NP, Inc. is now NQM Funding, LLC. Our new name launches our partnership with MassMutual. Responsible for wholesale and correspondent production, product development, investor relations, and marketing nationally.NQM Funding is a top 5 secondary market investor in the NonQM space operating both wholesale and correspondent channels. The company focuses exclusively on NonQM / Nonagency / Jumbo product.

Created a De Novo mortgage correspondent channel in charge of sales, product development, secondary and investor relations. • Prime Jumbo and Alternative Jumbo programs• Bank Statement loans for self-employed borrowers (Non-QM)• DSCR loans for real estate investors (1-4 family)• Construction to Perm takeout (one close) for Jumbo Loan Purchased ~$100mm per month on a delegated and non-delegated basis in all 50 states.

Head of sales, covered Banks, Credit Unions, Mortgage Bankers and RMBS Issuers nationally,

Carrington is a holding company, the primary businesses work in sync with one another to provide a broad range of real estate services encompassing nearly all aspects of single-family residential real estate transactions in the United States.• Worked with institutional investors for MSR excess servicing trades and synthetic (EBO) MSR trades• NPL/RPL investors to source capital and production• Subservicing• Real Estate Management (REO listings and sales)

RCS was a taxable REIT subsidiary of American Capital Mortgage Investment (NASDAQ: MTGE). Later acquired by Annaly Capital Management, Inc. (NYSE: NLY). RCS was a National mortgage lender, investor and a rated seller /servicer.> Active in acquiring Mortgage Servicing Rights (MSRs)> Created a De Novo Mortgage Conduit business (Loans and MSRs)> Subservicer for large banks, GSE's, FDIC and Hedge Funds

Marathon Asset Management, LP is a $24 Bn AUM investment manager focused on opportunistic investing in credit and fixed income markets globally. Marathon manages a family of investment programs principally focused on credit strategies including hedge funds, managed accounts, single-client funds and collateralized loan, and debt obligation vehicles.I focused on: Special Opportunities High Yield & Distressed Debt CRE and Residential Real Estate: Opportunities and Investments Structured Finance: Asset Based Lending and Real Estate Finance Structured Debt Transactions: CDOs, CLOs, ABS, RMBS, CMBSMarix Servicing: Mortgage Subservicer

Goldman Sachs is the second largest investment bank in the world by revenue and is ranked 55th on the Fortune 500 list of the largest United States corporations by total revenue.Fixed Income, Currency and Commodities (FICC) division (private and public side).Vice President of Sales and Trading within the Mortgage Finance group.I purchased mortgage whole loans for the GSAMP shelf through the GS Conduit. > Subprime > Alt A / Alt B> Distressed/Scratch and Dent> ReverseI also marketed mortgage-related derivatives, helped with institutional investors, and set up MBS/ABS/TBA relationships.

Responsible for marketing Origination Business Process Outsourcing to Banks, Credit Card Companies, and Financial Services Organizations. Created a De Novo Channel to originate and/or purchase nonprime mortgage loans. Responsible for marketing, selling, closing on and signing large Partners to a BPO relationship. Covered all major credit card companies and mortgage servicers.

Founded in 1865, HSBC is one of the world’s largest banking and financial services organizations.The acquired company was Household International (HFC), later renamed HSBC. Served as an officer of the company. Help create the largest subprime lender in the US. Responsible for correspondent subprime residential mortgage production (Household Mortgage Services) in the secondary market directing 12 regional managers throughout the country. Managed a $4MM budget. Developed sales structure and compensation plans; hired, trained, managed sales team. Approved and oversaw 250 wholesale and retail mortgage lenders. Member of Strategic Executive Credit Committee: reviewed portfolio performance, runoff and profitability. Developed product and policy changes, updated seller guide, managed product marketing and seller approval.

Created a conduit for the finance company to buy "C and D" credit loans from lenders. Located, priced and underwrote loans. ITT was sold to Household Finance (HFC).

Managed a loan office (sales, processing, underwriting, closing) for Florida, only subprime loans through mortgage brokers and lenders.

Originated Home Equity Loans, direct to borrowers, through brokers, lenders and HI contractors.

Parent was Trust American Service Corp. (Mortgage Bankers). I Bid and bought FHA and VA loans from lenders Nationwide, delivered AOT to the street.