Howard Michalski work email
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Howard Michalski personal email
I learned about attitude, accountability and leadership in the Army. Flew around in helicopters and did cool spy stuff. No, really. I built tech. for governments (sometimes ours) to manage planes or track down criminals; for bankers to lend and manage zillions of dollars; and consumer online services to capture your attention - (and your money.)I taught big-data to the IRS (sorry!); designed an email service you and a million of your friends used every day; and was one of the crew who brought automated underwriting to the mortgage industry - If you have a loan, chances are we approved it, priced it and bought it. Found a suit and tie, took a big time corporate job in the House that Jack (Welch) built. Learned about leading at scale! Got a black belt (not the judo kind) and a promotion to the C— suite. Grew a top 5 insurance player through M&A, consolidation and integration. Lots of it. Left the big Fortune-5 to IPO with an internet startup. Remember DSL, hi speed internet and all that? That was us. Learned about rapid customer acquisition and starting from zero. Whew!Took some time off. Got married. Then, teamed up with the smartest guys in the room and built a 6 billion dollar mortgage lender. We grew from an idea to a top-10 national lender. A long way from flying around in helicopters!I know about growth and tech. and ops. I know real estate, lending, insurance and finance. I know big company scale, and starting from nothing. And, I bet I’ve made way more mistakes than you :) And, still not sure what I want to be when I grow up. But I do thoroughly enjoy the path I’m on!Do we have something in common? Let’s connect!
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Co-FounderMedzero, Inc.Denver, Co, Us
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President, Co-FounderMedzero, Inc. Feb 2018 - PresentPortland, Or, UsOffered thru Employers, medZERO gives Employees the ability to pay their healthcare bills by providing funds at ZERO interest and ZERO fees. Loans are repaid over time via Payroll Deduction using Pre-Tax dollars.
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Advisory BoardMaxwell Feb 2018 - PresentDenver, Colorado, UsMaxwell empowers mortgage professionals to be more connected, productive and successful by intelligently automating their workflow with homebuyers and realtors. That means we aim to enhance relationships between mortgage lenders and their customers through digital collaboration, data integrity, and process automation. We’re proud to work alongside hundreds of mortgage professionals across the Maxwell network to transform the way they do business. -
Advisory BoardAccept.Inc May 2019 - Jun 2022Denver, Colorado, UsAccept.inc fka BoardRE (Y Combinator W19) is a new type of mortgage company that upgrades any offer to a cash offer. Acquired by HomeLight in June 2022. -
Executive Managing Director, Head Of RevenueW.J. Bradley Mortgage Capital, Llc Oct 2008 - May 2016Centennial, Co, UsAccountable for top-line revenue growth and development of the company's sales organization.From 2009 to 2012, W.J. Bradley Mortgage Capital grew a staggering 443 percent; from $41 million in revenue to $223 million, and from $1.15 billion in origination volume to $6.5 billion. in 2012, W.J. Bradley became the fastest-growing mortgage lending firm and third fastest-growing financial services firm in the country, among those that generated in excess of $200M in revenue, as ranked by Inc. Magazine and based on percentage of growth in revenue within a three-year period. • Delivered annual top-line revenue of $250 million and led the development of company’s sales organization from inception to $6.5 billion annual volume; • Completed 71 company and branch acquisitions located throughout the U.S. and led the business integration of more than 200 locations and 1,200 employees. • Interfaced directly with candidates/targets; positioned the company’s value proposition, performed economic presentation and analysis, created deal structures and terms, led due diligence, deal closing and integration;• Created and led the Company’s retail sales infrastructure, including compensation structures, staffing models, operating policy and procedure, compliance systems, financial performance management, recruiting and on-boarding, product management and rollout, pipeline forecasting, service level and pipeline management; • Designed and implemented compensation plans and structures, accountable for all sales/variable compensation for the company, which amounted to $6 million monthly at peak;• Facilitated ongoing service improvement initiatives related to overall customer experience across all business functions from sales, operations and general and administrative functions;• Interfaced directly with counter parties and regulators including Fannie Mae, HUD/FHA, CFPB and various state regulators; -
Chief Operating Officer / W.J. Bradley Merchant Partners LlcW.J. Bradley Mortgage Capital, Llc Mar 2003 - Oct 2008Centennial, Co, UsFounding member of the executive team:• Developed company's M&A capability and led mortgage company acquisitions (stock and asset purchases) contributing combined volume of $3 billion annual; deal sizes ranged from $300MM to $1.2B.• Defined the company’s core operating plan, financial and operating metrics, legal entity structure and led operational execution from the firm’s inception; • Hired key personnel into roles across sales, operations, capital markets, human resources, information technology, compliance, accounting and finance; provided day to day leadership to the senior staff;• Through investors (individual and institutional) and related counterparties secured operating and growth capital;• Negotiated and implemented warehouse lending agreements, investor/correspondent agreements, technology & operations vendors, employee benefits and general banking relationships.
