wood. Gregory is a recognized expert in securities law and finance, topics on which he regularly speaks before industry panels and trade groups

Gregory is a graduate of Fordham University’s School of Law, where he was a member of the Fordham Law Review. He also attended Georgetown University’s School of Foreign Service.

An avid reader, Gregory is a history buff and enjoys books on historical non-fiction in his free time.

Adam Salti

Mr. Adam Salti is the Director of Correspondent Lending for ACH Trust, a wholly owned subsidiary of Towne Mortgage Company, and a member of the Executive Committee. He is a mortgage industry veteran with more than 15 years of lending experience and over 20 years in the finance industry.

Prior to joining American Community Homes Trust, he was a principal at Associated Mortgage Bankers, Inc., a Melville, New York based multi-state mortgage lender. There, he grew the forward retail lending platform from under $50 million to approximately $500 million in annual production. In addition, he started and built the HECM (reverse) division into a nationally recognized industry leader. After starting the HECM platform, he sold the division to American Advisors Group in 2014, who is the industry’s current market share leader.

Prior to joining Associated Mortgage Bankers, Inc., Adam was involved in the finance and sales side of First Fidelity Mortgage Group, a New York based mortgage broker. He was instrumental in growing the company from a two-state, $20 million annual production operation in 2003, to a 20-state, $400 million annual production operation in 2007. Adam has also worked in corporate finance at BNP Paribas as well as Goldstein, Golub and Kessler & Co.

Adam studied Accounting at the University of Maryland before earning an MBA in Finance from New York University’s Stern School of Business.

Adam enjoys golfing, working out and is a dedicated New York Islanders fan.

Raina Shakdher

Raina Shakdher

Vice President &
Director of Corporate Strategy

Raina Shakdher

Ms. Raina Shakdher is the Vice President, Director of Corporate Strategy and Interim Human Resources Director at Towne Mortgage Company. She has extensive experience in regulatory compliance, transaction structuring, taxation, enterprise risk management, process integration and internal control.

Raina works with the executive team to promote company growth through strategic partnerships as well as the integration of newly acquired companies. She works closely with the Operations, Financing, Servicing, Sales, Marketing and Human Resources departments with a primary focus on project management processes, execution and oversight.

Prior to working with Towne, Raina was the Chief Financial Officer at the BroadStreet Group of Companies, where she was responsible for the firm’s finance and operations including tax and strategic planning, corporate governance, infrastructure management and compliance activities. While at BroadStreet, she was a member of the Executive Committee and assisted in the structuring of multiple investment vehicles with over $1 billion in equity and $5.5 billion in debt. Additionally, she was a principal in their client advisory division, which facilitated restructuring of balance sheets.

Before joining BroadStreet, she worked in media planning for luxury brands at The Interpublic Group of Companies, Inc. Currently, Raina sits on the boards of various procurement entities as an advisor on leveraging purchasing power effectively and mergers and acquisitions.

Raina studied Finance and Marketing at New York University’s Stern School of Business. She is a passionate animal rights advocate and is actively involved with whale conservation.

Rich Walkowski

Richard Walkowski

Chief Financial Officer

Richard Walkowski

Mr. Richard Walkowski is the Chief Financial Officer of Towne Mortgage Company and a member of the Executive Committee. He has spent over a decade in the residential real estate and mortgage industry.

Before coming to Towne, Richard worked in financial and operations consulting for Garden Fresh Gourmet, where he drove improvements in one of their divisions by prioritizing enhancements to the product lineup, process and equipment. Richard also directed financial reporting for REDICO, LLC, where he assisted the company as it worked its way through financial crisis and transitioned the firm’s various partnerships to a new accounting system.

As Vice President at Crosswinds National, he directed the financial and market analysis of 30 projects in seven states and evaluated the feasibility of potential deals. Richard was an Area Vice President at Pulte Homes, where he managed strategic planning and feasibility studies for the Great Lakes Region. He gained brand, product and international financial experience at General Motors in a variety of positions before being recruited to the real estate industry. Richard began his career with Ernst and Young. He is a Certified Public Accountant.

Richard studied Accounting at the University of Michigan in Ann Arbor where he also earned an MBA with Distinction. He is an animal lover and a fitness follower.

Pam Trudeau

Pam Trudeau

Chief Credit Officer &
Director of Underwriting

Pam Trudeau

Executive Committee Member

Ms. Pamela Trudeau is the Chief Credit Officer and Director of Underwriting at Towne Mortgage Company.

She has more than 25 years of experience in the mortgage industry, primarily focused on underwriting and risk management. She has held management roles in various companies for the past 27 years and employed with Towne Mortgage Company for the past 19 years.

She holds industry certifications as an FHA Delegated Underwriter, a VA Automatic Approved Underwriter and a VA Certified LAPP Reviewer. She has participated in various industry work groups within The U.S. Department of Housing and Urban Development, Fannie Mae and the Michigan Mortgage Lenders Association (MMLA).

Pam studied at Oakland University and is a graduate of the Mortgage Bankers Association’s (MBA) School of Mortgage Banking. She also holds an MBA Certified Mortgage Bankers (CMB) Designation.

In her free time, Pam enjoys spending time outdoors. She’s loves to garden and is passionate about environmental conservation.

Gregory Walker

Gregory Walker

Chief Compliance Officer &
General Counsel

Gregory Walker

Mr. Gregory Walker serves as General Counsel and Chief Compliance Officer for Towne Mortgage Company as well as an Executive Committee member.

Gregory also serves as Secretary and General Counsel to American Community Homes. He is responsible for the Quality Control and Licensing departments. Prior to joining Towne, he was Senior Internal Counsel at UBS AG, Morgan Stanley and Credit Suisse as well as a practicing attorney at the law firms of Cravath, Swaine & Moore and Brown & Wood. Gregory is a recognized expert in securities law and finance, topics on which he regularly speaks before industry panels and trade groups

Gregory is a graduate of Fordham University’s School of Law, where he was a member of the Fordham Law Review. He also attended Georgetown University’s School of Foreign Service.

An avid reader, Gregory is a history buff and enjoys books on historical non-fiction in his free time.

Adam Salti

Adam Salti

Director of Correspondent Lending

Adam Salti

Mr. Adam Salti is the Director of Correspondent Lending for ACH Trust, a wholly owned subsidiary of Towne Mortgage Company, and a member of the Executive Committee. He is a mortgage industry veteran with more than 15 years of lending experience and over 20 years in the finance industry.

Prior to joining American Community Homes Trust, he was a principal at Associated Mortgage Bankers, Inc., a Melville, New York based multi-state mortgage lender. There, he grew the forward retail lending platform from under $50 million to approximately $500 million in annual production. In addition, he started and built the HECM (reverse) division into a nationally recognized industry leader. After starting the HECM platform, he sold the division to American Advisors Group in 2014, who is the industry’s current market share leader.

Prior to joining Associated Mortgage Bankers, Inc., Adam was involved in the finance and sales side of First Fidelity Mortgage Group, a New York based mortgage broker. He was instrumental in growing the company from a two-state, $20 million annual production operation in 2003, to a 20-state, $400 million annual production operation in 2007. Adam has also worked in corporate finance at BNP Paribas as well as Goldstein, Golub and Kessler & Co.

Adam studied Accounting at the University of Maryland before earning an MBA in Finance from New York University’s Stern School of Business.

Adam enjoys golfing, working out and is a dedicated New York Islanders fan.