Steven Szpytek

Steven Szpytek is our Executive Vice President and Chief Operating Officer.
Mr. Szpytek has served as Encore Credit's Chief Operating Officer and Executive Vice President since February 2002 and as a director since March 2003.
Prior to joining us, Mr. Szpytek held several positions with New Century Mortgage Corporation, including serving as Senior Vice President--Chief Credit and Appraisal Officer from 2001 to 2002, Senior Vice President Division Manager from 1999 to 2001, Vice President Regional Manager from 1998 to 1999 and Assistant Vice President Operations Manager from 1996 to 1998.
Mr. Szpytek served as Non-Conforming Compliance/Due Diligence Underwriting Manager of Household Financial Services from 1995 to 1996.
During 1995, Mr. Szpytek served as Staff Mortgage Insurance Underwriter for GE Mortgage Insurance.
Mr. Szpytek held several positions with Household International, including serving as Underwriter/Senior Underwriter from 1992 to 1995 and Account Executive/Branch Sales Manager from 1988 to 1992.
Mr. Szpytek has over 16 years of subprime and prime lending and consumer finance experience.
Mr. Szpytek received a bachelor's degree in business, economics and psychology from Cornell College.