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CALIFORNIA

Beverly Hills-Reliable Defeasance LLC has named Mark Schultz as managing director.

Prior to joining Reliable, Mr. Schultz was chief financial officer and financial director of Hopkins Real Estate Group, and prior to Hopkins spent six years as a vice president and senior originator with Deutsche Bank Berkshire Mortgage.

He previously was a vice president with GE Capital, where he managed the affordable housing tax-exempt bond group for the firm's West Coast operations.

Newport Beach-DRI Management Systems has appointed Ellie Vincenti to the position of director of client relations.

Prior to joining DRI, she worked with CitiMortgage as part of the DRI support team.

Ms. Vincenti will be based out of Detroit and will oversee a client base that includes CitiMortgage and other clients in the Eastern region.

San Diego-General Mortgage said that Judy Dunham will be joining the company.

She will be focusing on the growth of General Mortgage's banking division and providing marketing support to the company's more than 60 retail loan officers.

Ms. Dunham was formerly the president of AME Financial, which she founded in 1984.

DISTRICT OF COLUMBIA

Washington-Reed Smith named Stephanie D. Cohen as an associate in its Financial Services Regulatory Group.

Her work will focus on bank regulatory matters and residential mortgage and consumer compliance.

Ms. Cohen was formerly an associate general counsel at CitiFinancial Inc. in Baltimore with responsibilities concentrated in mortgage loan servicing, and prior to joining CitiFinancial was an associate in the financial services practice at a Baltimore law firm.

Washington-Fannie Mae said that the board of directors has elected Louis J. Freeh to the board and will serve on the board's compliance and compensation committees.

Mr. Freeh, former director of the Federal Bureau of Investigation and previously general counsel, corporate secretary and ethics officer for MBNA Corp., becomes the eighth new director elected to the company's board since 2004.

Prior to serving as director of the FBI from 1993 to 2001, he was the United States district judge, Southern District of New York from 1991 to 1993, and from 1981 to 1991 served in the U.S attorney's office for the Southern District of New York.

FLORIDA

Boca Raton-Credit Suisse Bank has named Irena Renata Stevanovich as assistant vice president, fixed-income division.

Ms. Stevanovich has over 10 years experience in the real estate industry.

She previously worked as a new business development executive for First Franklin Financial Corp. and most recently served with Argent Mortgage/ACC Capital Holdings, Irvine, Calif.

GEORGIA

Atlanta-ZC Sterling Corp. said that Gary E. Lauer has been named as senior vice president, national accounts.

Mr. Lauer joins ZC Sterling from United Guaranty Residential Insurance Corp. and has more then 30 years of experience in mortgage banking, finance and specialty insurance.

Prior to joining United Guaranty, he served at Mortgage Guaranty Insurance Corp. for 15 years.

NEW JERSEY

Ewing-Cenlar FSB appointed Christopher J. Heise to the position of chief accounting officer.

Mr. Heise assumes responsibility for managing Cenlar's financial reporting, forecasting, budgeting, business planning, valuations and corporate tax reporting.

He served as a manager with KPMG, an international accounting firm, before joining Cenlar in 2000.

NEW YORK

New York-Low Income Investment Fund has hired Deborah Clarett as the new manager of its loan administration group.

In this newly created position, Ms. Clarett will direct all loan administration functions, including loan closing, disbursement and monitoring.

Before joining LIIF, she served as vice president of loan administration at Bank of America's Commercial Home Builder Division, which finances the construction of residential home projects in Northern California, Arizona, Nevada and Florida.

Uniondale-Arbor Realty Trust promoted Michael E. Bank to assistant vice president, asset management.

Mr. Bank joined Arbor Realty Trust in March 2005 as director, asset management.

He possesses 14 years of real estate experience in asset and property management for both institutional and private owners and prior employers include Sentinel Real Estate Corp., CB Richard Ellis Inc., Hines Interest Limited Partnership, LaSalle Partners and Macklowe Properties.

OHIO

Akron-FirstMerit Corp. appointed William P. Richgels as executive vice president and chief credit officer.

Mr. Richgels will be responsible for overseeing all of FirstMerit's credit and portfolio management functions.

He has over 25 years of banking industry experience and joins FirstMerit from JPMorgan Chase, in Chicago, where he was the senior credit executive overseeing a Midwest commercial portfolio of middle-market customers.

OKLAHOMA

Tulsa-Williams & Williams hired Jennifer Capron as its new supervisor of national sales.

Ms. Capron will be responsible for managing residential properties for individual sales and will also act as a liaison for all property marketing for the Farm, Ranch and Premiere Properties division.

Prior to joining Williams & Williams, she worked as a property manager for Case & Associates, a Tulsa-based property rental company, and was also a Realtor associate for Chinowth & Cohen Realtors.

ILLINOIS

Chicago-John Duchouquette, director of mortgage credit and flood compliance operations for TransUnion's real estate services division, was named president of the National Flood Determination Association for 2007.

NFDA is a nonprofit organization comprised of flood determination companies, their vendors, re-sellers and other industry associates.

It is the recognized voice of the flood determination industry by the Federal Emergency Management Agency, federal regulatory agencies, government-sponsored enterprises, lending institutions and insurance companies.

CANADA

Toronto-PMI Mortgage Insurance Co. Canada has appointed Philippe Sarfati as vice president of credit risk management, and Randy Rutherford as vice president of sales and marketing.

Mr. Sarfati has almost 25 years of experience in the financial services industry.

He held various positions at the Bank of Montreal over a 17-year span, where he rose to become a member of the bank's corporate risk management senior executive team, and was most recently vice president and head of global banking and trade solutions at CIBC World Markets.

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