Angelo Mozilo

Angelo Robert Mozilo (16 ga Disamba, 1938 - 16 ga Yuli, 2023) ya kasance dan bankin masana'antar jinginar gida na Amurka wanda ya kasance co-kafa, shugaban kwamitin, kuma babban jami'in zartarwa na babbar jinginar gida ta Countrywide Financial har zuwa 1 ga Yuli, 2008. Mozilo ya yi ritaya jim kadan bayan sayarwa ga Bankin Amurka don jimlar dala biliyan 4.1 a hannun jari. Matsayin kamfanin a matsayin babban mai ba da rance na subprime mortgages ya sanya shi babban dan wasa a cikin rikicin rance na gaba wanda ya rushe masana'antar, ya fashe kumfa na gidaje wanda ya tara a cikin 2000s, kuma ya ba da gudummawa sosai ga Babban Mawuyacin hali. Mozilo daga baya ya biya fiye da dala miliyan 67 a cikin tarar don daidaita jerin tuhumar tarayya da suka shafi halinsa a kamfanin.  

Rayuwa ta farko da ilimi

An haifi Angelo Robert Mozilo a Bronx a ranar 16 ga Disamba, 1938 . Kakanninsa 'yan gudun hijirar Italiya ne kuma mahaifinsa mai yankan nama ne. Ya halarci makarantun Katolika tun yana yaro, kuma ya taimaka wa mahaifinsa da kasuwancinsa tun yana da shekaru 12. Lokacin da yake da shekaru 14, ya fara aiki a matsayin manzo ga dillalin jinginar gida. Ya kammala karatu a Jami'ar Fordham .

Ayyuka

A shekara ta 1969, shi da tsohon mai ba da shawara David S. Loeb, wanda ya riga ya fara kamfanin ba da rance, sun kafa masana'antar bashi ta kasa a New York.[1] Daga baya suka koma hedkwatar zuwa Pasadena, California, sannan zuwa Calabasas, California, a cikin Los Angeles County.[1] Mozilo da Loeb sun kafa Bankin IndyMac, wanda aka fi sani da Kasuwancin Kasuwanci na Kasuwanci, kafin a cire shi a matsayin banki mai zaman kansa a shekarar 1997. IndyMac ya rushe kuma masu kula da tarayya sun kwace shi a ranar 11 ga Yuli, 2008. [2] Mozilo bai rike mukamin gudanarwa, zartarwa, ko kujerar ba a kowane lokaci da ya kai ga wannan taron.

Bayan da aka jera Countrywide a kan NYSE a cikin 1984, Mozilo ya sayar da dala miliyan 406 (~ $ 1.03 a cikin 2024) darajar hannun jarinsa, galibi ana samun su ta hanyar tallafin zaɓi. $ 129 miliyan (~ $ 187 miliyan a 2024) daga cikin wannan an samu a cikin watanni 12 da suka ƙare Agusta 2007.

Da farko, Countrywide ta kasance majagaba a masana'antar ba da rance ta banki ba, kuma ta girma ta zama ɗaya daga cikin manyan kamfanonin ba da ranta a Amurka. Mozilo ya damu sosai game da ingancin masu ba da bashi da ingancin rance. Lokacin da rance na subprime ya zo wurin a ƙarshen 1980s (Guardian S&L) da 1990s (The Money Store), kamfaninsa bai shiga ba. Ya bayyana mavericks na rance na shekarun 1990 a matsayin "masu cin amana". Koyaya, kamfaninsa ya fara rasa kasuwanci ga masu ba da rance. Dole ne ya yi gasa da su ko ya ci gaba da rasa rabon kasuwa. Don haka, a farkon 2000s, Countrywide ya fara amfani da rance na subprime.

Wataƙila fiye da kowane mutum, Mozilo ya zo ya zama alama, kuma ya ɗauki alhakin, rikicin jinginar gida. A cikin wani fasalin New York Times a ranar 20 ga Oktoba, 2008, Henry G. Cisneros, tsohon sakataren HUD kuma memba na kwamitin daraktocin Countrywide, ya bayyana Mozilo a matsayin "mai fama da damuwa - babi na ƙarshe na rayuwarsa shine abin kunya da aka kawo masa, ko kuma wanda ya kawo kansa. " CNN ya kira Mozilo a cikin 'Goma da aka fi nema: Culprits' na rushewar kudi ta 2008 a Amurka, ka'idar da ta ci gaba da tallafawa A Cikin Ayuba, wani shirin da ya lashe Kyautar Kwalejin game da Rikicin kudi na 2008. Shekaru da yawa bayan haka, Mozilo ya musanta cewa masana'antar ba da kuɗi ta ɗauki alhakin rikicin, a maimakon haka ya danganta shi da matsalar bashi.

Biyan kuɗi

Biyan Mozilo a lokacin da Amurka ta gina gidaje a shekara ta 2001-06 daga baya ya zo karkashin bincike. A wannan lokacin, jimlar diyya (ciki har da albashi, kari, zaɓuɓɓuka da ƙuntataccen hannun jari) ya kai dala miliyan 470. Har ila yau, biyan diyya ya haɗa da biyan kuɗi don membobin daidaito da kuɗin kulob din ƙasa na shekara-shekara a Sherwood Country Club a Thousand Oaks, CA, The Quarry a La Quinta golf club a La Quint, California, da kuma Robert Trent Jones Golf Club a Gainesville, Virginia. Mozilo ya ba da shaida a gaban Kwamitin Majalisar Dinkin Duniya kan Kulawa da Gyaran Gwamnati a ranar 7 ga Maris, 2008, yana kiran rahotanni game da albashinsa "ya wuce gona da iri" a wasu lokuta kuma yana nuna cewa ya rasa miliyoyin mutane. Ya kare albashi: Diyya ta kasance aiki ne na yadda kamfanin ya yi a gaban rikicin jinginar gida.