Banco Popular de Puerto Rico

Jon Winick is President of Clark Street Capital. Clark Street Capital is a full-service bank advisory, disposition, and loan workout firm specializing in commercial real estate and C&I loans. Prior to founding Clark Street Capital, Mr. Winick was National Marketing Director for Zions Bank, a $53 billion bank headquartered in Salt Lake City. Working for the Zions National Real Estate division, a wholesale acquirer of commercial real estate mortgages primarily from financial institutions, Mr. Winick was responsible for acquisitions in the Midwest and national marketing efforts. In 2007, Zions National Real Estate funded over 1,400 transactions totaling $1.3 billion in new originations. Prior to Zions, Mr. Winick served as Vice President at GE Small Business Finance from 2000-2003, in which he created a syndication platform to sell whole real estate loans originated by a nationwide lending team to leading institutional buyers. In 2004, Jon founded Orange House Properties, a leading manager and owner of student housing in Knoxville, TN. After acquiring a distressed student housing portfolio, Mr. Winick stabilized the portfolio, which now encompasses 11 properties located within walking distance to the University of Tennessee. Mr. Winick is a nationally recognized expert and leader in the SBA 504 and 7(a) lending programs and economic development, and currently serves as Chairman of SomerCor 504, the leading Chicago-based SBA 504 loan originator. Mr. Winick received his MBA from Washington University in St. Louis, and his bachelor’s degree in history from the University of Michigan.

Rex Bradley joined Regions as Head of Commercial Real Estate in October 2008. He became Head of Problem Asset Management in February 2011. In his current role he is responsible for all small business, commercial banking and commercial real estate problem asset workout and disposition activities at Regions Bank.Bradley joined Regions with more than 31 years experience in the financial services industry. Most recently, he served as Managing Director and West Division Executive for Commercial Real Estate Banking at Bank of America where he was responsible for private commercial real estate clients and prospects in western U.S. and western Canada. During his extensive career with Bank of America, he also served as Commercial Real Estate executive in Florida, the National Home Builder division executive, and Mid-Atlantic Corporate and Middle Market Banking executive.Bradley holds a bachelor’s degree in economics and a master’s degree in business administration from the University of Virginia in Charlottesville.

Rob serves as First Vice President, Industry Relations for LPS Field Services and LPS Asset Management Solutions. Rob fosters relationships with city and state officials and investors to create open lines of communication with respect to loan level issues, and emerging legislation and industry trends as the FVP of Industry Relations. Such relations assist LPS Field Services and LPS Asset Management in their continuous effort to identify, and proactively resolve potential issues that may impact the companies, their clients and suppliers, and the default servicing industry as a whole. Prior to joining LPS in 2004, Rob worked as an Associate in the labor and employment department of a Cleveland law firm, and served as "Of Counsel" to a Cleveland law firm specializing in business, real estate and collections law.Rob earned his B.S. degree from Ohio State University and a law degree (J.D.) from Cleveland Marshall College of Law.

On January 5, 2011, Congressman Scott Garrett was sworn in to the United States House of Representatives, representing New Jersey’s 5th Congressional District. Since his election to Congress in 2002, Scott has burnished himself with a reputation as a leading advocate of tax relief and pro-growth economic policies, earning him awards and accolades from a number of national taxpayer and small business groups.As the Vice Chairman of the House Budget Committee, Scott is on the frontline of House Republican efforts to rein in runaway government spending and shrink our country’s ballooning national debt. In addition to his senior position on the Budget Committee, Scott is also the Chairman of the Budget and Spending Task Force for the Republican Study Committee (RSC), which advances conservative solutions to address our country’s fiscal challenges. A member of the House Financial Services Committee since his election to Congress, Scott has been at the forefront of public policy deliberations dealing with issues related to the financial services industry, developing considerable expertise in areas ranging from securities and finance to insurance and regulatory oversight. At the beginning of the 112th Congress, Scott was selected to serve as the Chairman of the Financial Services Subcommittee on Capital Market and Government-Sponsored Enterprises. In this role, Scott presides over the subcommittee with jurisdiction over the Securities and Exchange Commission (SEC) and government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac. In addition, the subcommittee also handles all matters related to capital markets activities such as business capital formation and venture capital, as well as derivative instruments.As founder and Chairman of the Congressional Constitution Caucus, Scott is highly respected among his House colleagues as an authority on constitutional issues. Founded in 2005, the Constitution Caucus provides an effective forum for education on constitutional principles and discussion on the appropriate limitations of congressional action. Born Englewood, Scott has spent much of his life living in North Jersey, which has instilled in him a great appreciation for the outdoors. He is a leading proponent of preserving open space and protecting such natural treasures as the Highlands, the Musconetcong River and the Wallkill River National Wildlife Refuge.Prior to his election to Congress, Scott served in the New Jersey General Assembly from 1990 to 2002, as the senior Assemblyman for the 24th Legislative District, Assistant Majority Leader, and Chairman of the Banking and Insurance Committee. During his tenure, he also served on the Education, Transportation, Agriculture & Natural Resources Committees, as well as the Joint Committee on Public Schools.Scott earned his Bachelor of Arts degree from Montclair State University and his Juris Doctor from Rutgers School of Law – Camden.

Mr. Botto (Greg) is SVP of U.S. Mortgage Operations for Quatrro with over 24 years’ experience in financial services & technology management. Greg has successfully helped banks and financial institutions improve their overall Mortgage Process Management, improve their data flow between business units, and plan for the future by assisting with Business Continuity Planning and Operation Resource Management. Greg started his Mortgage Banking experience with Wells Fargo Bank and then moved over to Franklin Templeton Funds managing their data operations worldwide and assisting in the highly publicized merger of Templeton with Franklin Funds. He has also held positions with Charles Schwab along with his own financial management firm working with mortgage lenders for the past decade helping them develop streamlined processes to manage the enormous volume demands at that time. Greg has a BA from UC Berkeley and an MBA in International Business from St. Mary’s College.

David Robinson is regional vice president and director of Alternative Sales Channels for Gateway Mortgage Group LLC. For more information visit www.gatewayloan.com.