As President and Chief Executive Officer of Sierra Pacific Mortgage, Jim Coffrini oversees all company operations with his clear vision and well-defined strategies. Jim's entrepreneurial approach and 30+ years of experience in the mortgage banking industry have helped him achieve his vision of creating a leading national mortgage banking company that delivers quality products and superior service to its customers.

Jim started the company in 1986, and since its inception, he has focused on three core values: operational excellence, technology, and innovative products. By adhering to these tenets, Sierra Pacific Mortgage continues to grow and is recognized as a responsible lender committed to meeting the expectations of clients and customers alike.

As the Chief Operating Officer, Gary oversees Risk, Operations and Information Technology. Gary brings to this role over 30 years of mortgage industry knowledge. Beginning his career as a loan originator and then expanding into construction lending, secondary marketing, and compliance, and then bringing it all together with banking operations expertise, Gary has the well-rounded lending experience needed to help drive our corporate goals.

Gary was awarded the designation of Certified Mortgage Banker by the Mortgage Bankers Association in 2006 and is one of only 1,500 employed in the industry to hold this prestigious designation. Gary and his team at Sierra Pacific Mortgage continue to successfully grow our national lending framework.

As Sierra Pacific’s Chief Production Officer, Jay is responsible for increasing the company’s national presence in all Production channels. A career mortgage banker, his background includes key executive leadership roles combined with an impressive list of accomplishments.

Currently, he is creating and implementing strategies for growing Sierra Pacific’s market share for the Retail, Wholesale, and Consumer Direct divisions. Jay has spent over 20 years in the financial industry, most recently as Senior Vice President of Retail Lending with Sierra Pacific, managing the Retail, Consumer Direct and Builder Divisions. He also served as Executive Vice President Joint Ventures at Stearns Lending and Senior Vice President Sales Development at Stearns Lending. He has worked in several different roles at Wells Fargo Home Mortgage, Greenpoint Financial, Barclays Global Investors, and E-Trade Financial.

As a former top originator, branch manager, and account executive, Jay’s passion for creating a collaborative internal culture empowers him to provide innovative marketing, technology and sales tools to hundreds of Sierra Pacific originators across the nation.

Joe brings an impressive 25 years of leadership experience in the banking and financial services industry. He has a deep knowledge of the regulatory issues surrounding mortgage and consumer lending for both origination and servicing. In his new role, he will be responsible for compliance training, risk assessments, our overall Compliance Management System, and the facilitation of all regulatory examinations.

Prior to joining Sierra Pacific, Joe was the Chief Compliance Officer and Chief Regulatory Counsel at Celebrity Home Loans. Joe received his BA in Political Science from the University of Washington in 1988, and his JD from the Gonzaga University School of Law in 1993.

As Chief Information Officer, Brian oversees all aspects of information technology systems supporting Sierra Pacific business channels, in addition to enterprise applications and systems for all corporate processes.

Brian has more than 27 years of experience in Information Technologies, with nearly half of those years doing integrations at Sierra Pacific. He was the Software Engineer Manager at Sierra Pacific Mortgage and has vast knowledge of the company’s structure and systems. Brian also is a contributing member to the MISMO organization for mortgage data standards.

Prior to joining Sierra Pacific Mortgage, he worked in a wide variety of areas, including voice recognition engines, fingerprint recognition, warehouse automation, and mortgage industries after obtaining a Bachelor of Science degree in Computer Information Systems.

Curtis possesses over 30 years of experience in diverse accounting, finance, lending, audit, tax, and SEC-related engagements. As Chief Financial Officer, he oversees the financial and investor reporting, budgeting, cash management, warehouse lending, and human resource and loan servicing functions.

Curtis graduated from UC Berkeley, earning a Bachelor of Science degree in Business Administration, with concentrations in Accounting and Finance. He has also completed Levels I and II of the School of Mortgage Banking. Curtis has been involved in many community organizations, including Treasurer on the Board of the Sacramento Ballet, President of the local chapter of the Financial Managers’ Society, and President of a church organization, just to name a few.

As Vice President of Capital Markets, Lonnie oversees pricing, hedging, servicing retention, investor relations, product development and post-closing. Lonnie is a veteran in the mortgage banking industry with more than 30 years of experience.

Prior to joining Sierra Pacific, Lonnie spent nearly 25 years in capital markets managing portfolio lending, private securitizations and independent mortgage bankers. His additional experience includes a number of years focused in on retail lending for residential and small commercial.

