CAPITOL BANCORP LIMITED

AMERA MORTGAGE CORPORATION

Mark A. Janssen, CEO

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For Amera Mortgage, 2007 was a period of expansion to meet the demands of a growing number of affiliate banks and one of change in adapting to the evolving landscape of the residential mortgage industry. Amera held two multi-state sales conferences for Capitol Bancorp, which brought mortgage originators together to address the needs of the national sales force. These were forums where mortgage loan officers could establish relationships, network and allow Amera’s management to discuss plans for future technology enhancements to aid in the origination of mortgage loans.

2007 was a period of expansion to meet the demands of a growing number of affiliate banks…

In the West, the sales meeting focused on bringing fresh ideas to the table. We shared best practices to spread the success experienced in markets throughout the expanding footprint of Capitol Bancorp. Mortgage lenders shared business plans and successful strategies while Capitol’s marketing department presented a variety of marketing tools created in conjunction with Amera and individual banks that are now available for use by mortgage lenders nationally.

In the East, additional focus was placed on sales success in the mortgage business. In particular, we looked at methods for setting and achieving sales and income goals through the utilization of specific sales and marketing strategies. Additionally, Amera focused on the changing mortgage landscape and the tools it is providing through its client service and product placement groups to ensure that Capitol Bancorp’s affiliate banks can continue to provide a wide array of mortgage products and services to their clients.

From a technology standpoint, we have begun a process to consolidate mortgage origination technology under a single umbrella while expanding our automated pricing and guideline engine. The pricing engine serves as a single point of reference for all investor products offered by Amera. We will also be evaluating a front-end origination tool that will complete this migration and further streamline the origination process.

As we move forward, we have positioned Amera Mortgage to meet the needs of a growing number of affiliate bank clients as well as the clients served by our retail originators. We vow to adapt responsibly to changes in our industry.

— Mark A. Janssen, CEO

 

1050 Corporate Office Drive, Suite 200 | Milford, MI 48381
248.685.1700 | www.ameramortgage.com


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BOARD OF DIRECTORS

Susan L. Bowen
Executive Vice President
Amera Mortgage Corporation

Melinda F. Cain
Executive Vice President
Amera Mortgage Corporation

Lee W. Hendrickson
Chief Financial Officer
Capitol Bancorp Limited

Mark A. Janssen
CEO
Amera Mortgage Corporation

Lyle W. Miller
President
L. W. Miller Holding Company

Jerald H. Rock
President
Amera Mortgage Corporation

John C. Smythe
President, Great Lakes Region
Capitol Bancorp Limited

OFFICERS

John C. Smythe
Chairman

Mark A. Janssen
CEO

Jerald H. Rock
President

Lee W. Hendrickson
Secretary & Treasurer

Susan L. Bowen
Executive Vice President

 

 

Melinda F. Cain
Executive Vice President

Kathleen M. DeFrances
Executive Vice President

John A. Korch
Senior Vice President

Sharon A. Pastori
Senior Vice President & CFO

James A. Sellick
Senior Vice President

Nancy J. Caruso
Vice President

Susan Good
Vice President

Melodie A. Haverkate
Vice President

Kathleen E. S. Lawrence
Vice President

Paul G. Richer
Vice President

Robert A. Risher
Vice President

James M. Shaffer
Vice President

Susan L. Shaffer
Vice President