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Officers - BofI Holding, Inc.
Gregory Garrabrants President & Chief Executive Officer
Mr. Garrabrants has been President and CEO of BofI Federal Bank since 2007 leading it to consistently strong national rankings as one of the highest performing banking institutions in the country including a recent second place finish in SNL Financial’ s ranking of the nation’s top performing large thrifts.
Prior to joining BofI Federal Bank, Mr. Garrabrants was a senior vice president and the head of corporate business development at the nation’s seventh largest thrift focusing on entry into new business segments, mergers and acquisitions, joint ventures and strategic alliances. Before his senior executive roles at banking institutions, Mr. Garrabrants served the financial services industry as an investment banker, management consultant and attorney for over 15 years. He was an investment banker at Goldman Sachs specializing in advising management and directors on issues such as strategic planning, capital and liquidity management, balance sheet management, asset/liability management, and enhancement of shareholder value. Prior to Goldman Sachs, Mr. Garrabrants served as a management consultant at McKinsey & Company. At McKinsey, Mr. Garrabrants led teams that worked with senior management of money center banks, non-bank financial services companies, insurance companies and asset managers on strategy development, sales force effectiveness, risk management, organizational design and corporate restructuring. Prior to McKinsey, Mr. Garrabrants worked as an attorney at Skadden, Arps, Slate, Meagher & Flom and at Munger, Tolles & Olson focusing on corporate and securities law and clerked for the Honorable Steven V. Wilson of the United States District Court for the Central District of California. Prior to graduate school, he began his career at Deloitte Consulting in the financial advisory services and litigation support practices.
Mr. Garrabrants earned his Juris Doctorate, magna cum laude, from the Northwestern University School of Law and his Masters of Business Administration, with the highest distinctions, from the Kellogg Graduate School of Management at Northwestern University. He has a Bachelor of Science degree in Industrial and Systems Engineering and a minor in Economics from the University of Southern California where he graduated with high honors. He is a Chartered Financial Analyst and member of the California Bar.
Andrew J. Micheletti Executive Vice President and Chief Financial Officer
Mr. Micheletti joined Bank of Internet in 2001 and is the Executive Vice President and Chief Financial Officer. His responsibilities include corporate finance, accounting and administration. Before joining the Bank, Mr. Micheletti was Vice President- Finance for TeleSpectrum Worldwide Inc., an international provider of outsourced telephone and Internet services to large companies in a variety of businesses, including financial services, wireless telephone service, government and Internet-related services. In July 1999, TeleSpectrum acquired International Data Response Corporation (IDRC), a competitor, where Mr. Micheletti held the position of Vice President and Corporate Controller since joining IDRC in 1997. From 1990 to 1997, Mr. Micheletti was Vice President and Chief Financial Officer of Linsco/Private Ledger Corp (LPL Financial Services), a $300 million independent contractor securities broker dealer with offices throughout the United States. Prior to joining LPL Financial Services, Mr. Micheletti was Vice President, Controller and Vice President, Financial Reporting for Imperial Savings Association, a publicly traded $10 billion savings and loan. Starting as an internal auditor in 1985, Mr. Micheletti was promoted to various positions within the bank's finance organization and became Controller in 1990. Mr. Micheletti also held several positions with Deloitte & Touche LLP as an auditor from 1980 to 1985.
Education:
Mr. Micheletti is licensed as a CPA in the State of California and has held various NASD securities licenses. He holds a B.S. from San Diego State University.
Thomas Constantine Executive Vice President and Chief Credit Officer
Thomas Constantine joined Bank of Internet in August 2010, as Chief Credit Officer and Chief Regulatory Affairs Officer. Previously, he was a senior examiner with the Office of Thrift Supervision (OTS), serving his second stint with the agency. Mr. Constantine first joined the OTS in 1989, during the Savings and Loan crisis, and has over 24 years of experience in the banking and financial services industries. Prior to his return to the OTS in 2003, Mr. Constantine worked as a commercial real estate loan officer for George Elkins Mortgage Banking Company and as an executive officer at First Bank of Beverly Hills, where he assumed positions of increasing responsibility, including Portfolio Manager, Chief Lending Officer, and finally Chief Credit Officer. Mr. Constantine's initial exposure to consumer finance began at Whirlpool Financial Corporation in 1987. Mr. Constantine received his B.A., in Business Economics, with an accounting emphasis, from the University of California at Santa Barbara, where he also was named a Collegiate All-American in rugby. After graduation, Mr. Constantine played rugby for Belmont Shore, RFC, representing the region and country in international competition. In addition, he led women’s rugby programs as head coach at the Universities of California at San Diego and Santa Barbara prior to joining the Bank. Currently, he resides with his wife and two children in Oceanside, California, where all study Hanshi Tadashi Yamashita's systems of Shorin-Ryu, Suikendo, and Kubudo weaponry.
