Banco Popular de Puerto Rico

Cathy Oniffrey has built her career and reputation as a Senior Executive in the Financial Lending and Distressed Debt space. �Ms. Oniffrey has substantial lending experience in commercial and residential real estate, distressed mortgage/REO finance, private equity and large corporate financial structures. �She has a high performing track record and has consistently demonstrated the ability to source viable financing transactions, market effectively, originate and close sound, profitable business. � In addition, Ms. Oniffrey has managed highly experienced originators and underwriters. �She has created her market in the industry by becoming an accomplished Executive Leader through her deep understanding of end-to-end process including: product development and implementation, origination, credit/underwriting, documentation/closing, work-outs, portfolio monitoring and servicing. Known to be a natural marketer with strong credit skills with an ability to deliver results, negotiate on a win/win basis and collaborate diplomatically.�

Shashank CM is the associate director of servicing solutions for ISGN.

Randy Loghry is founder and principal of Mortgage Technology Advisors, a consulting firm specializing in origination technology strategy, selection, implementation and optimization, as well as origination process automation and optimization.

Jacqueline �Jackie� Hoyt is the CEO of Hillsboro Title Co., a full service residential, commercial, and construction disbursement title insurance agent serving areas across Missouri. For more, please visit www.hillsborotitle.com or call 636-222-8623.

Charlyne H. McWilliams is an account supervisor at the William Mills Agency. She has nearly 20 years of expertise covering the mortgage industry. Before joining the agency, she was the editor of Inside Mortgage Technology.

Scott Samlin is a New York partner in the firm’s Financial Services & Products Group.� He is the former executive director and compliance counsel for the residential mortgage and lending businesses at Morgan Stanley, where he helped oversee the operations of Morgan’s whole loan trading desk and its affiliated mortgage loan servicer, Saxon.� Prior to this, he was the executive vice president, general counsel and chief compliance officer for EMC Mortgage, Bear Stearns’ primary mortgage loan conduit and servicer.Earlier in his career, Mr. Samlin held several senior in-house positions at large corporations, including vice president and assistant general counsel at Superior Bank FSB; vice president, senior staff attorney and compliance officer at Carteret Federal Savings Bank; and assistant counsel at the New York State Banking Department.Mr. Samlin earned his J.D. from New York Law School and a B.A. from Rutgers University.

Kelli Himebaugh has been in the homebuilding and mortgage industries for over 20 years, working in a broad range of lending management roles and loan origination. An expert in mortgage operations, client service and training, Kelli works closely with lenders interested in loan servicing to understand their software needs and available options, from the RFP stage all the way through the implementation process. She is a popular speaker at industry events and a frequent author in industry publications. Mortgage Builder Software of Southfield, Michigan is the award-winning provider of the Architect LOS and the Colonnade loan servicing system, a favorite with servicers of all sizes for over 20 years and formerly known as G/Serv.

Michael Greenbaum is vice president of operations at Safeguard Properties. Under Mike's leadership, all operational departments of Safeguard have reviewed, updated and enhanced their business processes to maximize efficiency and improve quality control.Mike built his business career in supply chain management, operations, finance and marketing. He has held senior management and executive positions with Erico, Accel, Inc. and McMaster-Carr.Before entering the business world, Mike served in the U.S. Army, Ordinance Branch, and specialized in supply chain management. He is a distinguished graduate of West Point (U.S. Military Academy) and majored in quantitative economics.

Edward Kramer is the Executive Vice President, Regulatory Affairs for Wolters Kluwer Financial Services. He is a veteran of the financial services industry with four decades of experience, which includes a role as the former deputy superintendent of banks, New York State Banking Department�s (NYSBD�s) Consumer Services Division. Ed has been featured at many banking industry conferences, including those hosted by the American Bankers Association, Independent Community Bankers of America, Mortgage Bankers Association, National Association of Federal Credit Unions, National Real Estate Development Center, New Jersey Bankers Association and New York Bankers Association. He has testified before various legislative and regulatory panels, and is a contributing author and expert commentator to many of the top bank industry trade publications.