Our Team

Daniel Mandel – Mortgage BrokerPresident/Principal Broker

daniel@concretemortgage.ca M#09001127

Daniel specializes in commercial, construction and residential mortgage origination and placement. After graduating from Trent University with a Bachelor of Business Administration with an emphasis in sustainability, Daniel has obtained licenses as a mortgage broker and as real estate agent. Daniel has further expanded his commercial knowledge by completing two Centennial College accounting certificates and continues to upgrade his skill by completing new courses and programs offered by the George Brown construction program. Daniel also has a growing student rental portfolio. With his practical experience and educational knowledge Daniel Mandel can provide his investors and borrowers with an expanded base of understanding necessary to negotiate the sophisticated transactions of today’s financial world.

Allen Azoulay – Mortgage AgentMortgage Agent & Investor Relations

allen@concretemortgage.ca M#16000505

Allen’s breadth of experience in financial advising originated from customer service relationships with clients of the Bank of Nova Scotia (Scotiabank) to becoming account executive at Print Three Corporation’s leading retail branches before qualifying as an independent financial advising broker of which he continues to excel. He is also young and passionate noted scholar, educator, author, political activist, and entrepreneur. He holds a Bachelors Degree in Liberal Arts Major in Marketing from Excelsior College, a Masters degree from Yeshiva University in Education and Administration. Allen Azoulay is a Mortgage Agent and head of Investment Relations for Concrete Mortgage Capital Inc.

Francine Zrihen – Mortgage AgentInvestor Relations & Business Development

francine@concretemortgage.ca M#18001246

Francine Zrihen was born in Montreal where she was a former educator and taught in Yeshiva Yavneh Academy. She later moved to Toronto and managed several businesses, and later got into the field of finance. Francine recently received her mortgage license under Financial Services Commissions of Ontario, and is currently a Mortgage Agent with Concrete Mortgage Capital Inc. Francine is involved with both investor relations and Business Development.