Leadership Team

Chief Executive Officer

Ron Perkins immersed himself into the mortgage industry immediately out of college. At a very young age, Ron made an enormous impact on the industry. He became a mortgage loan officer shortly after graduating from the University of San Francisco in 1992. Soon thereafter, Ron opened his own firm called California Financial Group (CFG) in Danville, California.

Chief Operations Officer

Executive Vice President of Northern California Operations

As AMC’s VP of Northern California Operations, Kevin Bernal wears many hats – business advisor, manager, and senior loan officer.  Kevin has been with AMC since 2013 and understands the history of our company as well as its potential.  Besides providing oversight and business direction, he manages loan officers directly, which allows him to act as a liaison between upper management and staff.

Chief Strategy Officer

AMC’s Executive VP of Southern California Operations, Mark Rafeh, has been integral to AMC’s expansion efforts in Southern California.  As a seasoned executive, Mark is well versed in business management.

Chief Technology Officer

Working as AMC’s Chief Technology Officer since 2014, Sam Sousa has been at the helm of many of AMC’s expansion efforts, and is responsible for bringing our personalized style of banking to the digital age.

Vice President of Compliance and Licensing

Debbie Kent lends over 30 years of mortgage and licensing experience to our operations team. She has been integral in making sure we are compliant and stay informed of changing and new regulations.