Banco Popular de Puerto Rico

Bridges Stewart is Regional Area Manager for HomeSteps, a unit of Freddie Mac. Bridges joined Freddie Mac in 2008.In his role he is responsible for the REO portfolio in Northern California, Northern Nevada, Washington, Oregon, Montana and Hawaii. He supports the Listing Broker Network by working closely with the Operations Teams, Supplier Network and HomeSteps Outsourced Partners. Bridges provides demographic analysis on market trends and recommends strategies to support Freddie Mac’s organizational goals to mitigate risk and ensure consistent business practices. He is also provides Broker Training on Property Valuations as well as HomeSteps Policies and Procedures. As Regional Area Manager he supports Affordable Housing Initiatives by providing assessments of his geographic markets while ensuring that Freddie Mac assets are disposed of in a way that maximizes recovery and benefits the communities. Prior to joining Freddie Mac, Bridges held management positions with Countrywide Home Loans, CitiMortgage, and Bank of America. His focus has always been on Affordable Initiatives and building strong community partnerships. Bridges received a Bachelor's degree in Corporate Finance from California State University, Hayward and he holds a current California Real Estate License.

Mr. DePalma is responsible for the management of client relationships and the implementation of progressive loss mitigation techniques in order to maximize the return to investors. He oversees foreclosure, bankruptcy and REO management as well as loan sales and acquisitions. Prior to joining AMS Servicing in May 2008, Mr. DePalma was President of Loan Servicing Solutions, a special servicing default shop located in Buffalo, NY. In 2005, Mr. DePalma was hired by Nomura Securities International, Inc. to establish a Credit Management, Special Servicing, MBS oversight and Loan Administration platform for NSI’s $15 billion whole loan residential conduit.Before NSI, Mr. DePalma was employed by Wells Fargo Home Mortgage as Director of Special Servicing for the HUD 601 Program, where he was given overall responsibility for the development of the special servicing platform.Prior to Wells Fargo Home Mortgage, Mr. DePalma was Vice President of Default Management and Special Servicing for North American Mortgage Company in Tampa, FL. During Mr. DePalma's tenure, North American Mortgage serviced $50 billion in mortgage assets and was a HUD Tier 1, FHLMC Tier 1 and FNMA Top Servicer in Default Management.Preceding North American in 1997, Mr. DePalma was a Principal and Executive Vice President at Clayton National Inc., a special servicing company serving primarily the investment banking sector, where he had overall responsibility for the servicing operation as well as information systems development, client relations and business development.Mr. DePalma has also held various management positions in mortgage banking and finance at First Federal Savings and Loan of Rochester, NY and began his career at Moody’s Investor’s Services as a Financial Analyst.Mr. DePalma holds a B.S. in Business Administration from St. Bonaventure University.

Bill Garland is executive vice president, strategic relationships and development, for Decision Ready, a technology provider based in Irvine, CA.  A mortgage industry veteran with over 30 years of experience, Garland is an expert in managing and developing mortgage servicing operations, and has managed technology-related outsourcing opportunities for many years.    

Prior to joining RCS, Mr. Stowe served as President and COO for Saxon Capital, Inc. (�Saxon�) Mr. Stowe joined Saxon in 1994 as President and CEO of its affiliate Saxon Mortgage Services, Inc. to build the company�s subprime mortgage servicing operation. Mr. Stowe led the growth of the platform from a staff of eighteen employees servicing under $1 billion in assets to three hundred professionals servicing approximately $12 billion in assets prior to his departure. Mr. Stowe directed the development of the company�s policies and procedures, training programs and proprietary technology in support of loss mitigation and default asset management. Prior to joining Saxon, Mr. Stowe led the liquidation efforts of Goldome Credit Corporation, a subprime lending and servicing subsidiary of the failed Goldome Bank, for Niagara Portfolio Management.

Karen Deis is the publisher of www.MortgageCurrentcy.com. She is also is president of LoanOfficerTraining.com. To get more information, or to contact her, visit www.facebook.com/loanofficertraining.

