Banco Popular de Puerto Rico

Robert comes to Mortgage Cadence with a robust knowledgebase of Mortgage Banking compiled from his 14 years of experience in the Mortgage Origination and Servicing domain. His deep understanding of the business has allowed him to successfully provide technology solutions to complex business problems in ever-changing environments. Robert helped American Home Mortgage grow from a small regional mortgage bank to a Top 10 Lender in Retail, Wholesale and Correspondent lending and was responsible for the growth and development of the company’s LOS and POS. He was a member of the Executive Management Committee and helped integrate 16 companies American Home acquired in his time there. Most recently, Robert was the Chief Technology Officer at Bridgefield Mortgage Corp, a mortgage servicer specializing in distressed asset servicing, successfully redesigning the organization’s Disaster Recovery Plan and was an integral part in helping Bridgefield obtain its SAS70 certification. Robert received his Bachelor’s Degree from S.U.N.Y at Stony Brook and also completed extensive course work at St. John’s University School of Law.

Based in Chelsea, Mich., John McDermott is a real estate and elder care attorney who represents both consumers and businesses. He can be emailed at jamcd@comcast.net.

Jim Connell is the Chief Information Officer at Sierra Pacific Mortgage, a top 30 national mortgage banking company. He has over 20 years of experience in the mortgage industry, including positions as General Counsel at Saratoga Savings and Loan, founder and president of his own mortgage business, and serving as the Business Technology Officer for The Money Store’s Home Improvement Division. In addition, Jim is a certified PMP (Project Management Professional) and has for 15 years managed complex technology projects, including implementation of Loan Origination Systems, workflow and process improvements and implementation of Document Imaging and Business Intelligence systems.

Dr. Healy is a founding principal and President of Level1Analytics, LLC. Level1 provides financial modeling software and services to the mortgage lending industry. Previous experiences include executive roles at: Hanover Capital Partners; Countrywide Securities; CoreStates Capital Markets; CEO of Kislak National Bank; and VP and CFO of the consumer banking sector of Chase Manhattan Bank. He began his career at Chase as an assistant to David Rockefeller. Dr Healy earned a B.S. Cum Laude in Math/Economics; MBA specializing in Banking; and a Doctorate in Business Administration with an emphasis on the business application of information technology. Tom also holds the Certified Mortgage Banker designation. A Master Faculty Fellow of the Mortgage Bankers Association, Tom is a frequent lecturer and author on asset optimization topics to the financial services industry both here and abroad.

Dave Vida has more than 20 years of financial services experience. He is currently president of LenderLive�s Loan Servicing and Correspondent Lending divisions.

Dan Danner is president and CEO of the National Federation of Independent Business, which represents 350,000 small-business owners in Washington, D.C. and every state capital.

Mark Greco is the President of 360 Mortgage Group based in Austin, Texas. 360 Mortgage Group is an emerging leader among wholesale mortgage bankers. Mark can be reached at mgreco@360mtg.com . For more information on 360 Mortgage Group visit www.360mtg.com

Penny Showalter is a managing director for Cognitive Options Group, a regulatory compliance consulting firm that also provides companies with operational, transactional and outsourcing services.

Michael Christensen is director of strategic relations for CoreLogic Collateral Solutions. He is responsible for managing key communications and messaging for existing and new valuation products, services and clients. Prior to joining CoreLogic in January 2011, Michael was president of National Transaction & Valuation, Inc., a real estate counseling, valuation and due diligence firm. He previously held several executive roles at LandAmerica Commercial Services and LandAmerica OneStop, where he was involved in business development, client management and executive profit center management. He led his own appraisal firm for 18 years, Michael H. Christensen & Associates, Inc., until merging his business with the LandAmerica Financial Group of Companies. Michael has more than 25 years of executive experience in innovative valuation, market development, contract negotiation and operations management. He is qualified as an expert witness in Utah District and Federal Bankruptcy Courts and has extensive courtroom experience. He also served two terms as Governor's appointee to the Utah Real Estate Appraiser Licensing and Certification Board; serving as vice chair and chair of that board. He currently serves on the board of directors for an FDIC insured Bank and has served on a variety of public and private and industry boards, committees, and panels.Michael holds a bachelor’s of science degree in business management, as well as the SRA professional designation offered by the Appraisal Institute.

Mr. Emerling has over 40 years of management expertise in banking and mortgage lending with extensive experience in operations, regulatory compliance, servicing, and risk management.� Mr. Emerling previously served as the President of a national FHA Association and served as the speaker for Fannie Mae, the National Reverse Mortgage Lending Association (NRMLA) and the Mortgage Bankers Association (MBA).�Mr. Emerling has spent the last 7 years managing quality control, operations and servicing compliance within the forward and reverse mortgage lending industries. From 2005 to 2009, Mr. Emerling was responsible for developing and managing the compliance, risk and quality control systems for Financial Freedom Senior Lending Corporation.� At its peak, Financial Freedom was funding more than 4500 reverse mortgage loans per month of which Mr. Emerling was responsible for the FHA quality control audits, FHA insuring, regulatory compliance, servicing compliance, wiring detail and overall risk management.� He was also responsible for the oversight of any OTS, FDIC, FHA or other GSE audits.Since 2011, Mr. Emerling has worked as the Senior Vice President of Mortgage Operations at Silvergate Bank, a California state charted bank. He has oversight for the lending operations for both the forward and reverse mortgage departments. He also interfaces with the servicing departments for both forward and reverse mortgages.