Howard Michalski Email & Phone Number

Denver, CO, US

Portland, OR, US

Offered 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.

Denver, Colorado, US

Maxwell 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.

Denver, Colorado, US

Accept.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.

Centennial, CO, US

• Accountable 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.
• 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.
• Designed and implemented compensation plans and structures, accountable for all sales/variable compensation for the company, which amounted to $6 million monthly at peak;

Centennial, CO, US

• Founding 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.

US

Implemented 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.

Norwalk, CT, US

Led 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.

US

• Led 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.
• 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.

Delivered 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.

Washington, District Of Columbia, US

• Database 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.

Arlington, Virginia, US

Led 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.

Washington, DC, US

Provided 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.

Cryptologic Signals Intelligence

Business Strategy Program

Advanced Foreign Language Program

Management Development

Foreign Language