Scott Coloney is the president of Fort Lauderdale, FL-based Foreclosure Response Team (FRT). FRT is the only full-service, interactive short sale solution with a national Uniform Short Sale Process. FRT’s Uniform Short Sale Process is made up of a nationwide network (“Response Team”) of local Affiliate real estate agents, title companies and attorneys, combined with a centralized loss mitigation HUB and innovative short sale processing technology, Online Management System (OMS) that streamlines the process from pre-listing to closing. FRT serves as an invaluable third-party resource for real estate agents, title companies, attorneys and mortgage servicers.In 2002, Scott Coloney entered the real estate industry where he utilized his business acumen and negotiating skills to assist buyers, builders, and land developers in the real estate market. Founded by father and son duo George and Scott Coloney, The Coloney Group was formed to assist developers assemble land, as well as handle the sale or lease of pre-construction commercial and residential real estate. Currently becoming the #1 sales team for RE/MAX in the state of Florida by 2007. A continuous innovator, in 2006 Mr. Coloney created Coloney Property Management— which offers a full range of real estate support services for its clients. In 2008, Coloney recognized how imperative a solution to the foreclosure crisis was to the country’s economic turnaround and financial rescue for struggling borrowers and banking institutions.After identifying inconsistent processing methods and problematic system gaps, Coloney discovered the best option for rescuing consumers from foreclosure was in a highly-specialized team of real estate agents, title companies, attorneys and centralized loss mitigation support who worked together to increase short sale success. As the original founder of Orbitz.com (sold in 2000 to international airline conglomerate One World Alliance), Coloney decided to leverage his technology and business-savvy together with his real estate expertise to conceptualize and deliver an interactive and national short sale solution unique to all others. He analyzed opportunities to dramatically improve efficiency, and build a new foundation that offers a stronger, highly-organized and more uniform structure. Coloney formed Foreclosure Response Team, creating the #1 solution to the #1 problem in America.

Kristen Thomas is Vice President, Assistant General Counsel, and Chief Compliance Officer at American Home Mortgage Servicing, Inc. (AHMSI), a third-party mortgage servicer in Coppell, Texas. She is responsible for regulatory compliance within the organization and its subsidiaries, including licensing and examinations, and advises the servicing business on mortgage servicing and debt collection regulations, including the Real Estate Settlement Procedures Act (RESPA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Home Owners Protection Act (HOPA), as well associated state provisions and licensing laws. Ms. Thomas also serves as the Privacy Officer for AHMSI and heads the Policies and Procedures department. Prior to joining AHMSI in 2009, she was with Ocwen Financial Corporation for more than 8 years, where she most recently served as Assistant General Counsel, Compliance, a role in which she counseled the servicing and debt collection divisions of the company on various compliance, governance and transactional matters. She obtained her Bachelor of Science degree in Finance from Florida Atlantic University and her Juris Doctorate from the Shepard Broad Law Center at Nova Southeastern University.

Mr. Levin is President of Rick Levin & Associates, Inc (RLA). He has been in the auction business since 1990. Mr. Levin is a licensed real estate broker in Illinois and a general member of the National Association of Realtors®, Illinois Association of Realtors®, National Auctioneer’s Association, Home Builder’s Association of Greater Chicagoland and was also a member of the National Association of Realtors® Auction Committee.Mr. Levin has experience in all phases of the auction business, ranging from a variety of real estate auctions, including vacant land; commercial office buildings; luxury single family homes; developer close-outs of homesites, townhomes, condominiums and single family homes, vacation properties; processing plants; and shopping centers to personal property auctions for antiques, memorabilia, numerous varieties of vehicles and heavy construction equipment. These sales have been conducted on behalf of a variety of clients, including the Internal Revenue Service, the Chicago Housing Authority, US Bankruptcy Trustees, Fannie Mae, Freddie Mac, state governmental departments, municipal corporations, local school boards, quasi-governmental organizations, non-profits, banks, institutional lenders, insurance companies, retailers, investment corporations, developers and individuals.In 2000, Mr. Levin was appointed by the governor of Illinois to sit on the Illinois Auction Advisory Board, a division of the Office of Banks and Real Estates, which oversees the administration of the Illinois Auction License Act. The License Act regulates the auctioneers who are licensed with the state of Illinois. Mr. Levin was also appointed in 2005 to the Advisory Board of the School of Real Estate at Roosevelt University in Chicago. Mr. Levin graduated in 1986 from the School of Business of the University of Illinois-Champaign/Urbana with a business degree in marketing.

James P. Sherrill leads the portfolio management activities for the MountainView Mortgage Opportunities Funds, which invest in residential whole loans and have $170 million of investable capital. In this role, Mr. Sherrill is responsible for all aspects of loan acquisition and disposition, including pricing, credit management, and servicing oversight. He also supervises the whole loan trading team and their activities for other buyers and sellers. James joined MountainView in 1994 through its predecessor, Matrix Bancorp, where he was instrumental in the sales activities of the institution. He later led the whole loan and mortgage-backed securities trading activities for the bank and holding company. James earned a Bachelor of Business Administration degree in Finance and Banking from the University of Missouri.