At ARC, Francois is responsible for overall business operations. Since purchasing ARC in January 2007, Francois has focused ARC’s strategy and resources on providing Community Banks, Credit Unions and Mortgage Bankers with a high degree of service and quality for each of ARC’s products (credit, appraisal, escrow, education). Prior to ARC Francois worked in the Credit Risk Divisions of both Bank of America and Washington Mutual. He is a licensed certified appraiser, and a licensed escrow officer. Francois has a Degree in Business Administration from the University of Southern California.