Who we are
Executive Chairman, Ethos Lending
CPA, University of Wyoming (inactive)
Ethos Lending LLC / San Francisco, CA
Various Sr Management Positions / April 2014 – Present
Involved in overseeing and building a wholesale and retail mortgage company that originates non-QM and QM loans.
Fenway Summer Ventures / Bethesda, MD
Managing Director / October 2014 – Present
Evaluating and investing in early-stage financial services and fintech companies.
Fenway Summer LLC / Bethesda, MD
Partner / August 2013 – Present
Assisting the Managing Partner with overall leadership of the firm.
FS Mortgage LLC / Washington, DC
Chief Executive Officer / August 2013 – April 2014
Hired to manage and develop a start-up mortgage company that would make QM and non-QM loans.
Springleaf Financial / Evansville, IN
Sr Vice President, Internet Lending / January 2013 – August 2013
Responsible for Internet lending, call center operations, and new business initiatives.
MLDW Consulting / Lafayette, CA
Chief Executive Officer, May 2012 – December 2013
Formed a five person consulting company. Initially hired by Springleaf Financial, an 800 branch consumer personal loan lender to reengineer its branch and internet lending processes. Initial findings indicated a 20-25% increase in funded loans for 2013.
Provident Funding Associates / San Bruno, CA
Chief Financial Officer / 07-2009 to 05-2012 and 11-1997 to 06-2000
Responsible for the treasury, finance and accounting functions of the company. Led successful offering of $600 million of high yield debt, which substantially improved the company’s liquidity position and its ability to grow its $60 billion dollar serving asset.
E-LOAN, Inc. / Pleasanton, CA
President & CEO / October 2002 – January 2009
E-LOAN was a leading retail Internet mortgage, home equity, and auto lender. Joined Board in 2002. Recruited in January of 2004 from Board to replace previous President, promoted to CEO in January 2005. Built an exceptional management team, by successfully recruiting for the positions of Chief Financial Officer, Director of Capital Markets, Chief Information Officer, Chief Marketing Officer, Chief Legal Officer and other key operating positions. Developed a nationally recognized brand by combining online search word purchases, with banner, television, direct mail, email, radio and affiliate marketing strategies. In 2004 and 2005 increased revenues, outsourced specific line functions, lowered borrowing costs, and improved capital markets. After receiving unsolicited offers, led the effort to sell the company. The stock of the company appreciated from $2.25 in 2004 to $4.25 per share at the time of the sale to Banco Popular.
BVMAC / Greenwich, CT
President/CEO( 25% shareholder) / June 2000-December 2002
Bvfmac was a commercial loan servicing company that serviced Franchise and Gas Station Loans, Responsible for all aspects of the company – Sold majority of the company’s Assets to GMAC- Liquidated remainder of company’s assets resulting in a substantial profit to the owners of the company.
Coopers and Lybrand / Detroit MI and San Francisco Ca
Audit Partner, Manager and other Jr. positions / August 1978- November 1997
Started Firms Internal Control and Internal Audit Outsourcing Practice, Audited numerous other mortgage financial and Technology companies- Grew the San Francisco Office financial services practice from 3 clients to over 40 clients. Left to take a CFO job with a large Mortgage Lender – Provident Funding- see above.