Leadership Team

Leadership at Every Level

Meet Our
Leadership Team

We pride ourselves on our entrepreneurial management style. Our leadership team is dedicated to growing AMC as a company, as well as fostering growth within our staff. At AMC we are a team, not a hierarchy.

Ron Perkins

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.

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Tim Larin

Chief Operations Officer

Kevin Bernal

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.

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Mark Rafeh

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.

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Sam Sousa

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.

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Debbie Kent

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.

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Meet Our
Founder Team

The Karleskind family embodies the qualities that AMC strives to put at the forefront of operations: compassionate leadership, responsible business strategy, and a desire to serve. They built AMC from the ground up and have been integral in the transition from small business to a larger-scale mortgage bank.

Patricia Karleskind


Alameda Mortgage Corporation, NMLS #271603, Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.