Adriaan van Zyl Executive Vice President and Chief Operating Officer
Adriaan van Zyl joined Bank of Internet in May of 2010 as Executive Vice President and Chief Operating Officer . Mr. van Zyl has extensive banking experience, ranging from corporate, commercial and investment banking, to consumer credit. He started his career in 1982 at Barclays Bank as part of their executive development program. His subsequent experience includes serving as Chief Credit Officer, Chief Financial Officer, President & CEO for various banks and divisions. Most recently he was CEO and President respectively, at two niche market industrial banks. Education: B.Com (University of South Africa), MBA (Manchester Business School).
Michael R. Sisk Senior Vice President, Chief Accounting Officer
Michael Sisk has worked in the financial services industry for more than 20 years. Mr. Sisk’s experience ranges from smaller community banks to $8 billion publicly traded financial institutions as well as several years at a broker dealer in the Los Angeles area. Mr. Sisk joined BofI Federal Bank in January 2012. Before joining the Bank, Mr. Sisk was Senior Vice President – Chief Financial Officer and Chief Investment Officer at Inland Community Bank (ICB), a $225 million community bank located in Ontario California. Prior to joining ICB, Mr. Sisk spent 4 years consulting with financial institution CEO’s and CFO’s designing process efficiencies in the financial reporting units within the organizations he worked as well as assisting merger and acquisition activity and raising capital. From 1997 to 2006, he worked as Vice President and Controller of PFF Bank and Trust, a $4 billion thrift and loan out of Pomona California. He was Controller at Foothill Independent Bank, Financial Reporting Manager at Griffin Financial Services from 1989 to 1997.
Mr. Sisk holds a Bachelor’s degree from Cal-State University in San Bernardino and an MBA, with a concentration in finance from the University of La Verne. In addition Mr. Sisk has been licensed by the NASD as a financial principal.
Board of Directors - BofI Holding, Inc. and BofI Federal Bank
Theodore C. Allrich Chairman
Mr. Allrich is Chairman of the Board of Directors of BofI Holding, Inc. and BofI Federal Bank and served as Vice Chairman from 1999 to 2009. Mr. Allrich was the founder of the financial educational website, The Online Investor, which is based on his book of the same name. He served as an investment advisor with his own firm, Allrich Investment Management, from June 1991 to June 2003. Prior to starting his own firm, Mr. Allrich spent 20 years with various Wall Street brokerage firms, where he was involved with investment banking, fixed income sales and management, specializing in mortgage-backed securities, institutional equity sales and trading. His last position with a brokerage firm was in 1990 as the regional manager for high grade fixed income investments with Drexel Burnham Lambert in San Francisco. Mr. Allrich holds a Bachelor of Arts degree from the University of California at Davis and a Master of Business Administration degree in Finance from Stanford University.
Nicholas A. Mosich Vice Chairman
Mr. Mosich is currently a Managing Member of Ion Capital Partners, LLC., and a General Partner of Ion California Land Fund, LP, a discretionary investment fund that is acquiring distressed residential development projects in California. Mr. Mosich brings 25 years of capital markets and business management experience - most recently as an Executive Vice President and Member of the Board of Directors of The Seidler Companies Incorporated, a NYSE member firm. While at Seidler, Mr. Mosich was responsible for its Orange County Office, overseeing its Private Client Service operations and Investment Banking Operations. He was also a producing Managing Director of its Community Bank Group. While at Seidler, he was active in mergers and acquisitions, raising public and private capital for emerging growth companies, and for raising capital for banks, including an active role as a Co-Manager of BofI Holding, Inc.’s IPO. In January of 2001, he merged his predecessor firm, Hagerty Stewart & Associates, Inc., into Seidler. Previously, Mr. Mosich was a Partner at McGoodwin James & Company, a venture capital firm headquartered in Costa Mesa, California, where he was active in funding later stage venture companies and structuring private investments in public companies. Mr. Mosich completed his undergraduate degree (cum laude) at the University of Michigan and received his Master in Business Administration from Stanford University.
