Banco Popular de Puerto Rico

Mark Paniccia is the Group Vice President of Real Estate Owned at SunTrust Mortgage, the 7th largest bank in the US. Mark began his career in portfolio management as a Real Estate Specialist for Merrill Lynch and later as Director of Real Estate Services for Prudential’s Diversified Services Group. Mark spent most of the last 10 years with GMAC ResCap on the commercial side, managing a $2+ billion portfolio of structured leases and lot options for large homebuilders.Mark has been responsible for building, managing and liquidating several large real estate and loan portfolios in both the US and Canada. He is a graduate of the University of Connecticut with a BA in Political Science and a member of the Mortgage Bankers Association.

David Brown, LCDM, MIRM, CMP, has nearly 20 years of experience in Real Estate Marketing & Finance, Management and Sales. Currently, Mr. Brown is employed as VP / Director of REO at First Horizon National Corporation (Parent company of First Tennessee Bank). As Director of REO, Mr. Brown is responsible for all aspects of REO asset management and disposition including foreclosure bidding, asset booking, GL management, asset pricing, regulatory compliance, valuation, preservation, agent selection and management, disposition, accounting, and reporting. In recent positions for First Horizon and IndyMac, Mr. Brown developed and implemented infrastructure and systems for REO management, Specific Valuation Allowance (SVA) models, asset classification methods, predictive asset valuation tools and mark-to-market methodology, introduced models to evaluate after tax capital impact of bulk REO sales vs. individual / retail REO sales, and sold over 2,000 residential and commercial assets totaling more than $400 million through retail, bulk / wholesale, auction, and sealed bid sales. Mr. Brown, through implementing procedures and processes contemplating regulatory, fiscal, and market forces, sells 85% of new REO inventory in less than 90 days above 90% of market value. Mr. Brown graduated from the University of Arizona with Bachelor of Science in Finance and a minor in Real Estate, earned professional designations from The University of California Irvine in both Construction Management (LCDM) and Residential Marketing, and from The National Association of Home Builders in New Home Marketing (CMP) and is a Member of The Institute of Residential Marketing (MIRM).

Bob Kimble is the Senior Director of Mortgage Servicing Policy, in Single-Family Servicing and Real Estate Owned (REO).���In his position, Kimble is responsible for servicing policies and requirements, and for reviewing Servicer compliance to those practices.� Prior to his current position, he was responsible for various functions in default operations, which included: home retention, modifications, short sales, foreclosure and bankruptcy, designated counsel, damaged and distressed assets.�Kimble has been with Freddie Mac for 18 years.� Before joining Freddie Mac, Kimble served as a Default Manager at ITT Residential in San Diego, CA.�Kimble holds a Bachelor of Science in Business Administration and Accounting from University of Maryland University College.

Jonathan Jaffe is a partner in the San Francisco, California office of K&L Gates, where he has a state and national practice concentrating in matters relating to consumer and commercial finance, financial services, real estate, technology and general corporate law. He has served as in-house General Counsel of a national mortgage banking firm headquartered in California and as in-house Senior Counsel of two savings associations and a savings and loan holding company. Mr. Jaffe's clients include a broad range of consumer and commercial finance lenders, mortgage bankers and brokers, banks, savings associations, real estate professionals and web-based financial service providers. In his mortgage and consumer finance practice, he advises clients in all aspects of the primary and secondary markets, including licensing, transactional, regulatory, technology and loan administration matters. Mr. Jaffe received his Juris Doctor from the University of San Diego and a Bachelor of Arts from the University of Pittsburgh. Mr. Jaffe is a Fellow of The American College of Consumer Financial Services Lawyers. He has been active in numerous finance-related trade organizations, including the Mortgage Bankers Association of America ("MBAA"), the California Mortgage Bankers Association ("CMBA"), the United Trustees Association, the Real Property and Business Sections of the California State Bar and the American Bar Association ("ABA"), and the California Financial Services Association. Mr. Jaffe has served as a member of the California State Bar's Financial Institutions Committee and its Consumer Financial Services Committee. He is an active member of the ABA's Consumer Financial Services Committee, and is a former Chair of its Preemption and Federalism Subcommittee. He has also chaired both the MBAA’s Legal Issues Committee and the CMBA’s Legal Services Committee. Mr. Jaffe is a frequent lecturer at seminars and conferences sponsored by real estate and consumer finance trade associations and has written extensively on the legal aspects of consumer and commercial lending, mortgage banking and e-commerce. He is the original author of the California chapter for the Western Region Volume of Residential Mortgage Lending: State Regulation Manual published by West Group, and an original co-author of the six volume set entitled State Regulation of Second Mortgages and Home Equity Loans published by A.S. Pratt & Sons.

