Banco Popular de Puerto Rico

Ginn Downing brings more than 17 years of commercial real estate investment expertise in risk assessment, financial analysis, underwriting, fund management and asset management for a variety of debt financing, mezzanine and equity for more than $1 trillion dollars of investment. At Situs, Ginn Downing oversaw the asset management, special servicing and loan re-structuring associated with the Company’s advisory business and highly structured global portfolio. Prior to Situs, Ms. Downing served as Senior Vice President for Capmark Investments, LP (Fund)/Capmark Finance Inc. Her roles included business development, fund management and investment committee member for the $1 billion High Yield CSREP Fund. She provided management within the fund platform totaling more than $6 billion of debt, mezzanine, CDOs and subordinate investments. She also served as an officer in Capmark Investments LP holding positions as REIT Board and Trust Director, Treasurer, Investment Committee Member and provided the lenders license. Previously she provided regional management for Northern California and the PNW for a large bridge and construction portfolio lender (with $50 mm in credit authority) originating over $1 bn annually. She also worked as Project Manager in acquisitions, development and debt and equity within a development company and began her real estate career as a commercial appraiser.

Julie Tanaka, CEO and Co-Founder, Compendium Business Strategies, LLC has 25 years experience in commercial real estate finance as an executive, financial consultant and loan officer. Through her leadership positions with RBC Dain Rauscher, US Bank and PricewaterhouseCoopers, Julie has a broad knowledge of debt and equity placement, CRE underwriting and portfolio management, valuation, litigation support and loan workouts.Julie earned her BS in Finance and Marketing from the University of MN School of Management and her MBA from Columbia University in NY. A “Top 20 Women in Finance”, “Women to Watch” and "Minnesotans on the Move" award recipient, Julie is very active in the business community, MNCREW and is a board member on the Association of Corporate Growth.

Joe Monti is a Partner at Capco in the Banking group. He focuses on performance improvement projects – shared services, staff utilization, activity-based costing, strategic sourcing and procurement – and on strategic services, including organizational design, market/channel expansion strategy, business modeling and change management. Joe has over 25 years of professional consulting experience for a variety of corporations. He recently co-authored the white paper, "The real problem in the housing crisis: Who’s going to blink first, banker or borrower?", an analysis of the real estate market which offers four key imperatives for senior executives to mitigate risk while creating new business value and opportunity. Joe is also heavily involved in the development of Capco’s loss mitigation solutions.Prior to joining Capco, Joe was a Director of a leading global management and technology consulting firm, where he helped to develop and lead the Enterprise Performance Improvement practice. Before that, he was a partner with CAST Management Consultants, where he specialized in organizational effectiveness, and a partner with Grant Thornton, where he led the Western Region Strategic Services practice.

Bliss A. Morris serves as Founder and CEO of FFN and has been responsible for the company's overall operations, strategy, growth and development since its inception in 1989. Working closely with FFN�'s institutional, private sector and government clients, Ms. Morris has sold billions in loans and receivables of all types and complexity to investing entities. She is internationally renowned for her high level of expertise and integrity. Ms. Morris began her career in asset sales as one of three individuals chosen to participate in the development of one of the first FDIC Asset Marketing Departments in the nation. During her unparalleled career of nearly twenty�-five years in loan sale financial advisory services, she has been directly involved in risk management decisions, disposition strategies, portfolio sale project management, loan valuations and numerous marketing campaigns while establishing long standing professional relationships in the secondary market place. Her extensive level of experience and knowledge of the loan sale industry has truly made her a pioneer in establishing secondary markets for whole loans. Bliss�' commentary on loan sale initiatives and the capital markets has been featured in such outlets as CNBC, Bloomberg, GlobeSt. and Reuters. She was recently honored as one of Real Estate Forum�'s Women of Influence for 2010 and regularly speaks at various industry conferences and events.

Cory R. Bainbridge joined Potestivo & Associates in April of 2010. Cory is based in the firm’s Rochester Hills office and serves as Associate Attorney in the Landlord Tenant and Loss Mitigation departments. Prior to joining the firm, Cory’s draw to the concepts and law surrounding real property inspired him to be a solo practitioner at Bainbridge Law, PLLC where the practice areas focused on family law, estate planning and landlord tenant / real property matters. Cory also held a position as the Policy and Communication Coordinator for General Motors’ Company Vehicle Program. Cory earned his Bachelor of Arts from Michigan State University, where he majored in Human Resource Management. He then went on to earn his J.D. from the University of Detroit Mercy where he also was a clinician in the Urban Law Clinic and completed an internship at the 16th Judicial Circuit Court in Macomb County. Cory is a member of the Michigan State Bar, American Bar Association and the Macomb County Bar Association, remaining active in the Young Lawyers Section.He has a J.D. from University of Detroit Mercy and B.A. Michigan State University.

