I am a fintech entrepreneur and executive with extensive experience in U.S. housing and mortgage markets. Pioneer and mortgage analytics founder focused on the acquisition and use of dynamic data and advanced methodologies for the creation of proprietary models. Deep knowledge of the investment and commercial banking industries, mortgage banking industry, housing industry, and financial regulatory environment. Provided model validation and governance to Systemically Important Financial Institutions (SIFI).A Developer of numerous mortgage-related products in the U.S., European, and Australian mortgage markets. Experience in research, modeling, and risk management spans both the public and private sectors. Created numerous trading and forecast analytics and models. Published numerous academic and professional studies. Collegial manager who excels in mentoring professionals.CORE COMPETENCIES:Fintech | Data Science | Natural Language Understanding | Data Visualization | Machine Learning | Deep Learning | Artificial Intelligence | Modeling | Model Validation | Model Governance | Forecast Modeling | Cloud Computing | Big Data | Database Administration | Mortgage Finance | Mortgage Analytics | Housing Markets | Capital Markets | Consumer Credit Risk | Prepayment Risk | Information Technology | Board Advisor | Litigation Support | Expert Reports | Expert Testimony | Risk Management | Investment Research | Team Building
Housing And Mortgage Research, Llc
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PrincipalHousing And Mortgage Research, Llc May 2024 - PresentPrincipal consultant providing advisory, modeling, data science, governance, and strategic business services to fintech, capital markets, and investment companies. I leverage deep experience in developing and managing research organizations within U.S. investment firms and commercial banks as a senior leader and managing director. My expertise supported both the Federal Housing Administration and the Federal Reserve Bank of New York with risk management analytics post-Crisis. Understanding the current pressures on the U.S. residential and commercial mortgage markets requires the proven expertise that Housing and Mortgage Research, LLC offers.
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Vice President, Product, Data And AnalyticsRadian Dec 2018 - May 2024Wayne, Pennsylvania, UsNegotiated sale of Five Bridges Advisors, LLC to augment Radian’s housing market services business. Led development of automated valuation models (AVMs) of U.S. house prices, housing strength indicator, and sentiment analysis of realtor comments, enhancing Radian’s intellectual property and reputation. -
Principal And Co-FounderFive Bridges Advisors, Llc Jul 2008 - Dec 2018Bethesda, Md, UsRecognized as a leading researcher and developer of one of the largest repositories of mortgage, real estate, economic and consumer data in the US. Founded fintech company to provide housing and mortgage analytics, advisory, and consulting services post-Financial Crisis. -
Senior Managing Director And Portfolio ManagerFriedman Billings Ramsey Jul 2004 - Jun 2008Managed fixed-income portfolios and research into single-family and commercial mortgage-backed securities to support security structuring, new issuance, secondary trading, and sales. -
Director Of ResearchGmac-Rfc Securities, Llc Nov 2002 - Jul 2004Responsible for fundamental and relative value analysis and monthly surveillance of non-agency mortgage-backed securities, issuers, and servicers to support security structuring, new issuance, secondary trading, and sales.
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Managing Director, Real Estate Capital MarketsBank Of America Aug 1998 - Feb 2002Charlotte, Nc, UsResponsible for research into fundamental and relative value of agency, non-agency, and commercial mortgage-backed securities to support security structuring, new issuance, secondary trading, and sales. -
Managing Director, Mortgage-Backed Securities ResearchChase Securities Inc Feb 1996 - Aug 1998
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Managing Director, Mortgage-Backed Securities ResearchSmith Barney Inc. Oct 1993 - Feb 1996
Michael Youngblood Education Details
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University Of LondonEconomic History -
University Of PennsylvaniaEconomics -
University Of Texas At AustinPlan Ii (Honors)
Frequently Asked Questions about Michael Youngblood
What company does Michael Youngblood work for?
Michael Youngblood works for Housing And Mortgage Research, Llc
What is Michael Youngblood's role at the current company?
Michael Youngblood's current role is Fintech Entrepreneur | Founder | Board Advisor | Residential Mortgage Markets | Data Science | Financial Modeling | Information Technology | Risk Management | Capital Markets | Commercial Real Estate Markets.
What schools did Michael Youngblood attend?
Michael Youngblood attended University Of London, University Of Pennsylvania, University Of Texas At Austin.
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