Banco Popular de Puerto Rico

Samantha Manfer is Director of Business Development at Prospect Mortgage. Prospect Mortgage is one of the nation’s largest independent lenders participating in purchase transactions, traditional refinance and portfolio refinance. Recently, her focus has been on winning strategies in mortgage originations. She has been instrumental helping portfolio owners move qualified borrowers out of over-leveraged, ARM, negatively amortizing or higher than market rate loans. Prospect offers both traditional and a HUD sponsored lending products such as Short Refinance 1023 Program and Hope for Homeowners. Educated at UCLA, Samantha has worked in the financial services industry for several years. In addition to her current work at Prospect Mortgage, her background includes Warehouse Financing, Correspondent Lending, REO/Short Auction experience. This broad and unique background has enabled Samantha to develop unique insights into the today’s current challenges.

Mr. Nicoletti is a Managing Director in Jones Lang LaSalle’s Capital Markets Group with over 20 years of real estate sales and investment banking experience.  Mr. Nicoletti leads Jones Lang LaSalle’s Special Asset Services unit, which has completed over $11 billion of advisory and transaction engagements for financial institutions related to restructurings and workouts, non-performing individual and portfolio loan sales and the sales of assets and notes through an online auction platform.  Mr. Nicoletti is responsible for driving and coordinating the client relationship management and business development efforts directed at banks and special servicers for distressed loan and REO assets and coordinating the delivery and execution of Jones Lang LaSalle’s platform services in assisting financial institutions, banks and special servicers with their distressed real estate assets.  Mr. Nicoletti has been involved in real estate asset sale transactions for major institutional, private and corporate owners totaling over $5 billion.  Prior to joining the firm in 2007, Mr. Nicoletti headed the NY Metro Capital Markets Group at HFF, a real estate investment banking firm specializing in investment sales, debt and equity and structured finance where his responsibilities included overseeing and directing all investment sale and capital market assignments.  Mr. Nicoletti was also a Managing Director and Head of Capital Markets for The Garibaldi Group, a Senior Vice President at Rockwood Realty Associates and an Investment Manager at MetLife Real Estate Investments. Mr. Nicoletti has a BS in Economics from Fairleigh Dickinson University. Mr. Nicoletti is affiliated with the Urban Land Institute, the National Multi Housing Council, the International Council of Shopping Centers and the National Association of Office & Industrial Properties.

Robert Klein is the founder and chairman of the board for Safeguard Properties. Under Robert's leadership as CEO, Safeguard grew from a handful of employees in 1990 to over 900 today, with an extensive network of contractors throughout the United States, Puerto Rico, and the Virgin Islands. Robert developed Safeguard around the motto "Customer Service = Resolution" with the mission of creating a company focused on client satisfaction and strong business relationships. Robert assumed the role of chairman in May of 2010. Since Safeguard's inception, Robert has developed and maintained a reputation as an innovator and is recognized as a leader and an advocate for the industry. Robert continually focuses his attention on initiatives affecting our clients, providing current and relevant industry information and offering creative solutions to meet their needs. Robert serves as chair of the National Vacant Properties Registration Committee of the Mortgage Bankers Association (MBA). He also represents not only Safeguard, but the industry as a whole, in national associations including MBA, USFN, CMBA and REOMAC. He has been a session leader and panelist at their yearly conferences, in addition to being the primary sponsor of the annual National Property Preservation Conference, which began in 2004.In 2009, Robert received the prestigious Ernst & Young Entrepreneur Of The Year® Award. He won both in the northeast Ohio region in the category of professional services and asset management firms, and nationally in the servicing category.

With over 25 years of financial expertise, Mr. Wallace is the former EVP of Capital Markets for WMC Mortgage, a position he held from 1997 through 2007 where he was responsible for the sale and securitization of approximately $100 billion of production. Prior to joining WMC, he was the CFO of Spring Mountain Group and Pioneer Savings and Loan from 1994 until 1997. Prior to that, Mr. Wallace was employed by Security Pacific Bank/Bank of America for eleven years in a variety of financial positions, financial planning and analysis, two years in the Interest Rate and Currency Risk Management Group and nine years for the Residential Real Estate Lending Group. He is graduate of the University of Southern California with a degree in Business Administration and earned his Master's Degree in Business Administration from UCLA.

Will Doby joined the MetLife Legal Department in January 2011 and supports all aspects of MetLife Home Loans' mortgage servicing operation. He has more than seven years experience as in-house counsel supporting mortgage servicers. Prior to going in-house, Mr. Doby was an associate in the Creditor's Rights Section of Locke Liddell and Sapp LLP. Mr. Doby holds a BA from Southern Methodist University and a JD from the University of Houston Law Center.

