Scott, as the founder and chairman of Commerce Home Mortgage, has more than 25 years of experience in the mortgage industry as he has presided over the company's growth from inception, funding more than $10 billion since 1994. Under his leadership, the company has become a nationwide premiere private mortgage lending organization. Previously, Scott has held executive positions at the Bank of Walnut Creek & First Security Savings Bank. Scott holds a Bachelor’s Degree in Business Administration from St. Mary’s College of California. Outside of work, Scott enjoys golfing, fishing and boating. He is passionate about his friends, family and coaching basketball in the community.
Mario is the CEO and co-owner of Commerce Home Mortgage. He also oversees the financial strategy, operational execution including risk management, and regulatory compliance and reporting for the company. Previously, Mario founded Capital Lending Partners, a wholesale mortgage lending platform, held the position of Executive Vice President Sales & Marketing at Clear Channel Communications, Senior Vice President of Business Development at Eller Media Company, Vice President and General Sales Manager at General Electric Capital (GECC). He is a graduate of St. Mary’s College of California. When Mario is not working, you can usually find him somewhere warm (Southern California) boating, golfing, and spending time with friends and family. Mario is also known for eating healthy and his commitment to staying fit.
Dione, Commerce’s Chief Operating Officer, has had a dynamic extensive career in the Mortgage Banking industry. Her proven track record in Operations, Compliance, Quality Assurance, Secondary, Mortgage Technology and Sales makes her the perfect fit to oversee all mortgage operations at Commerce. Dione joined from Morgan Stanley Private Bank, where she served as the Executive Director and also held senior leadership positions at RoundPoint Mortgage and Strategic Lending Group. Dione will focus on achieving bottom line results by gaining operational efficiencies, implementing new processes and helping drive new profit. Dione was educated at Hampton University in Virginia and also Villanova University where she completed her Lean Six Sigma Black Belt Certification.
Dione is part of several professional organizations include Mortgage Professionals Worldwide, National Association of Professional Women, and Mortgage Bankers Association and Mortgage Technology Professionals.
Ravi is the Chief Financial Officer for Commerce Home Mortgage. Ravi is responsible for establishing and executing on all financial aspects of the company as well as leading all other finance related activity, which include accounting, reporting, treasury, risk management, and financial controls. Prior to joining Commerce, Ravi was the Chief Financial Officer of RoundPoint Mortgage Company and has held finance executive roles in a number of public and private companies in the US and Canada. He brings a wealth of experience in a variety of industry sectors including a strong background in Financial Services. Ravi is passionate about business success and finance and is excited about creating a best in class finance team at Commerce Home Mortgage. Ravi is a Certified Public Accountant and has a Bachelor of Commerce (Honours) Accounting degree from the University of Ottawa. Ravi is a regular speaker at conferences and is also a co-author of several publications through blog posts, and other medium, focused on various financial topics. He enjoys music, reading and spending time with his family.
Michael is the EVP of Commerce Home Mortgage. He oversees the retail and wholesale channels and works closely with each sales VP to help them integrate and succeed with the company's overall growth and business model. Michael was attracted to CHMW when he first discovered the amazing culture and customer service driven team members. When Michael is not working, he can usually be found spending time with family and playing/watching pretty much any sport.
Jeff, VP of Portfolio Management, earned the honor of being one of California’s top producing loan originators for many years. Described in one word, Jeff is persistent. He has more than 20 years of experience in the lending industry and holds a Bachelor’s Degree in Economics from the University of California at Santa Barbara. Outside of work, he enjoys staying active with fly fishing and playing his guitar.
John has more than 30 years of experience in the areas of consumer compliance, audit, accounting, finance, operations, and information technology in the specialized financial services and banking industry. John’s previous work experience includes the Federal Reserve Bank of San Francisco, Bank of America, E-Loan and Union Bank. John holds a Bachelor’s Degree in Business Administration from San Diego State University and two certifications as a CIA and a CISA.
Shain, Commerce’s Vice President of Capital Markets, has been in the Mortgage Banking industry for the last fifteen years in Secondary Marketing/Capital Markets. He relocated with his family to the bay area from Chicago, where he spent the last four years at Guaranteed Rate managing Hedging, Trading and the valuation of their hedged mortgage pipeline. Shain attended Central Washington University where he studied Managerial Economics. Shain’s favorite thing to do is to spend time with his wife and two boys. He is a big sports fan and loves CrossFit, grilling, being outside and hiking.
Faramarz (FM) is the VP of Sales & Recruiting. Before transitioning into the role, FM was a top producer for the Commerce Home Mortgage team for more than a decade, effectively leveraging the company’s industry-leading technology, tools, and resources to originate more than $100m annually. Described in one word, FM is ‘dedicated.’ His commitment to providing the best customer service to all of his clients is rarely matched in the industry. Prior to joining the CHM team, FM owned and operated a web development company in San Diego. He holds a degree in Communications from University of California San Diego. In his free time FM enjoys travel, sports (especially basketball), food and wine.
Kristie is the Vice President of Marketing for Commerce Home Mortgage. She is a veteran of the Silicon Valley tech industry where she worked for a number of high-profile software and digital marketing companies, including Oracle, NetObjects, Topica, eTranslate/Convey and Glam.com (now Mode Media) in a variety of marketing, product and business development roles. Kristie is passionate about marketing and building world-class brands in the digital age and is now applying her high tech experience to the mortgage industry to help CHM better serve its clients. Kristie holds a Bachelor’s Degree in Political Science and International Affairs from the University of California, Riverside and certificates in French from Université de la Méditerranée (Aix-Marseille II) and in System Engineering and Project Management from the University of California, Santa Cruz. Kristie’s passions include travel, architecture and design, art and of course spending time with friends and her family.
Jeremy runs the Information Technology department at Commerce Home Mortgage. With over 20 years of experience as a systems engineer, Jeremy was responsible for growing CHM’s information systems to the enterprise solution that it is today. His previous experience includes Delta Dental of California, Core Logic, and L1 Secure Identity Solutions. Outside of work, Jeremy enjoys surfing and skiing, and is very active with local animal rescue organizations.