Adrienne Thorson serves as Chairwoman and CEO. Adrienne has 30 years’ experience in financial services, including 20 years at AmeriNat.  Prior to coming to AmeriNat, Adrienne was CFO of Americana National Bank and spent 8 years in public accounting at CliftonLarsonAllen LLP.  Adrienne holds a Bachelor’s degree in Accounting from Mankato State University and is a Certified Public Accountant.


Shaunda Clark

Shaunda Clark serves as Chief Financial Officer.  Shaunda has 17 years’ experience in corporate and financial strategy, risk mitigation and balance sheet management.  Prior to AmeriNat, Shaunda served as the Chief Financial Officer for various financial institutions in Nevada and Washington.  Shaunda holds an Executive Master’s degree in Business Administration and a Bachelor’s degree in Accounting from the University of Nevada, Las Vegas.

Michael Torres serves as COO.  Mike has 30 years’ experience working for AmeriNat. Prior to his employment with AmeriNat, Michael served in the United States Marine Corp.  Michael holds a Bachelor’s degree in Business Administration with an emphasis in Finance from the University of Phoenix.


Mark Fredericks serves as Senior Vice President of Multifamily Services.  Mark has over 17 years’ experience in affordable multifamily real estate finance and Section 42 Low Income Housing Tax Credit investments.  Prior to AmeriNat, Mark was Vice President for Wachovia Bank and Bank of America. Mark holds a Bachelor’s degree in Accounting from Florida State University.


Tim O’Malley serves as Senior Vice President of Sales and Marketing.  Tim has 12 years’ experience working for AmeriNat.  Prior to AmeriNat, Tim was National Government and Education Sales Representative for Nikon, Inc.  Tim is active in the support of affordable housing across the United States.  Tim holds a Bachelor’s degree in American Studies from University of Maryland.



Anesu Manjengwa serves as Director of Information Technology.  Anesu has 25 years’ experience in Information Technology, includ­ing 16 years at AmeriNat. Prior to AmeriNat, Anesu was an IT Consultant for Cal Poly Pomona. Anesu holds a Bachelor’s degree in Computer Science from California State University, Los Angeles.



Micki Gylten serves as Regional Sales Manager.  Micki has 25 years’ experience in the financial industry.  Prior to AmeriNat, Micki held various positions in banking and insurance.  Micki holds a Bachelor’s degree in Finance from Ball State University.




Debbie Vranesh serves as Operations Manager.  Debbie has 32 years’ experience working in financial services.  Prior to AmeriNat, Debbie worked with Financial Partners Credit Union. Debbie holds an Associates degree with a Certificate in Accounting from Orange Coast College.

Victor Merritt serves as Director of Default Management.  Victor possesses a strong background in loan servicing, risk management and compliance.  Victor brings 23 years’ collections experience to AmeriNat.  Victor holds a Bachelor’s degree in Economics from Rutgers University.



Jennifer Zollman serves as Service Support Manager.  Jennifer has 17 years of loan servicing experience.  Jennifer holds an Associates degree with a special emphasis on the foundations of business from the University of Phoenix.



“Thanks again for checking up on us again. I must say I truly appreciate you and the staff there at AmeriNat always being so accommodating to our needs and requests. Since our partnership began in March of 2012 we have seen our delinquency rate go from double digits to single digits, a feat we had been struggling with for years. AmeriNat’s customer service has been second to none and we continue to be excited about our partnership both now and in the future!”

Phyllis Brown, Deputy Director
City of Albany, GA