James S. Argalas
Mr. Argalas has extensive experience in the financial and investment sectors. In 2006, he founded Presidio Union, LLC, a company that specializes in providing financial analysis and corporate advisory services to early stage growth companies and their investors, taking an active role in developing ventures that have the potential to create significant shareholder value. Prior to founding Presidio Union, Mr. Argalas was a Principal at Watershed Asset Management and NM Rothschild from 2006 to 2010 where he was responsible for investments in distressed credit, liquidations, real estate, special situations, and debt and equity investments in Asia-Pacific. Prior to joining Watershed, Mr. Argalas was an Associate Principal with McKinsey & Company and an Associate at Goldman Sachs. Mr. Argalas has a Master of Business Administration from Kellogg Graduate School of Management (Northwestern University) with majors in Finance, Entrepreneurship and International Business; in addition Mr. Argalas earned a Bachelor of Science in Engineering from the University of Michigan and a Bachelor of Science in Foreign Service from Georgetown University.
John Gary Burke
Mr. Burke is President and sole shareholder of Truck World, Inc., a wholesale and retail petroleum marketing company, based in the Youngstown, Ohio area. Truck World, Inc. is a retail jobber for Shell Oil and Marathon Ashland Petroleum. Since founding the company in 1972, he has built, developed, opened and operated convenience stores and truck stops. In 1980, Mr. Burke acquired and operated four pipeline terminals on the Buckeye Pipeline System and became involved with various aspects of distribution, including scheduling, trading and hedging. Mr. Burke served as a Director of the Ohio Petroleum Marketing Association for nine years during this time. Mr. Burke is also President and sole shareholder of J. Gary Burke Corporation, a real estate holding company that owns and manages properties in various states. Most recently, J. Gary Burke Corporation processed the entitlements and developed the site improvements for a 40-acre industrial park in Otay Mesa, California. Before serving in the United States Navy as a Naval Aviator from 1968 to 1971, Mr. Burke earned his Bachelor of Science in Mechanical Engineering degree from the University of Miami, Florida. Mr. Burke has been a shareholder of the Company since 1999.
James J. Court
Mr. Court is Senior Vice President and Chief Operating Officer of First American Property & Casualty Insurance Group, a member of the First American Financial Corporation, and has been with the organization since 1999. His responsibilities encompass the group's operations and information technology. Prior to joining First American, Mr. Court held information technology and operations positions at MGE UPS Systems and at Printronix, Inc. Mr. Court has led successful business and technology transformations in both the financial services and manufacturing sectors. Mr. Court holds an MBA from the Graziadio School of Business and Management at Pepperdine University, a Bachelor of Science Degree in Information Systems from the University of Redlands and an Associate Degree in Electronic Engineering Technology.
Jerry F. Englert
Mr. Englert served as Chairman of the Board of Directors of the Company from 1999 to 2009 and as President and Chief Executive Officer of the Company from July 1999 to October 2004. He was a founder of Bank of Del Mar and its Vice Chairman from 1989 to 1994. Mr. Englert served as the President, Chief Executive Officer and a Director of Winfield Industries from 1972 until it was sold to Maxxim Medical in 1991. From 1968 to 1972, he was Vice President of Marketing for IVAC Corporation and from 1963 to 1968, he was a Regional Sales Manager for Baxter Health Care, Inc. Mr. Englert holds a Bachelor of Arts degree from Morris Harvey College. In addition, Mr. Englert received an honorary Ph.D. from the University of Charleston.
Gregory Garrabrants
Mr. Garrabrants has been President and CEO of BofI Federal Bank since 2007 leading it to consistently strong national rankings as one of the highest performing banking institutions in the country including a recent second place finish in SNL Financial’ s ranking of the nation’s top performing large thrifts.
