Banco Popular de Puerto Rico

Ty Miller is the Vice President of Servicer Relationship Management at Freddie Mac, with responsibility for the overall servicing relationship management with Citigroup, PNC Bank, Nationstar Mortgage and all of Freddie�s specialty servicing partners. �In this role, he works collaboratively with his servicing counterparts to identify innovative solutions that optimize borrower outcomes and drive value to Freddie Mac, the mortgage servicer and the American taxpayer.�Before joining Freddie Mac, Miller was the Senior Vice President and Strategic Initiatives Director for First American National Default Title Services (NDTS).�Miller joined First American in 2007 as the Chief Operating Officer of the first lien default outsourcing companies. Prior to this, he held several key executive positions during his nine-year tenure with GMAC Mortgage. Before his career at GMAC, Miller maintained senior leadership roles with Aurora Loan Services, The CIT Group and CitiMortgage.Miller holds a BS in Psychology and Management from Missouri State University. He is active in numerous charitable organizations including Habitat for Humanity, Big Brothers/Big Sisters and the Diversity Council.

Patrice Alexander Ficklin's practice includes advising businesses, schools, non-profit organizations, individuals and policymakers on civil rights issues arising in lending, employment, diversity programs, and housing. She also conducts internal investigations and provides general business advice and services. Ms. Ficklin is an experienced mediator and arbitrator.Prior to joining Relman, Dane & Colfax, Ms. Ficklin served in a wide variety of legal and non-legal roles at Fannie Mae. During her tenure at Fannie Mae, she directed the company's employee grievance department; provided fair lending, fair housing and other consumer law advice regarding lending products, pricing and servicing; conducted internal investigations; drafted strategic alliance agreements; designed and implemented a mandatory non-binding arbitration program for employees; directed the corporate ethics program; and revamped officer and employee performance review standards. Prior to joining Fannie Mae, Ms. Ficklin specialized in complex corporate transactions, employment law, financial institutions regulation, and civil litigation during her tenure at the law firm of Wilmer, Cutler & Pickering. In 2009, Ms. Ficklin was appointed to the Maryland Higher Education Commission, which is responsible for establishing statewide policies for Maryland public and private colleges, universities, and career schools. Ms. Ficklin is a member of the boards of directors for the following organizations: Center for Dispute Settlement; Reid Temple Federal Credit Union and Women in Housing & Finance Foundation.

Lew Sichelman is an independent journalist who has been covering the housing and mortgage markets for more than 40 years.

Craig Lackey currently serves a Director Legal at Hudson Advisors, the asset management company for Lone Star Funds, a family of private equity funds. Mr. Lackey serves as managing counsel to Caliber Funding, Lone Star’s mortgage origination company and Vericrest Financial, its captive mortgage servicer. In addition Mr. Lackey provides legal support for the Lone Star’s portfolio of residential whole loan mortgage investments. Prior to joining Hudson Advisors, Mr. Lackey served as Executive Vice President/Deputy General Counsel at Countrywide Home Loans where he managed legal support for Countrywide’s Loan Servicing Division and related business. Before joining Countrywide, Mr. Lackey held various positions of increasing seniority at Citicorp, Bank of America and Bank One Corporation. Mr. Lackey holds a BA cum laude from St. Louis University and a JD from Washington University in St. Louis. He has been admitted to practice law in Missouri, Illinois, Texas and California.

As Chief Economist and Strategist, Dr. David Berson is responsible for analyses and forecasts of the economy, housing, and mortgage markets; domestic/global market research and planning; support of government relations and public policy; and strategic environmental planning. He also acts as a PMI spokesperson on topics related to global economic housing, as well as mortgage market conditions, prospects and policy. In addition, Dr. Berson manages PMI's Portfolio Management, Analytics & Pricing Group, which is responsible for all credit analytic models and projections for the company. Berson previously was Vice President and Chief Economist at Fannie Mae, where he advised the company on national and regional economic, housing and mortgage policy and conditions, including forecasts and analyses of the economy, interest rates, and housing and mortgage finance markets. He has also been Chief Financial Economist at Wharton Econometrics, visiting scholar at the Federal Reserve Bank of Kansas City, and assistant professor of economics at Claremont McKenna College and Claremont Graduate School. His government experience has included staff economist on the Council of Economic Advisors and economic analyst at the Treasury Department and the Office of Special Trade Representative. Dr. Berson is a past President of the National Association for Business Economics and is a frequent speaker to media and industry groups on the economic outlook, housing, and mortgage markets. Dr. David W. Berson joined PMI as Chief Economist and Strategist on October 30, 2007.He has a doctorate in economics and a master's degree in public policy from the University of Michigan, and a bachelor's degree in history and economics from Williams College.

