Management Team
David Colwell, Executive Vice President
David brings more than 23 years of financial services and mortgage banking experience to Loan-Score’s sales and marketing team and is responsible for strategically managing key accounts and developing new services and offerings for the residential lending market. David holds a deep understanding of strategic planning, business development and sales process modeling.
Most recently, David was the senior executive of strategic solutions for Portellus, an LOS and business rules management provider. Before Portellus, David was the managing director at Provision, a financial services consulting and CPA firm focused on business services, coaching, value creation, wealth/tax strategy and compliance. David was also a vice president at Mortgage Cadence where he was focused on strategic business development. Prior to that, he was the managing partner of SDDC Group, a financial services consulting firm focused on planning, technology enablement and operations improvement, where he managed various engagements with top 25 mortgage bankers. In addition, Colwell was also the CEO of United Capital Mortgage Corporation, a correspondent lender with over 300 employees. Prior to United Capital, Colwell was a director at Cap Gemini & Gemini Consulting; vice president of corporate finance at Peakcok, Hislop, Staley & Given; and a senior auditor with Arthur Andersen.
Colwell holds a B.S. in business administration with a concentration in accounting and an M.B.A. with a concentration in finance from Arizona State University.
Jon McGuire, CTO
Jon holds deep experience in an array of lending technologies and is the founder and President of ex10sion Inc., a custom software services firm catering to the mortgage banking and financial services industries. ex10sion designs, integrates and implements leading applications to help clients increase productivity, profitability and management control through automation of the lending process from lead distribution, decisioning, document preparations and wiring. The company is currently tracking to achieve 300%+ growth from 2006 to 2007.
Before ex10sion, Jon worked as the Director of Business Applications and Development at Stonecreek Funding, a national mortgage banker that originates and sells subprime loans. Prior to Stonecreek Funding, Jon worked at Wilmington Finance in Philadelphia where he was in charge of custom development for both internal and external applications.
Before Wilmington Finance, he was a Subject Matter Expert at Provantedge Technologies, a well-known loan origination system (LOS) provider that ascended to the top of the market at an unprecedented rate. Previous to that, he was the Secondary Marketing Officer at U of C Federal Credit Union and was responsible for locking and selling all loans to FNMA. He also ran the credit union's servicing department. Jon has also worked at various capacities at Wells Fargo Home Equity, formerly Norwest Direct.
Jon is a frequent speaker on mortgage technology panels, most notably talking on the subject of lending processes and system integration to help bankers run their business more efficiently. He graduated from the University of Colorado, Boulder with a Bachelor of Science in Economics.
Joe Bowerbank, SVP of Marketing
Joe has more than 12 years of marketing management experience in the technology sector helping to build brands and grow organizations. He is a company building marketing professional who understands what it takes to catapult growing ventures to the next level.
Before joining Loan-Score, Joe was the Director of Marketing at Portellus Inc. (acquired by NASDAQ: FISV), one of the fastest growing enterprise-class mortgage technology vendors in recent years. Prior to Portellus, he headed the marketing strategy at Commerce Velocity Inc., a business process automation firm catering to the mortgage banking industry. Before Commerce Velocity, Joe was the Director of Marketing & Market Adoption at Electronic Distribution Networks Inc. (EDN), a software communications provider serving multiple vertical markets. Ultimately, he fashioned an extremely influential marketing presence that assisted in the facilitation of the company's acquisition by a publicly traded company, (NYSE: PQE). Prior to EDN, Joe worked as a Team Lead on national accounts in the sales and marketing department of MGV Memory Inc., at the time ranked the number two computer memory manufacturer in the U.S.A.
Joe sits on California State University, Fullerton's UEE Advisory Board for their sales and marketing program course development. He holds a B.S. in Business Administration with a concentration in in Marketing from California State University, Fresno and an M.B.A. in Entrepreneurial Management from Concordia University, Irvine.
Holt Crowder, SVP of Business Development
Holt serves as Loan-Score’s director of business development for its national sales team and brings more than 15 years of mortgage banking experience to the company working at both lender and technology vendor capacities. As director of business development, he pursues new revenue opportunities for the company’s automated underwriting system (AUS), product and pricing engine (PPE), point-of-sale (POS) Web portals, and also professional services work.
Prior to joining Loan-Score, Holt was the senior business development management manager at Portellus, an LOS and business rules management provider. Before that, he was senior sales executive for Mortgage Cadence, a provider of software applications for the mortgage banking industry, where he increased Western region sales by more than 50% in the first year. He has also held sales management positions at NovaStar Financial and Aames Home Loan, and served as senior vice president for Imperial Lending where he worked in the wholesale channel.
Holt holds a B.A. in business administration with a concentration in finance from the University of Tennessee.
Pam Powell, SVP of Human Resources & Administration
Pam manages Loan-Score’s Human Resources and Recruiting efforts and brings more than 29 years of Corporate HR experience and credentials. At Loan-Score, Pam oversees all areas of Human Resources which includes employee relations, recruitment, compensation, benefits, OD, payroll, EEO, DOL, DFEH, and facility management.
Previous to Loan-Score, Pam was the Director of Human Resources for Tarbell Realtors’ corporate office, California's largest family owned real estate company. At Tarbell, she led an HR department that managed more than 500 employees and 2800 real estate agents. Prior to Loan-Score she was the Director of Human Resources at Freedom Communications, a privately held information and entertainment company of print publications, broadcast television stations and interactive businesses. At Freedom Communications, Pam managed human resources for the company’s 6,000 employees which includes 33 daily and 77 weekly newspapers as well as its 9 broadcast stations. Prior to that, she was the Director of Human Resources for LA Cellular Telephone Company with 8,000 employees presently AT&T the largest provider of wireless services in the United States with more than 15,000 employees.
Pam received a BA in Human Resources Management from SUSC. She is a member of PIHRA and SHRM.
Kari Ruvalcaba, VP of Client Services
Kari has more than 25 years of client management, sales, service, support and training experience in helping to drive and lead various aspects of customer-facing operations. She holds extensive domain experience in mortgage banking and credit policy analysis.
At Loan-Score, Kari heads the business development efforts and is also instrumental in working with the company’s client relations, training and support teams to ensure the highest standard of service. Prior to Loan-Score, Kari was the Servicing Operations Manager for Master Financial, Inc., a national mortgage banker that purchases and services alternative lending products. While at Master Financial, she was closely involved with all areas of project management, compliance, policy and procedure assurance, disaster recovery management and vendor relations. Before that, Kari was a Senior Credit Analyst at Caliber Corporation where she was responsible for $8 million+ in weekly receivables.
Kari earned a Bachelor of Science and also a Bachelor of Arts from Arizona State University.
Geoff Tavares, Director of Client Training & Support
Geoff holds extensive experience in the mortgage banking industry working at both lender and vendor capacities with complex guidelines and pricing rules. At Loan-Score, Geoff leads the company’s training and support departments where he is responsible for ensuring that customer service is of the highest quality. He oversees all client training activities and schedules for new clients that have purchased Loan-Score’s modules. Geoff also spearheads new program development for the training and support of any new products the company launches. He leads the company’s customer service and support team to provide responsive, impeccable levels of customer service and technical support. Geoff also oversees and works closely with Loan-Score’s quality control center.
Geoff has also held positions in the mortgage industry at GreenPoint Mortgage Corporation, United Financial Mortgage Corporation, and World Savings & Loan.
He holds a Bachelor of Science in Business Management from the University of Phoenix.