Sternberg is responsible for managing the strategic direction of Excellen REO, overseeing day-to-day operations, creating policies and procedures and establishing the internal growth strategy. Sternberg brings almost 40 years of experience in asset preservation, management and liquidation to Excellen REO. He is the former senior vice president of the REO department for American Home Loan Servicing, Inc. In this position Sternberg managed more than 200 employees and 33,000 assets. His duties included writing policies and procedures, creating a marketing program, hiring, managing the sales teams and representing the organization at industry conferences. During his tenure, Sternberg increased income and profitability by more than 400 percent in eight months. During his career, Sternberg also managed the REO department of one of the nation’s largest home loan lenders, Indymac Bank FSB, as the first vice president of home loan servicing and REO. Additionally, Sternberg’s former positions include national REO manager of Ocwen Federal Bank FSB, president of Virginia Commonwealth Realty and senior vice president of American Family Homes. Sternberg earned a bachelor’s degree from the University of Virginia. He is the former vice president of the Virginia Association of Realtors and past director of the National Association of Realtors. Sternberg is a frequent speaker at mortgage industry conferences and he has received a number of honors, including Realtor of the Year, the Fair Housing award and the Human Rights Award from the Virginia Human Rights Commission.

Kathy Mehringer, licensed since 1977, is a Real Estate Broker. She is a Mediator, certified through the Strauss Institute for Dispute Resolution in association with the Pepperdine University School of Law. Kathy is an Arbitrator for the California Association of Realtors (C.A.R.) and holds the coveted designation of CRB. Formerly an instructor for the Graduate Realtor Institute (G.R.I.) she taught Agency Law and Ethics and is a certified Continuing Education Instructor for both California and Arizona Departments of Real Estate. Mehringer began her management career in 1988 and has managed multiple branch offices for high profile companies including Fred Sands Realtors, Jon Douglas Company and most recently Coldwell Banker Residential Brokerage, Beverly Hills East Office. Formerly Vice President and Regional Manager for Fred Sands Realtors, Kathy developed and supervised the company's training program and was the legal liaison responsible for forms and policy development. Since 1999 she has served the Real Estate industry as a C.A.R. State Director. Prominent positions held include Chair and Vice Chair of the Standard Forms Advisory Committee. Simultaneously she served on the Study Group that developed the C.A.R. Residential Purchase Agreement currently used statewide. Other C.A.R. committees include: Consumer Risk Management, Professional Standards, Legal Affairs Forum, Chair and Vice Chair of the Legal Action Fund Trustee Committee and most recently Kathy was appointed Vice Chair of Federal Issues 2009 and Chairperson in 2010. Kathy Mehringer is the Director of Risk Management for Coldwell Banker Residential Brokerage, Southwest Region. Her responsibilities include risk management education, strategic broker defense training, contract, and agency and buyer representation education for nearly six thousand sales associates affiliated with the Greater Los Angeles, Orange County and San Diego companies. Additionally she provides Short Sale and Risk Management Seminars throughout the Western Region of the United States. Including California, Arizona, Colorado, Hawaii and Utah. Kathy routinely conducts seminars wherein large venues are commonplace, at locations such as, Skirball Center Los Angeles, Biltmore Four Seasons Santa Barbara, San Francisco and Santa Clara Conference Centers among, San Francisco’s Fort Mason-Cowell Theatre, and Del Mar Fairgrounds CA. Association of Realtors venues include: Santa Barbara CA., Southland Regional CA., Ventura County Coastal CA., San Diego CA., Salt Lake City Utah, Northern Wasatch Utah, among others. During her career Kathy has been passionate in the quest to promote education and professionalism throughout the industry. In addition to her contributions to C.A.R. she has served and continues to serve at the local level, including the Southland Regional and Conejo Valley, and San Diego Associations of Realtors. Her leadership and commitment to professionalism is further demonstrated through her former association with the Ventura County Real Estate Fraud Task Force. Kathy currently serves the Southland Regional Association of Realtors as a member of the Professional Standards Committee, founding member of the SRAR Risk Management Committee and is former Chair of the Ethics and Arbitration Committee. For nearly a decade Kathy served as committee Chairperson for the Conejo Valley Association's Ethics Committee while serving on numerous other committees. She is a member of the San Diego Association of Realtors Risk Management committee, where she served as Vice Chairperson in 2008 and Chairperson in 2009. In 2000 she was elected Conejo Valley Association Realtor’s President and in 2003 received the organization's prestigious Realtor of the Year Award.

