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With over 13 years of broad experience in the financial markets and residential and commercial mortgage industries, both in business and in information technology, Valerie Kernan brings a unique skill set to the management of Epitome Systems’ delivery and training activities. Previously, Valerie spent three years in the Information Technology Department at GMAC Commercial Mortgage (GMACCM), representing the construction lending and affordable lending businesses in North America, origination and servicing activities in Asia, and commercial banking in Europe. Prior to GMACCM, Valerie spent six years as a Senior Examiner in the Institutional Audit Department at Freddie Mac, where she was responsible for analyzing and managing fraud, underwriting and servicing risk, and investor non-compliance of Freddie Mac’s North Central sellers/services. Previously, as an Officer in First Chicago’s Audit Department for four years, Valerie analyzed the bank’s Capital Markets and Trading activities in North America and Asia. Valerie earned a B.A. in International Relations and Business from Lake Forest College. | 