Jeff Naimon is a partner in the Washington, DC office of BuckleySandler LLP. Mr. Naimon has more than 20 years of experience assisting banks and other financial services providers with regulatory, enforcement, transactional, and litigation matters. Mr. Naimon provides regulatory and enforcement counseling on fair lending or unfair, deceptive or abusive acts and practices (UDAAP) issues. He defends banks and other financial services companies facing regulatory enforcement matters before the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC) and the Board of Governors of the Federal Reserve System (FRB), and state banking and mortgage regulators. He also provides regulatory advice with a focus on consumer operations, and assists in drafting legislative or regulatory advocacy papers. Mr. Naimon also performs fair lending and other regulatory due diligence on acquisition targets and outsourcing counterparties to mitigate and/or value possible risk involving loan portfolios or other lending operations. He also assists companies with structuring acquisition and investment transactions in the financial services arena to minimize the time necessary to close the transaction, and assist in obtaining necessary change of control approvals. Mr. Naimon advises on the entire panoply of banking and consumer finance statutes, including the Dodd-Frank Act, National Bank Act, Truth in Lending Act, Real Estate Settlement Procedures Act, Servicemembers Civil Relief Act, Fair Credit Reporting Act, Equal Credit Opportunity Act, Fair Housing Act, Fair Debt Collection Practices Act, the privacy provisions of the Gramm-Leach-Bliley Act, and state laws governing lending, servicing, collections and unfair and deceptive acts and practices. He has assisted many servicers in the interpretation of the Fannie Mae/Freddie Mac Uniform Security Instrument. Mr. Naimon is the current co-chair of the Truth in Lending Subcommittee of the American Bar Association’s Consumer Financial Services Committee and has authored numerous articles on consumer financial services. Mr. Naimon received his J.D. from the University of Virginia School of Law and his B.A. from Yale University (magna cum laude).

Financial services senior executive with over 15 years of experience, specializing in mortgage and consumer lending, retail and commercial banking. Mr. Nagai has a proven track record of delivering results ranging from definition of business and operating strategy to implementation of complex strategic change initiatives. Mr. Nagai is currently a regional leader of Ernst & Young’s Consumer Banking Advisory practice, where his leadership role on Advisory engagements span operations strategy and transformation at top US mortgage companies and consumer banks. Mr. Nagai has retail and commercial banking experience at several Top-10 institutions including merger & acquisition operational consolidation, treasury/cash management operational design, and transformation and mortgage servicing operating strategy. As a senior executive at a leading global bank, Mr. Nagai led the operating strategy and product management team, responsible for loss mitigation products and capabilities within the home lending division.

Randy Bockenstedt is senior vice president of Customer Contact for default servicing at Wells Fargo Home Mortgage (WFHM). In this role, Bockenstedt is responsible for managing Collections and our Single Point of Contact (SPOC) model for the mortgage servicing channel. He also oversees quality assurance, training and leadership development teams. Bockenstedt has more than 12 years of experience in the mortgage banking industry. Bockenstedt’s career with Wells Fargo began in March 2009. Prior to joining WFHM, Bockenstedt managed the real estate collections teams at CitiMortgage, with operations throughout the United States and in the Philippines. Bockenstedt also has professional experience in Auto and Retail Collections, as well as Underwriting.Bockenstedt earned a Bachelor of Science in Business Management from Park University in Parkville, Mo. He served in the U.S. Air Force for seven years, honorable discharge as a Staff Sergeant, stationed in Florida, Germany and Utah.

Craig Hughes is CC Pace’s Managing Director of Financial Services Consulting, and in this capacity he is responsible for business development and strategic planning, client relations and operational management. Craig specializes in advising clients on how to support their strategic business direction through process improvements and the innovative application of technology. He has over two decades of hands-on expertise in strategic planning and technology assessment, including development of short- and long-term technology strategies; reviews of current systems; software selection; and custom software development, implementation and integration.