Philip Duncan joined VITEK in 1992 as a principal and leader in residential lending. Along with his teammates, his expertise in sales and marketing has been instrumental in establishing VITEK with brand name recognition as a premier mortgage banking operation. Twin brother of the President, he was the company's first originator of home loans. Duncan now focuses on supporting the marketing efforts of the sales team while developing the company's Reverse Mortgage loan channel.

As a second generation lender and native Sacramentan, he is committed to his career and community. He was a top producer for years prior to VITEK. Beginning as a loan officer at Mason McDuffie/Weyerhaeuser, he rose to Assistant Branch Manager before moving to Criterion Mortgage Corporation as a co-owner.

Mr. Duncan has been a licensed Real Estate Broker since 1983. He is a graduate of the Mortgage Bankers Association of America School of Mortgage Banking. A Certified Toastmaster, he has served and spoken to the Sacramento Association of Realtors where he was recognized as Affiliate of the Year in 2000. Duncan earned his BA from the University of California, Davis in International Relations/Political Economy. He also attended one year at the Universidad Compultense in Madrid, Spain and is fluent in Spanish.