Senior Banker in Natixis’s Global Structured Credit & Solutions business focused on sourcing, structuring, and executing financing and capital markets activities across the consumer credit and residential housing spectrums.Initiated Natixis’s residential mortgage banking effort. Developed business strategy, identified target markets, products, and clients. Worked with internal partners including credit, operations, and risk management to develop processes and controls to effectively manage warehouse and RMBS exposures. Received product support and approval from senior management. Sourced all new residential mortgage business opportunities, structured, and closed residential whole loan financing facilities. Underwriter of 25+ RMBS transactions since 2021. Drove product expansion effort into other residential mortgage and housing related financing products, including second liens, HELOCS, home equity investments, manufactured housing, single-family rental, transitional lending, home improvement, solar, Property Assessed Clean Energy (“PACE”), and other housing related markets.Assist in the sourcing, structuring, and diligence of prime and non-prime consumer credit activities of Natixis’s ABS group. Products include prime and non-prime auto and consumer loans, buy-now-pay-later lending, data warehouse, and others.

Senior member of BlackRock’s Advisory Group responsible for advising, managing, and liquidating a range of performing and distressed residential mortgage and consumer assets to clients in the U.S. and international markets. Portfolio manager for the Maiden Lane Portfolio (assets of legacy Bear Stearns) for the Federal Reserve Bank of New York. Developed collection and loss mitigation strategies to stabilize a portfolio of sub-prime residential mortgage loans. Implemented key performance indicators and reporting metrics to improve servicer performance. Worked with client to develop and execute liquidation strategy for the portfolio. Advised large international bank on the disposition of its residential mortgage business, which included a $48 billion residential loan portfolio and residential mortgage servicing operation. Strategic disposition alternatives considered included sale of business, sale of mortgage servicing platform, and portfolio liquidation.  Acted as loan sale advisor on disposition of $28 billion of performing, non-performing, and re-performing loans.Senior advisor on bank diagnostics in Ireland and Greece as part of each countries “bail out”. Oversaw residential mortgage and consumer finance portfolio analysis of large and systemically important banks to project the impact of losses on each bank’s holdings and overall capital position. This results of this work was used to determine the size and scope of each countries austerity rescue package.Advised Central Bank of Ireland and Central Bank of Greece on the management and disposition of member banks distressed residential mortgage portfolios. Provided recommendations for loss mitigation programs to minimize losses and improve loan performance. Developed non-performing loan reporting criteria and loss mitigation waterfall that was adopted by the European Central Bank as required reporting and loan workout procedures for member banks.

Senior executive of this specialized mortgage investment platform and servicing platform.Collaborated in the development of the corporate strategy to purchase and manage credit sensitive residential mortgage portfolios and enhance returns by using its wholly owned, high touch servicing platform and loss mitigation strategies.Created strategic business alliances and transaction structures, including joint ventures, value-added servicing strategies, structured transactions, and synthetic risk transfer solutions, to better align financial incentives between servicer and the owner of the loan.Participated in all investment decisions to determine appropriate pricing levels to meet return objectives. Assisted in the development of the servicing and loss mitigation strategy for each portfolio. Participated in monthly performance reviews with servicing personnel.

Senior Banker in Citigroup’s Mortgage Finance Group focused on residential mortgage loan and small balance commercial mortgage originators, servicers, and issuers. Developed financial and capital markets solutions for client base, including whole loan trades, securitizations, repurchase/warehouse financings, single-seller asset-backed commercial paper facilities, purchase/financing of residuals, and other products. Managed wind-down of Citigroup’s exposure to the sub-prime and Alt-A mortgage market segments in 2007, including asset-backed commercial paper facilities, warehouse, and repo facilities.

Founder of AGS Financial LLC (“AGS”), an investment banking and advisory firm, specialized in the development of mortgage and asset-finance programs in the U.S. and international markets.Provided securitization and advisory services to U.S and international originators, issuers, government institutions and banks to develop and implement programs to access domestic and international sources of capital through securitization, structured financings and whole loan trades.  Established strategic partnerships with local partners, including companies to purchase and service distressed consumer assets in Brazil, a master servicing and reporting company for the domestic securitization markets in Chile, and an advisory business in Argentina.Worked directly with multilateral organizations such as the Overseas Private Investment Corporation, the Inter-American Development Bank, World Bank and others, to develop international investors’ appetite for residential mortgage backed transactions in Latin America, Asia and Eastern Europe.Provided loan level due diligence, mortgage servicer reviews, mortgage product analysis and other services to mortgage lenders and Wall Street clients in the U.S. market.

Vice President in the Mortgage Finance Group