Armand Massie is Executive Vice President for the mortgage banking practice of Financial Consulting Corporation. For over 26 years, FCC specializes in providing marketing research, subject matter expertise, operational support and introductions to top leaders of Fortune 500 companies, primarily in the mortgage banking and telecommunications industries. Armand has over thirty years experience in senior leadership roles managing Originations, Processing, Underwriting (Prime, Sub-prime, and Government Mortgages), Audit, and Loan Servicing for Citigroup, Aegis Mortgage and Bank of America. As a result, he understands the cause and effect internal controls, standardized processes, underwriting standards, corporate audit functions, reporting and investor relations have on the business. Like many in the industry, Massie's current focus has been assisting clients in the areas of default management, short sales, deed in lieu and other foreclosure prevention strategies. Massie studied at both Rider University (New Jersey) and the University of North Carolina.

Jeffrey McKay is Executive Vice President and Manager of BB&T’s Note Sales Group.A 25-year BB&T veteran and graduate of BB&T’s leadership development program, Jeff has served in various commercial lending, loan administration and management capacities. Prior to forming the Note Sale Group in September 2010, he founded BB&T’s Commercial Real Estate Owned (CREO) division in January, 2009. The Note Sales and CREO teams provide strategic management, servicing and disposition for both commercial loans classified as “Held for Sale” and for large, complex foreclosed real estate projects. Prior to formation of the Note Sale and CREO groups Jeff served as Subsidiary Manager for five of BB&T’s “Specialized Lending” companies. In this capacity Jeff was a board member and responsible for BB&T’s investment and strategic direction in: Lenmark a 110 branch consumer finance companyAFCO/CAFO, respectively the 2nd and 1st largest provider of insurance premium finance in the US and CanadaBB&T Equipment Finance, a middle to large ticket commercial leasing companyBB&T Governmental Finance, a direct municipal finance/leaderBB&T Small Business Partners, a SBA preferred lenderJeff is a graduate of Campbell University's Lundy-Fetterman School of Business and the Stonier Graduate School of Banking. An avid outdoorsman, Jeff is also a board member and past president of the Lumber River Conservancy, a Non-Profit Land Trust serving southeastern NC.

Steven M. Schultz is CEO of Helios Capital, an affiliate of The Schultz Organization a full service real estate platform. Over the past two decades, Steven has negotiated and developed deals totaling more than eight million-square-feet and has cultivated strong relationships with a diverse range of clients, strengthening his reputation as being one of the most active and accomplished real estate professionals operating in the New York, New Jersey, Pennsylvania, and Connecticut markets. His unique style and leadership allows him to attract and secure notable clients across all asset classes who continue to work with him on their endeavors as they move forward to grow their businesses. Steven’s vast knowledge and expertise in the markets in which Helios Capital remains most active – New York, New Jersey, Pennsylvania and Connecticut – make him a trusted advisor to his clients, and help guide the continued growth and expansion of Helios Capital in the small balance, non-performing loan space as well as REO and investment sales. Prior to forming Helios Capital, Steven was a Co-Founder, of The Schultz Organization, LLC, founded in 1990. He additionally helped form and cultivate the rapid success of two other companies – Pyramid Property Partners, a development company and Onyx Equities, LLC, a private equity fund. Steven feels strongly about giving back to his community through fundraising and volunteering efforts, and is very active with several charities and organizations including the National MS Society, Move for Hunger and American Cancer Society. Steven currently sits on the board of directors for The Count Basie Theater located in Red Bank, New Jersey, and most recently served as chair of its Restoration and Renovation Committee for the duration of a three year, $10,000,000 renovation and restoration project to return the theater to its former grandeur.

Rick is the Chicago-based managing director of the Advisory Services Group at Corvus where he directs the teams which provide consulting, planning, review and oversight services for clients nationwide. Rick's extensive and diverse private and public sector professional experience includes commercial real estate mortgage lending, underwriting, acquisition consulting, portfolio review and due diligence. Prior to joining Corvus, he served in senior underwriting positions for several mortgage origination firms in Illinois and California, was the senior manager of the Capital Markets Support Group of American Express TBS/Altschuler, Melvoin & Glasser, and managed multiple government contracts for the Federal Deposit Insurance Corporation, Resolution Trust Corporation, Federal Home Loan Bank and U.S. Department of Housing and Urban Development. Rick received a bachelor’s degree in accountancy with high honors from the University of Illinois at Champaign-Urbana.

Lisa Zakrajsek leads marketing, marketing research, cross-sell, customer retention, creative services, eBusiness and customer insights & analytics for Wells Fargo Home Mortgage. The nation’s top home mortgage lender, Wells Fargo Home Mortgage provides home loans to one of every four households in America and services mortgages for one in every six. Prior to her current role, Lisa served as senior vice president of Marketing and Product Development for Wells Fargo Home Mortgage. She joined the company in January 2001 after 18 years in the packaged goods industry. Lisa spent three years at The Campbell Soup Company as Vice President and General Business Manager for the U.S. Soup Division and, prior to that, 15 years at The Pillsbury Company running numerous consumer product business lines. Lisa has a bachelor’s degree in music from Northern Illinois University and an MBA from the University of Minnesota Carlson School of Management.