Banco Popular de Puerto Rico

Joel S. Pate is a 28-year veteran of the real estate, mortgage and credit industries and has founded many successful ventures. He lives in Mobile, Ala., with his wife Mitzi of 28 years, two daughters and their family. Joel and Mitzi are proud grandparents. You can reach him at www.joelpate.com or www.scoreinc.com.

Lou DiPalma is a managing partner of Garnet Capital Advisors, LLC, a New-York-based financial-services firm providing in portfolio-sale and capital-raising advisory services in the distressed debt market. Lou manages Garnet�s client-origination and portfolio-sales efforts. He has been involved in over 500 such transactions; his asset brokerage experience includes credit cards, installment loans, mortgage and commercial loan products. In 1987, Lou helped build Cohane Rafferty�s loan portfolio sales and advisory business, where he worked for 15 years until shortly after the firm�s acquisition by Lehman Brothers. Lou was then a founding member of the Keefe, Bruyette & Woods loan sales group (2002-04) prior to starting Garnet Capital. Lou is a leading figure in the marketplace for all types of whole loan asset trades. He has written for and been widely quoted in numerous industry publications including American Banker, The Financial Times (London), and Collections and Credit Risk. He is a frequent speaker at industry-sponsored events and has chaired Source Media�s National Credit Risk Conference. He has a B.S. from St. Lawrence University and a Masters in Banking from the American Institute of Banking.

Neil Spagna is a founding member of Shelving Rock and is responsible for overall whole loan and REO portfolio acquisition and management activities. Neil has specialized in the due diligence, analysis, pricing, and management of performing, sub-performing, and non-performing loans and REO properties since 1993. Prior to Shelving Rock,, he was a Director in the Mortgage Finance Group at Nomura Credit and Capital, Inc. and was a ten year member of the executive management team at Clayton Holdings, Inc. where he ran the Residential and Consumer Due Diligence businesses. Neil has also held management positions at both Kidder Peabody and Beneficial Mortgage. He is a graduate of the University of South Florida and a former officer in the Air Force Reserve.

Mike currently manages Nationstar’s “partnerplus” origination division which is uniquely integrated with internal and external servicing partners to maximize liquidation and loss-mitigation strategies for specific loans pools. His division is an industry leader in developing customized refinance campaigns and maximizing net execution for asset owners. Since 2007, Mike has facilitated strategic alliances with over thirty banks, hedge funds, and other mortgage servicing companies as related to whole loan liquidation and related activities. Refinance analytics are an essential component in determining an approach to npls as a buyer or seller. Mike’s team is experienced in providing assistance for transactional refinance analytics that are strongly integrated with a servicer’s loss-mitigation waterfall. Nationstar is the top national FHA Short-Refi and Hope for Homeowners lender. Mike graduated from the University of South Florida.

Bart Vincent is the Senior Vice President of Short Sales at Wells Fargo Home Mortgage, located in San Antonio, Texas. In his role, Vincent is directly responsible for managing all Short Sale and Deed-in-Lieu activities for the servicing channel. Vincent, a 24-year veteran of the mortgage industry, joined Wells Fargo in 2010. Prior to joining Wells Fargo, he was the Chief Financial Officer at OneWest Bank Mortgage Servicing and previously held senior management positions with Washington Mutual, Home Side Lending and Banc Plus Mortgage. Vincent has managed Finance, Accounting, Audit, Tax, Mergers & Acquisitions, Investor Relations, Management Reporting, Default Management, Investor Accounting, and Servicing Operations. Vincent is a licensed CPA and past president of the National Investor Relations Institute. He also is active in the community; having volunteered with the United Way, Big Brothers/ Big Sisters, and as both a youth soccer and basketball coach.Vincent is a graduate of Howard Payne University where he received a B.B.A. in Accounting.

Jason has been in the mortgage banking industry for the last 12 years. Jason is responsible for leading Freddie Mac’s efforts in short sales, deeds in lieu of foreclosure, foreclosure sale bidding and mediation programs. Prior to joining Freddie Mac, Jason worked for Saxon Mortgage in Ft Worth, TX where he was responsible for managing teams in short sales, home retention, mediation and litigation. Jason also worked at The Associates and CitiMortgage in Dallas, TX and was responsible for various roles in loss mitigation. He is a graduate of Texas A&M University.