Prior to joining BofI Federal Bank, Mr. Garrabrants was a senior vice president and the head of corporate business development at the nation’s seventh largest thrift focusing on entry into new business segments, mergers and acquisitions, joint ventures and strategic alliances. Before his senior executive roles at banking institutions, Mr. Garrabrants served the financial services industry as an investment banker, management consultant and attorney for over 15 years. He was an investment banker at Goldman Sachs specializing in advising management and directors on issues such as strategic planning, capital and liquidity management, balance sheet management, asset/liability management, and enhancement of shareholder value. Prior to Goldman Sachs, Mr. Garrabrants served as a management consultant at McKinsey & Company. At McKinsey, Mr. Garrabrants led teams that worked with senior management of money center banks, non-bank financial services companies, insurance companies and asset managers on strategy development, sales force effectiveness, risk management, organizational design and corporate restructuring. Prior to McKinsey, Mr. Garrabrants worked as an attorney at Skadden, Arps, Slate, Meagher & Flom and at Munger, Tolles & Olson focusing on corporate and securities law and clerked for the Honorable Steven V. Wilson of the United States District Court for the Central District of California. Prior to graduate school, he began his career at Deloitte Consulting in the financial advisory services and litigation support practices.
Mr. Garrabrants earned his Juris Doctorate, magna cum laude, from the Northwestern University School of Law and his Masters of Business Administration, with the highest distinctions, from the Kellogg Graduate School of Management at Northwestern University. He has a Bachelor of Science degree in Industrial and Systems Engineering and a minor in Economics from the University of Southern California where he graduated with high honors. He is a Chartered Financial Analyst and member of the California Bar.
Paul J. Grinberg
Mr. Grinberg is EVP, CFO & Treasurer of Encore Capital Group (NASDAQ: ECPG) a purchaser of charged-off consumer debt. His responsibilities include finance and accounting, risk management, treasury, SEC reporting, M&A, and Decision Science.
Formerly, Mr. Grinberg served as president of Brio Consulting Group, a consulting firm that he founded that provided financial strategy and analysis to private-equity and venture-backed companies. Mr. Grinberg has held CFO positions for private and public companies, including Stellcom, Inc. and TeleSpectrum Worldwide Inc. (NASDAQ: TLSP), both located in San Diego. He was also a partner and senior member in the Merger and Acquisition Services Group of Deloitte and Touche in New York. Mr. Grinberg's strengths have been in accounting, SEC reporting, raising capital, financial strategy, providing leadership in investor relations, and M&A activities. Mr. Grinberg has extensive experience with high-growth situations, venture/private equity backed companies and public companies.
Mr. Grinberg earned his Master of Business Administration in Finance and Beta Gamma Sigma Honor Society of Columbia University
Bachelor of Science in Accounting and Magna Cum Laude from Yeshiva University
CPA, New York State.
Edward J. Ratinoff
Mr. Ratinoff is a Managing Director and Head of Acquisitions for Phoenix Realty Group, an institutional real estate investment firm focused on opportunistic multifamily investments. Mr. Ratinoff oversees the investment program for two fund vehicles totaling over $500 million in equity, directs acquisition teams in Los Angeles and New York, and is a member of the firm’s investment committee. Prior to recently joining Phoenix Realty Group, Mr. Ratinoff held the position of Managing Director and west coast head for the J.E. Robert Companies. In this role, Mr. Ratinoff was responsible for all equity and debt transactions throughout the western US for the real estate investment funds sponsored by the firm and was a member of the investment committees for both JER Partners and JER Investors Trust (NYSE: JRT). He was also responsible for directing JER’s multifamily investment strategy in the US, acquiring 2,300 apartment units in Seattle, Atlanta and Detroit. During his tenure Mr. Ratinoff led the acquisition of approximately $1.0 billion in assets representing multiple real estate sectors and geographies. Prior to joining JER, Mr. Ratinoff served as Principal with FowlerFlanagan Partners, where he either led or participated in the acquisition, financing and renovation of approximately 3,000 apartment units in California, Seattle, Arizona, Texas and Missouri. Mr. Ratinoff also held senior positions focusing on real estate investment banking with McDonald Investments, Chase Securities and BT Alex Brown, executing public and private capital markets transactions for west coast-based real estate companies. Mr. Ratinoff received a Bachelor of Arts in Architecture and City Planning from the University of California, Berkeley, and a Master of Business Administration from the J.L. Kellogg Graduate School of Management at Northwestern University.
