Ms. Carol Christopherson 
President & Chief Executive Officer

Ms. Christopherson has 17 years experience in the financial services industry. In her previous position as Chief Operating Officer for Equity Plus and Equity Direct she helped establish these companies from start-up and built all sales, marketing and operational functions. These companies also offered non-conventional mortgages, through a broker network. Prior to that she spent 10 years building Canada's first and only reverse mortgage company, the Canadian Home Income Plan Corporation (CHIP). As one of that company's 2 initial executives, she grew sales to $36 million and created a company market capitalization of approximately $52 million. She directly managed the operational and sales divisions of the company across Canada. She has been named one of Vancouver's top 40 business people under the age of 40, has appeared on numerous TV and radio shows as an expert in the mortgage industry and completed studies of the mortgage market in Canada for organizations such as the Law Society of BC. Ms. Christopherson completed The Real Estate Financing Course of the Real Estate Division of the University of British Columbia and holds a current Mortgage Brokers Licence issued by The British Columbia Financial Institutions Commission (FICOM). She also holds the Accredited Mortgage Professional designation (AMP) issued by the Canadian Institute of Mortgage Brokers and Lenders (CIMBL).

Mr. Derek Matthews 
Senior Vice President, Marketing & Sales

Mr. Matthews has over 20 years experience in the mortgage industry in both the UK and Canada. He successfully built one of England's largest independent mortgage brokerage operations and was a key contributor to the success of Canada's first reverse mortgage company the Canadian Home Income Plan Corporation (CHIP). As VP Sales for this company he hired trained and managed their Captive Agent Sales Force and developed both the BC and Ontario markets. Mr. Matthews built a similar team of professional sales people for Equity Plus & Equity Direct. Mr. Matthews completed The Real Estate Financing Course of the Real Estate Division of the University of British Columbia and holds a current Mortgage Brokers Licence issued by The British Columbia Financial Institutions Commission (FICOM). He also holds the Accredited Mortgage Professional designation (AMP) issued by the Canadian Institute of Mortgage Brokers and Lenders (CIMBL).

Mr. Brian Mclean 
Chief Financial Officer

Brian has over 20 years of experience in the financial services sector and has worked with several major international financial institutions. He has structured securitizations and financings for many institutions including several years where he was chiefly responsible for the international securitization programs at Newcourt Credit Group. Brian is a senior executive with significant expertise in financial management and administration, securitization and structured financings, as well as risk management and treasury operations. He has international experience structuring transactions in the United States, Canada and the UK. His extensive mortgage experience has been gleaned from years of working with several of Canada's trust and life insurance companies, underwriting residential and commercial mortgages, managing treasury operations, administering portfolios and setting up mortgage backed securities transactions. For the past several years, he has been providing independent financial advisory services on securitization and structured financings over several asset classes including commercial mortgages, auto leases, sub prime lending and CDO's. He has also advised on regulatory requirements for structured portfolios under new international Basel II regulations. Brian is a graduate of the University of Toronto's MBA program where he specialized in Finance and Economics and is also a holder of the CFA designation.

Ms. Holly Bertram 
Vice President, Originations

Ms. Bertram has over 10 years experience in the financial services industry with specific focus on the growing non-conventional finance sector. With this background she brings a comprehensive understanding of consumer credit and customer service. A history of successfully managing partnerships with key clients combined with extensive experience in the real estate market provides Ms. Bertram with a proven track record of experience and expertise in the industry.

Mr. Arnie Magcalas 
AVP Sales Manager

Mr. Magcalas has over 15 years experience in the specialty lending industry. He has held various senior management positions with non-conventional lenders, such AVCO and Household Financial, focused on improving branch sales, profit and client retention. As Regional Manager for Spectrum-Canada, Mr. Magcalas brings a solid knowledge of underwriting, audit and sales management.

Ms. Susan Murrin 
Underwriting Manager

Ms Murrin has over 20 years experience in both conventional and non-conventional mortgage lending. As a Branch Manager with CIBC she was responsible for all aspects of lending and as Funding Manager for a Specialty Lender she gained excellent knowledge and experience which she brought to Spectrum-Canada in 2003.