Executive Bios
Roberto Contreras
Chairman of the Board
Roberto is a businessman with strong ties in the United States, Mexico and Europe. A respected entrepreneur, Roberto has received much recognition for his business accomplishments, including Ernst & Young’s Entrepreneur of the Year Award (2002), Time Magazine’s Visions of Tomorrow Award (2004), and Inc. 500’s list of the 500 fastest-growing private U.S. companies in 2005. Currently, he serves as President and Chief Executive Officer of St. Christopher Holdings (SCH), a privately owned holding company with interests in organizations such as DC Partners, LLC. DC Partners, LLC was formed to be a U.S. Citizenship and Immigration Service-approved Regional Center (EB5). DC Partners’ first EB5 project was The Astoria in Houston, a 28-floor luxury residential building. Roberto is also the principal behind Nations Reliable Lending, LLC and QL Capital Fund, LLC. Additionally, he is on the Boards of the Houston Zoo, Prepared-4-Life’s Lemonade Day Houston, the Board of Trustees for the KIPP Academy, and is a member of the Harris County Sheriff’s Office Foundation and the Young Presidents Organization.
Ron Zach
President & CEO
Ron’s extensive experience, commitment to excellence, caring, and his compassionate style are his greatest strengths as a leader. His career in the mortgage industry started in 2001 on the front lines for another national lender. Nations Reliable Lending (NRL) capitalized on Ron’s skills to help expand their team. In his first year at NRL, he grew the company from four branches to almost twenty – more than tripling the volume. As president of NRL, he believes in taking care of his clients and getting the deal done. Ron’s goal for the company is to be among the top mortgage banks in the country. In 2015, Ron received a Top 40 under 40 Rising Star Award from HousingWire. He is a Houston native and left only for a short while to attend the University of Texas in Austin, graduating in 2001 with a BA in Economics. He returned to his roots in Houston, where he now lives with his wife and their three children.
Mewael Ghebremichael
Chief Production Officer
With over a decade of experience in the mortgage industry, Mewael has worked at all levels of the business, holding previous positions as a Loan Originator, Branch Manager, and most recently, EVP of Operations. As EVP of Production, he currently manages over 60 Branch Managers, and is actively developing new markets. Having formerly managed Operations, he’s focused and motivated in bringing the Ops and Production teams together to maximize potential. He has an FHA Direct Endorsement certification and is a member of the Texas Mortgage Bankers Association and the National Mortgage Bankers Association. Mewael is a native Houstonian and attended the University of Texas at Austin. He lives in Houston with his family and enjoys golf, the Houston Rockets and his Texas Longhorns.
Michael Allen
Chief Secondary Officer
Michael entered the mortgage industry in 1999 as a Loan Processor, then soon became a Loan Originator and Branch Manager. Since co-founding Nations Reliable Lending in 2007, Michael has played a pivotal role in the company’s growth. He has served in many roles at NRL, including underwriting and credit. A member of the Texas Mortage Bankers Association and the National Mortage Bankers Association, Michael also holds an FHA Direct Endorsement. He received his Bachelors Degree in Business Management from Texas A&M. Michael enjoys playing golf and spending time with his family in Houston.
Kevin Murphy
Chief Operations Officer
Kevin is a highly-accomplished mortgage executive with 24 years of experience leading large scale teams on multiple continents.  Kevin is licensed to practice law in Texas, and is also a Lean Six Sigma Black Belt and Certified Residential Appraiser.  He holds a bachelor's degree from Texas A&M University and a law degree from South Texas College of Law.  Kevin enjoys outdoor activities and spending time with his family in Houston.
Joe DeDominicis
Chief Financial Officer
Joe leads the Accounting, Treasury, Finance and Human Resource activities at NRL. He began his mortgage banking career over 25 years ago and has held senior leadership roles with  First Franklin, Clayton Holdings, FirstCity, SN Servicing, National City and Vantium Capital.  Joe brings a unique combination of skills and experience, combining Accounting/Finance, Risk Management, Operations and Portfolio Management. He is a member of the National Mortgage Bankers Association and recently relocated to the Houston area where he lives with his wife and three daughters. Joe completed his Bachelor’s Degree in Accounting at the University of Maryland at College Park, MD and is a licensed CPA (Inactive).