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Our Leadership Team

Imagine the advantages of leadership by executives who share your experience.

Sanjiv Das

Sanjiv Das

Chief Executive Officer
Sanjiv has a successful track record of leading large, financial services organizations both within the United States and internationally. Prior to joining Caliber, he served as Executive Vice President, Global Financial Solutions at First Data Corporation, where he led the international business and played an instrumental role in taking the company public. He has also held executive management positions at several other companies, including CitiMortgage, Inc.
William Dellal

William Dellal

EVP, Capital Markets & CFO
William is responsible for secondary marketing, hedging, and other capital markets functions. He brings deep mortgage banking and financial services expertise to Caliber, most recently serving as head of Capital Markets for CitiMortgage.
Russ Smith

Russ Smith

EVP, National Production & COO
Russ is responsible for the National Production of Sales in Caliber's Retail, Wholesale, Correspondent, and Direct to Consumer channels. He has over 25 years of experience in the mortgage banking industry, having served in various executive roles for many of the nation's leading financial institutions.
Ann Thorn

Ann Thorn

EVP, Chief Loan Administration Officer
Ann is responsible for all Production and Servicing Operations in Caliber’s Retail, Wholesale and Correspondent channels.  She has over 25 years in the mortgage industry leading large operations in the areas of originations, servicing, and default, most recently with Bank of America. 
James Hecht

James Hecht

EVP, Head of Retail Production

James is a seasoned industry leader with over 20 years of mortgage banking experience. He brings a wealth of knowledge and a deep understanding of the distributed Retail space. In his prior role, James was responsible for all Production channels, Fulfillment, Credit and Operations. Throughout his mortgage career, James held a variety of senior management roles at several respected mortgage companies.

Patricia Shumate

Patricia Shumate

EVP, Correspondent
Patti has over 30 years of Mortgage Banking experience with a specialty in correspondent lending. She is responsible for the management of the Correspondent channel which serves Caliber’s delegated customers.
Chad Smith

Chad Smith

EVP, Recapture & Direct to Consumer
Chad is responsible for transforming the way Caliber interacts with our customers, as well as leveraging our existing servicing portfolio of over 650,000. Prior to joining Caliber, he was President of Direct Lending at loanDepot.
Tony Kottenbrock

Tony Kottenbrock 

SVP, Wholesale Lending
Tony has over 28 years of mortgage lending experience. For nearly eight years Tony has been in a sales leadership role for Caliber Wholesale, primarily overseeing the growth of their national production. Prior to his time at Caliber, Tony served as an EVP at a non-bank lender and servicer, overseeing operations and sales production offices for its Builder Alliance channel.
Jennifer Corcoran

Jennifer Corcoran

SVP, National Operations
Jennifer is responsible for the strategic direction and operational execution of retail, wholesale, correspondent and consumer direct practices. She has a deep background in Mortgage Operations and most recently managed all operations for Caliber’s Wholesale Division, one of the top purchase producers in the country.
Renee Galitis

Renee Galitis

EVP, Chief Information Officer
Renee Galitis is responsible for all technology supporting Caliber’s aggressive growth plan and innovation in creating the “Ultimate Home Buying Experience.” As a seasoned industry leader with over 25 years of mortgage technology experience, Renee brings outstanding strategic and technical expertise that will help Caliber build upon their industry-leading originations of servicing.
Julie Richtel

Julie Richtel

EVP, Chief Risk Officer
Julie Richtel is responsible for Enterprise Risk Management. Julie has extensive experience in risk and compliance in both mortgage and consumer financial services. Prior to joining Caliber Home Loans, she was the Senior Risk Officer overseeing all consumer facing business lines, including retail banking, home lending, mortgage servicing and warehouse lending at EverBank.
Gregg Smallwood

Gregg Smallwood

EVP & General Counsel
Gregg Smallwood is responsible for the company’s Legal and Compliance functions. Gregg has over 20 years’ experience representing major financial services institutions in all aspects of regulatory enforcement, state and federal law compliance, corporate transactional matters and class action litigation. He received his Juris Doctorate from Seton Hall University School of Law and Bachelor of Arts from the University of Maryland.
Sean Harding

Sean Harding

Chief Human Resources Officer

Sean Harding leads all human resources functions at Caliber.  He has led bank and non-bank institutions in the mortgage industry and is highly-skilled in human resource management, training leadership, and organizational effectiveness, as well as talent acquisition and retention.

Manoj Satnaliwala

Manoj Satnaliwala

SVP, Head of Audit
Manoj Satnaliwala is responsible for all Audit activities working directly with the Audit Committee. Prior to joining Caliber Home Loans, he led the Audit function for Radian Group Inc., the third-largest publicly traded mortgage insurer in the United States, and was a director of Internal Audit for PWC, where he managed the validation of controls for Internal Audit as part of the CCAR project for a large bank holding company.
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