Susan Roy is responsible for the strategic direction and management of Sierra Pacific's Retail, Wholesale, and Consumer Direct divisions’ operational, credit risk, and mortgage underwriting practices. Susan comes to Sierra Pacific with 30 years of experience in mortgage banking, including underwriting and both retail and wholesale operations.

Susan was previously head of National Operations at Pinnacle Capital Mortgage and Vice President of National Wholesale and Western Retail Operations & Underwriting at Finance of America. Susan also previously worked at Sierra Pacific from 2001 to 2007 as a Senior Government Underwriter.

As the SVP TPO Sales West, Rob leads both the big picture strategy and market share growth for our Western division. Rob’s career has always been in the Wholesale Lending Channel, and his success was evident early on when he was named Branch Manager at Aegis Wholesale Corporate at the age of 28. Throughout his 20-year career, he has worked at national lenders such as Caliber Home Loans, Plaza Home Mortgage, and most recently Home Point Financial.

Rob joins the Sierra Pacific Mortgage team with an impressive track record of recruiting large account executive teams with consistent high production results. Having started his mortgage career in operations, he has an innate respect for the workflow and understanding of production’s role in optimizing efficiencies. Both his drive and sales experience make him an exceptional asset to both our broker partners and team.

After starting her career as a broker, Cindy has gone on to become an industry veteran with over thirty years of firsthand experience in wholesale sales, operations, and management. She came to Sierra Pacific after serving at Caliber Home Loans for 12 years as the Southeast DVP. In her new role, Cindy is responsible for the growth of our TPO team and brand recognition across the East while scaling the operation and sales volume. Cindy is the type of leader who will not ask anyone to do something she herself is not willing to do. Under her leadership, the Eastern TPO team shares a commitment to get loans to their closing dates on time, every time.

Corey is very excited to be a part of the growth for the Non-Delegated and Wholesale channel in the Western Division. His background has included leadership positions at some of the largest TPO Lenders in the country, including Countrywide, Bank of America, PennyMac and Stearns. Corey’s strengths as a leader include being a champion of a collaborative and supportive team that builds and takes pride in the success of all its members. Another asset of Corey’s is his understanding and knowledge of all aspects of Wholesale Mortgage business, including Sales, Operations, Secondary and Finance. As a leader, Corey is proud of the consistent production that exceeds goal. Both his drive and sales experience make him an exceptional asset to both our broker partners and team.

Based in Oregon, Christian began his career with Sierra Pacific after graduating from the University of New Hampshire with a B.A. in Economics and Business Administration. After spending a few years as a loan originator, Christian began a successful career as an Account Executive. He then moved up to internal management roles, sharing his skills with his region’s sales teams. In his current role, Christian prioritizes supporting his Account Executives while devising new ways to improve the lives of Sierra Pacific borrowers and staff.

With more than 34 years of experience working with banking institutions and independent mortgage companies, Mr. Goulding provides oversight of the strategic direction, business development, and market expansion for the retail platform along the East Coast. John is a results-driven executive with a history of taking on critical business assignments and leading effective sales teams to perform at a high level.

Most recently, he served as the Divisional Vice President for Stearns Lending, and prior to that, worked as the Regional Sales Leader for Wells Fargo Home Mortgage in the Mid-Atlantic for over 18 years.

Working with the Regional Retail Managers and Executive Team members, Mrs. Lee develops strategies that increase the Retail presence throughout the United States. Her mission is to increase retail presence and brand recognition in each market.

Her key role is in creating a consistent onboarding, training and integration process ensuring that all new loan originators at Sierra Pacific Mortgage have the tools they need to be their best.

Mr. McGinley joined Sierra Pacific Mortgage in 2012 as a retail branch manager in the states of Kansas, Missouri, and Oklahoma. With 20 years of experience in management and mortgage lending, Brian has worked every aspect and angle of running a productive and profitable branch operation in the mortgage banking arena. Through his main branch and satellite branches, Brian has discovered what it takes to make each individual successful, whether through daily face-to-face interactions or remote support.

Brian is a lifelong entrepreneur and is dedicated to making sure his staff and the people around him grow and succeed on a daily basis. Through his hands-on and show-by-doing approach, he assures each person he is supporting has the tools needed for success.

Debra started in the mortgage business in 1994 and throughout her career has successfully built and managed teams at both correspondent and retail bank lenders. As VP/Divisional Sales Leader, she will oversee the Eastern Retail production and growth initiatives.

Debra is an American University graduated with a Bachelor's degree in Accounting and Finance. She currently resides in Charlotte, NC with her husband Jay and in her spare time enjoys golfing, biking, traveling, and spending time with her two sons.

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