Pamela Rosenhouse is the Regional Area Manager for Southern California and Southern Nevada. She is responsible for supporting the REO Business Units and Vendor Network by providing training, addressing emergency issues and reviewing reports to identify trends.Pam has been with Freddie Mac since 2002, holding various positions including Sr. Sales Specialist and Sr. Title Specialist. Pam has a total of 10 years of REO experience, 5 years of retail real estate and 10 years of property management experience. Her skills include management of staff, oversight of large rehab projects, training and project implementation.

Richard W. Koch is a Senior Vice President in the newly created Operational risk Assessment Group at Realpoint, a Morningstar Company. His responsibilities include the analysis and ranking of residential mortgage and consumer loan servicing entities. Richard is responsible for evaluating a diverse group of servicers including conforming, nonprime, subordinate lien, reverse mortgage, master servicing and special servicing entities in addition to component servicers and third party industry vendors. Richard is also responsible for the development and publication of residential servicing criteria. As a Director in Standard & Poor’s Servicer Evaluation unit from 1997--]2011, Richard published the first Australian servicer reviews in 1999 and played a key role in the development of servicer rankings in Europe and Japan. In 2002, Richard developed and implemented SEAM (Servicer Evaluation Analytical Methodology), a web--based database for collecting and analyzing a wide variety of servicer performance metrics. SEAM provided a framework for performing periodic surveillance on servicers as well as a basis for recalibrating servicer criteria and identifying industry trends in real time. Richard developed peer and industry benchmarking products for the residential servicing industry as well as writing and publishing an in--depth analysis of residential servicer performance metrics on a semi--annual basis known as the Industry Spotlight Report. Richard is a frequent speaker and moderator on mortgage industry panels discussing current trends and topical issues in the mortgage servicing industry. Richard has authored numerous articles on topics ranging from the role of special servicers and offshore outsourcing to the robo-signing crisis. Prior to joining Standard & Poor’s in 1997, Richard held a management position with the RTC (Resolution Trust Corp.), overseeing the loan administration and asset disposition functions of a savings and loan in receivership. As an officer at Hong Kong and Shanghai Banking Corp. (HSBC), he developed and implemented a successful mortgage and consumer loan servicing program, and as an Assistant Vice President at National Westminster Bank USA (NatWest), he managed the loan administration group. Richard holds a B.A. degree in political science and communications from Queens College, City University of New York, and a J.D. Degree from Thomas Cooley Law School.

Steven M Sakofsky is the Owner and Broker of SunTrust Homes Real Estate as well as Torrey View Home Loans. As a longtime resident, Steven has been helping homeowners in San Diego by providing Real Estate and Financing Services since 1984. Because of his years of experience working with banks, Steven’s real estate company, SunTrust Homes, has an incredible success rate in obtaining bank approvals on Short Sale transactions. The goal of the short sale approval being the minimum negative impact to the Seller along with terms that are favorable enough for sincere and motivated buyers to have sufficient incentive to complete the purchase.Steven believes that the more efficient Real Estate Agents are in handling short sale transactions, the better for all the homeowners in the community. It is because of this belief that he is happy to engage all who look to improve their skill set.

Diana Stauffer is a Senior Vice President and Regional Servicing Director for CA. Her current responsibilities include managing relationships with Public Officials, Housing Groups and the Senior Leaders of Wells Fargo to ensure the company is maximizing its efforts in the area of Home Preservation. Diana’s previous experience includes the development and management of the Field Short Sale Group, an industry leading team that provides personalized and local assistance to Realtors and sellers on short sale transactions. Additionally, Diana has managed Loan Origination, Underwriting and Appraisal Organizations. She has enjoyed a nineteen year career with the bank.Diana has a Bachelors of Science from Indiana University.