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Vice President (Nasd:Rthm)Rhythms Netconnections Mar 1999 - Jun 2000UsImplemented a company-wide Six Sigma Quality program to over 1,400 employees, and engineered the sales, network installation, order fulfillment, billing and support processes to successfully enable the company to grow sales and fulfillment volume prior to and through a successful NASDAQ IPO. -
Chief Information Officer - Insurance ServicesGe Capital May 1995 - Apr 1999Norwalk, Ct, UsLed all aspects of technology for the Insurance Services business including software development, operations, systems administration and support. Spearheaded technology project selection and portfolio management process resulting in 2X improvement in technology ROI;Led the systems and business process integration of two major service centers supporting contract processing, claims and customer service functions; Delivered large-scale Business IntelligenceI/Data Warehouse and custom-developed claims processing systems to support the Warranty business;Received certification in Six Sigma process improvement and active in Six Sigma executive quality review board; Attended GE’s Crotonville leadership school for both management and technology. -
Open Systems | Database ArchitectureCompuserve Mar 1994 - May 1995UsLed all database and server-related architecture design and development for the company’s transition to an Internet standards based platform for the consumer on-line service; included core database architecture and production operations design and standards; led numerous multi-disciplined design and R & D efforts:• Architected the database components for the CompuServe consumer electronic mail system, the most widely used commercial electronic mail system at that time;• Led the development team for the initial prototypes for the CompuServe VISA (in partnership with Wells Fargo Online - www.conductor.com) and Columbia House Records (www.columbiahouse.com) web sites. -
Database ArchitectSybase Mar 1993 - Mar 1994Delivered complex database architecture, database design and analysis, data warehouse and project management for top-tier clients in the Financial Services (Freddie Mac, Fannie Mae, Vanguard Group) and Government (Departments of Energy, Defense, IRS) sectors.
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Server & Database Engineer | Underwriting, Trading SystemsFannie Mae May 1991 - Apr 1993Washington, District Of Columbia, UsDatabase technologist in the open systems team who implemented the first enterprise client server environment in the financial industry, which grew to become the largest Sun/Sybase environment at that time.• Performed database development and administration to support the Desktop Originator and Desktop Underwriter electronic mortgage software, eventually reaching 14,000 mortgage companies;• Architected key components of the company’s Live Pricing system and coordinated database technology support for the company’s headquarters trading floor. -
Intelligence Analyst, LinguistUs Army Jul 1985 - Jun 1991Arlington, Virginia, UsLed air-deployable, remote signals intelligence intercept team. Awarded with three medals of achievement and two medals of commendation; held Top Secret SCI/SBI security clearance. Duty assignments included Second Armored Division, 522nd MI Battalion, Defense Language Institute. -
Defense Systems ArchitectUnited States Department Of Defense Jun 1989 - May 1991Washington, Dc, UsProvided technology consulting services to government customers in the Washington, D.C. / Pentagon area supporting classified programs for the Department of Defense, National Security Agency, Department of the Navy and Defense Intelligence Agency.
Howard Michalski Skills
Howard Michalski Education Details
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U.S. Army Intelligence SchoolCryptologic Signals Intelligence -
Cornell UniversityBusiness Strategy Program
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Defense Language Institute Foreign Language CenterAdvanced Foreign Language Program
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Ge Crotonville Leadership CenterManagement Development
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Brigham Young UniversityForeign Language
Frequently Asked Questions about Howard Michalski
What company does Howard Michalski work for?
Howard Michalski works for Medzero, Inc.
What is Howard Michalski's role at the current company?
Howard Michalski's current role is Co-Founder.
What is Howard Michalski's email address?
Howard Michalski's email address is hk****@****zee.org
What schools did Howard Michalski attend?
Howard Michalski attended U.s. Army Intelligence School, Cornell University, Defense Language Institute Foreign Language Center, Ge Crotonville Leadership Center, Brigham Young University.
What are some of Howard Michalski's interests?
Howard Michalski has interest in Golf, Music, Guitar, Cycling.
What skills is Howard Michalski known for?
Howard Michalski has skills like Leadership, Management, Strategy, Start Ups, Six Sigma, Sales, Process Improvement, Credit, Business Process Improvement, Mortgage Lending, Business Development, Mortgage Banking.
Who are Howard Michalski's colleagues?
Howard Michalski's colleagues are Majd El-Azma.
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