Steven Horne brings a wealth of mortgage servicing experience to clients. He is a career-long expert in creating and executing strategies to mitigate losses in real estate portfolios of all types, with a specialized concentration in managing the most challenging assets. Horne has an impressive track record in this unique and highly specialized area, having pioneered a number of the concepts and strategies used in the Wingspan methodology for converting defaulted loans into re-performing loans, saving borrowers and lenders alike from the lengthy and painful process of foreclosure.Previously, Horne was director of servicing risk strategy with Fannie Mae where he restructured the National Servicing Organization and redesigned servicer performance reporting and legal services management. Prior to Fannie, he spent nine years as a partner with Sherman Financial Group and was executive vice president of Sherman�s servicing affiliate, Resurgent Capital Services. During his nine years at Sherman he built three of the firm�s most successful business lines, including a unit that purchased and resolved portfolios of delinquent mortgage loans. Horne founded and was former president of MSV, former director of default servicing for Ocwen Financial, RTC supervising attorney for numerous asset management contractors, and an attorney with the Washington, DC law firm of Frank, Bernstein, Conaway & Goldman. Horne holds a JD from George Washington University and bachelor degrees in English and Economics from Emory University. He is admitted to the bar in Virginia, Maryland, and the District of Columbia.

Marion McDougall is Senior Vice President of MetLife Bank, N.A. MetLife Home Loans is a division of MetLife Bank, N.A. Marion oversees the company’s retail banking operations, forward mortgage and reverse mortgage servicing and delivery operations, as well as several operating joint ventures. She assumed her position in September of 2008. Prior to joining MetLife Bank, Marion was Executive Vice President for First Horizon National Corporation and Senior Executive Vice President for First Horizon Home Loan Corporation. Marion oversaw the company’s retail banking call centers, ATMs, and on-line banking, as well as mortgage post closing and all aspects of loan servicing and business technology. Prior to First Horizon Marion was Managing Director of Credit and Real Estate at EDS in Plano, Texas. She has also held senior positions with Norwest Bank and Independence One Mortgage Corporation. She began her career with Standard Federal Savings Bank in Frederick, Maryland, in 1983.

Peter Mahoney is Managing Director, at Green Tree Servicing, LLC, a specialty servicer with more than 30 years experience managing credit sensitive mortgage assets for lenders, investors and insurers. Mahoney is responsible for building business relationships with national lenders and mortgage investors. Green Tree provides lenders and investors a range of capabilities, including sub-servicing high-risk loan portfolios; purchasing mortgage servicing rights and whole-loan portfolios; and providing recovery services on charged-off accounts. Green Tree has a proven track record of reducing delinquencies on problem assets for lenders and helping more borrowers keep their homes. Prior to joining Green Tree, Mahoney had a 15-year career at Freddie Mac. He was Vice President—National Lending from 2007 through 2009, responsible for managing relationships with the company’s largest mortgage lenders. He also served as Vice President—Global Investor Relations, responsible for managing relationships with shareholders and holders of debt securities worldwide, and as Vice President and Deputy General Counsel for Legislative & Regulatory Affairs, managing legal and policy issues relating to Freddie Mac’s congressional charter. As legal counsel, he negotiated critical legal and housing policy matters with the company’s regulators, the Department of the Treasury and the S.E.C., and provided liaison with Members of Congress and their staffs. Mahoney also managed affordable housing, fair lending and predatory lending matters for the company, and published leading law review articles on fair lending doctrine in The Emory Law Journal and on CRA regulations in the ABA Journal of Affordable Housing & Community Development Law. Mahoney is a graduate of the University of Virginia (B.A. with High Distinction, 1981) and its School of Law (1985), and is a member of the New York and Virginia State Bars. He serves as a member of the Board of Directors of Catholic Charities of the Archdiocese of Washington, D.C.

Ivy Zelman is a veteran equity research analyst and is the founder and CEO of Zelman & Associates. Zelman & Associates is a first rate research boutique that produces extensive macro and company-specific research, including coverage of twenty-three individual stocks. Zelman clients receive timely, unique and data intensive research, including propriety monthly surveys of executive-level leaders throughout the homebuilding, home improvement, non-residential construction, land development, banking and mortgage industries.