Rick has 18 years of industry experience. Starting out in sales with MBNA America Bank straight out of college, he gained an understanding of credit and risk. From there, he made his way through the ranks of various mortgage banking companies as a frontline salesman, operations manager, founder, and has even been acquired by other companies throughout his career. Rick is a member of the Board of Governors for the Maryland Mortgage Brokers and Bankers Association (MMBBA), and sits on the boards of several other local associations and non-profits in the Baltimore metro area.