Executive Team
LoanWyse has assembled an executive management team with over 100 years experience in mortgage banking, with deep knowledge of products, underwriting, structuring, and trading all with an emphasis on the use of technology.
John Trinh, a co-founder of LoanWyse, has enjoyed a dynamic leadership career as an inventor, entrepreneur and a senior executive of successful start-ups, Fortune 500 companies, turnaround and high growth companies. In 2016, Mr. Trinh was Senior Vice President at Freedom Mortgage and established a new alternative lending division for non-QM loans. In 2011, Mr. Trinh founded SecureAds, where he invented a new methodology for combining pseudo one-time-passwords with targeted advertising based on consumer profiles. Over 30 patents have been granted worldwide. In 2010, Mr. Trinh co-founded DynaPass, where as CEO, Mr. Trinh negotiated the acquisition of a U.S. Patent for one-time-passwords via SMS. In 2008, he founded Contact Ratio, Inc., which developed the world’s first direct response video landing pages. From 2006 to 2007, Mr. Trinh served as President of Vantage Lending, Inc. and previously worked at Nationsfirst Lending, Homeloancenter.com and E*trade Financial.
Jim Griffin, CFA is a co-founder of LoanWyse and has over 20 years of experience investing in, securitizing and trading a wide array of mortgage loans and securities. Prior to LoanWyse, Mr. Griffin was Managing Director of Portfolio Investments at PennyMac Financial Services, where he was a voting member of the Investment and Valuation Committees. Mr. Griffin has been an investor for a credit hedge fund and has led mortgage trading desks at Wells Fargo Securities and Countrywide Securities Corp. Mr. Griffin was also a portfolio manager at a mortgage REIT and began his career at Freddie Mac.
Mr. Griffin earned an MBA degree in Finance from the College of William & Mary’s Mason School of Business and a BBA degree from Hofstra University. He is a CFA Charterholder and holds FINRA Series 7, 24 and 63 licenses.
Janice Ramocinski, CPA (inactive), is a co-founder of LoanWyse and has 35 years of experience in mortgage banking, mortgage brokering, real estate syndication, distressed residential and commercial debt servicing and asset management. Ms. Ramocinski co-founded Kondaur Capital Corporation (now GITSIT Solutions, LLC), a distressed residential mortgage servicing platform, serving as Chief Operating Officer and Chief Financial Officer. Ms. Ramocinski was a consultant specializing in problem commercial loan and asset workouts, real estate valuation, financial institution shutdown and complex issue litigation support around the 1980’s savings and loan crisis. Ms. Ramocinski started her career as a Senior Audit Manager for Deloitte & Touche.
Ms. Ramocinski earned a BA and MBA from the University of Chicago. She is a California Certified Public Accountant (inactive), California Real Estate Broker, and Mortgage Loan Originator.
Kyle Nguyen, Chief Operating Officer, joined the LoanWyse team with over 30 years of experience in mortgage banking, mortgage brokering, real estate, and asset management. Kyle's diverse background blends operational and production experience with an emphasis on credit.
Kyle served in various high-level leadership roles at Velocity Commercial Capital including Operations Manager, Director of Risk Management, Regional Sales Manager, and Vice President. Kyle's unique experience helped him identify Velocity's gaps that enabled him to make adjustments that had a meaningful impact on lowering overall production costs. His far-reaching approach improved the speed at which loans could move through the process while minimizing costly errors. He then proceeded to assemble teams across different departments within the organization. These teams streamlined efficiency in sales, processing, underwriting, and funding. Kyle's efforts helped revive the struggling firm from the brink of collapse, resulting in the highly profitable publicly traded corporation that it is today.
Kyle served as Vice President of Operations at Commitment Lending, leading a team of over 45 people from loan setup to secondary. Kyle personally revamped the company's guidelines and matrices. In addition, Kyle performed quality control audits to ensure loans were funded on time, meeting or exceeding monthly sales targets. He has also been a vital asset at various mortgage firms such as JMAC Lending, Countrywide Home Loans, Encore Credit Corporation, and New Century Mortgage.
When he is not working, Kyle enjoys spending quality time with his beautiful family, traveling the world, or simply catching a basketball game.
Eleanor Ojerio, EVP of Credit and Compliance of LoanWyse, has extensive experience in several aspects of the mortgage industry, including origination, underwriting, wholesale and retail operations, mortgage assistance and down payment assistance programs, and LOS administration. Prior to Optionwide, Ms. Ojerio was a Program Administrator of a non-profit organization that specializes in down payment assistance programs and consumer financial literacy programs. Ms. Ojerio also served as a Product Operations Manager for Keep Your Home California (KYHC), a participant of the U.S. Department of the Treasury Hardest Hit Fund program, and worked closely with California Housing Finance Agency Mortgage Assistance Corporation (CALHFA MAC) to expand benefit limits for the unemployment and reinstatement assistance products. As part of the KYHC management and credit team, Ms. Ojerio actively participated in the U.S. Department of the Treasury periodic performance reviews that resulted in minimal to no corrective and remedial actions for the unemployment and reinstatement assistance products team. Ms. Ojerio’s experience in the non-QM industry dates back to the old “subprime” days where she climbed the ranks from Loan Specialist to Underwriter to Operations Manager during her tenure at Accredited Home Lenders, Inc. from 2002 to 2008.
Ms. Ojerio holds a Bachelor of Science degree in Business Administration with an emphasis in Information Systems from DeVry University and attended University of La Verne’s Masters program.
Richard Ho, serves as LoanWyse’s Director of Technology. He has a proven, 15 year track record as CTO/CIO, leading successful companies from inception to acquisition. Over the past 8 years, Mr. Ho has been an executive technology consultant for DynaPass, Inc. (developing a two factor authentication security compliant technology platform and a client management system), CarGigi, Inc./Ebay, Legal Helpers, Inc. and LoansDecision (developing a mortgage pricing and underwriting engine). Mr. Ho served as the VP of Information Technology for Truelink.com where he developed the GMAC/RFC AssetWise loan underwriting interface engine. Mr. Ho was an EVP & Chief Technology Officer at Homeloancenter.com (acquired by Lending Tree). Previously, Mr. Ho was the VP of Information Technology at Loansdirect.com (acquired by E-Trade Financial).
Mr. Ho graduated from the University of California San Diego with a B.A. in Cognitive Science with a minor in Psychology.
Jenny Chen-Drake, serves as LoanWyse’s outside General Counsel. Ms. Chen-Drake is the founder and principal of the Chen-Drake Law Group, P.C., which advises middle market and small cap publicly listed and private companies. Previously, Ms. Chen-Drake served as General Counsel and Corporate Secretary of Mood Media (f/k/a Fluid Music Canada) and was in private practice specializing in mergers and acquisitions, corporate securities, and general corporate law for over 11 years at law firms, including Nixon Peabody LLP, Liner Yankelevitz Sunshine & Regenstreif LLP (now DLA Piper), Luce & Forward, Rosenfield Meyer & Susman, LLP and Klein & Martin (now Rutan & Tucker, LLP).
Ms. Chen-Drake received her B.A. and M.A. in Sociology from Stanford University and her J.D. from New York University School of Law.