Disrupting the affordable housing market by offering better solutions to residents, property owners and investors. Padsplit is on a mission to solve the affordable housing crisis one room at a time.

• Managed four lines of business and client relationships for 55 financial institutions including regional, middle market and community banks in ten states including CA, FL, GA, SC, TN, MA, NC, MN and PA.• Performed whole loan originations and sales function for $382M triple net lease business.• Propelled whole loan sales fee income of $1.5M in FYE 2016.• Increased deposit portfolio by $100M in 2015, adding 10 new relationships, while Marketing & Portfolio Manager for the Financial Institutions Group, managing a deposit portfolio of $260M.• Direct Sales, Trader and Portfolio Manager Initiatives for interest rate derivative group, resulting in a YTD notional of swap portfolio of $112M and a fee income of $500k in FYE 2016. • Achieved $285k of FX fee income in FY 2016, with FX income of $372K in fiscal year 2015, as a sales trader and portfolio manager for foreign currency exchange group.• Initiated and maintained relationships with interest rate derivative, real estate broker, whole loan sales and foreign exchange vendors, including: Chatham Financial, Wells Fargo, Raymond James, Cantor Fitzgerald, Highland Financial, Sandler O’Neill, Bannockburn Global Forex, Stan Johnson and Marcus Millichap.• Led oversight for syndication process including business development, loan document negotiation and deal closings.

Credit Derivatives Swap (CDS) Trading• Conducted relative value analysis of corporate bonds and credit default swaps.• Priced corporate bond and credit default swap positions for daily P&L calculations.• Reviewed credit agency and research reports for company specific information/industry trends.• Determined appropriate interest rate hedge ratios for corporate bond positions.• Collaborated with trading counterparts to facilitate the execution of bond and CDS trades.• Trained entry and mid-level personnel on fixed income mechanics and Bloomberg functionality specific to pricing interest rate swaps, credit default swaps and corporate bonds.Associate, Financial Services & Technology Group • Completed financial statement and peer comparison analysis and forecast modeling for commercial banks/financial services.• Designed regulatory capital projection and peer comparison model currently used by the group.• Discovered and explained capital market opportunities to clients resulting in profitable cross selling.• Modeled LBO, M&A, debt refinancing, interest rate derivative, sale/leaseback and share-repurchase transactions for commercial banks and financial services.Capital Market Originations Group • Performed financial statement analysis, peer comparison analysis and forecast modeling of complex capital market transactions (ex. LBO with interest rate derivative component).• Created pitch books and credit information memorandums for 50+ clients annually. • Formulated strategic financing solutions for middle market corporations.

• Consulted corporate executives on the design and implementation of comprehensive investment and retirement strategies.• Prepared income tax returns for clients and evaluated tax effective wealth transmission strategies. • Coordinated asset ownership and beneficiary designations.• Facilitated the diversification of heavily concentrated company stock and stock option holdings.

• Selected as a junior partner for one of the first financial advisory groups on Wall Street solely targeting professional athletes.• Co-managed $350M in fixed income and equity investments.• Increased outreach to NFL clients by preparing and delivering marketing presentations.