Banco Popular de Puerto Rico

With intelligence, dedication and passion, Justin Barr has made a name for himself as a tireless advocate for community banks in distress. Justin’s commitment to helping community banks stay in control of their own destiny can be traced to his renowned family history of defending private businesses against government intervention and outside threats since the mid 1940s. In addition to nearly a decade of experience in middle market C&I and commercial real estate lending, Justin has spent the last ten years exclusively focused on loan workout and community bank turnaround projects. His background, credibility and extensive loan workout and bank turnaround knowledge and experience make him uniquely qualified to help community banks facing asset quality, capital and regulatory issues. Justin began his commercial lending career with LaSalle Bank and Bank of America. His C&I and commercial real estate loan workout experience includes senior positions with money center banks including Harris Bank and Credit Agricole. Justin also managed numerous "consent order" community bank turnaround projects over the past ten years, with an extraordinary track record of successfully challenging bank regulators, resolving complex non-performing asset issues and recapitalizing banks. Recognized as an expert on community banking, he is often quoted in the financial media, and his analytical abilities are well respected by banking professionals and bank regulatory authorities alike.

James B. Lockhart III is the Vice Chairman of WL Ross & Co. where he focuses on financial services and the mortgage recovery fund. Prior to joining in September 2009 he was the Director of the Federal Housing Finance Agency, regulator of Fannie Mae, Freddie Mac and the twelve Federal Home Loan Banks, and its predecessor agency, the Office of Federal Housing Enterprise Oversight, since May 2006. He served as the Chairman of Federal Housing Finance Oversight Board and a member of the Financial Stability Oversight Board with the Chairman of the Federal Reserve Board, the Secretaries of Treasury and HUD, and the Chairman of SEC. For the prior 4 years Mr. Lockhart was the Deputy Commissioner and Chief Operating Officer of Social Security, Secretary to Board of Trustees and a member of the President Bush’s Management Council. Mr. Lockhart also served in the previous Bush Administration as Executive Director of the Pension Benefit Guaranty Corporation from 1989 until 1993. Mr. Lockhart co-founded and served as managing director of NetRisk, a risk management software and consulting firm serving major financial institutions, banks, insurance companies and investment management firms worldwide. He held senior positions at National Reinsurance, Smith Barney, Alexander & Alexander and Gulf Oil, in Europe and the U.S. He has served as a member of the American Benefits Council’s Board of Directors and of the Advisory Board to the Task Force for the Critical Review of the US Actuarial Profession. He is a director of Virgin Money and the American Securitization Forum (ASF).Mr. Lockhart graduated from Yale University with a BA and received an MBA from Harvard Business School. He served as a Lieutenant (j.g.) in the U.S. Navy aboard a nucle

Brett is Vice President of Advisory and Valuation Group at CoreLogic. He manages the Market Solutions Group for First American primarily responsible for client advisory and consulting as well as operational and sales support of a variety of First American data and analytic solutions. Mr. Benson has worked extensively in the development of WillCap, CoreLogic’s proprietary borrower behavioral modeling architecture. Prior to joining CoreLogic, Brett was a Managing Director at Bear Stearns, Inc. in New York on the Mortgage Trading Desk. While employed at Bear Stearns, Brett was responsible for trading functions including pricing Scratch-and-Dent whole loan mortgages, hedging risk, risk reporting, and valuing $22B in servicing portfolios. A graduate of Louisiana State University with Business and Mathematics degrees, he currently resides in Dallas, TX with his wife and three children.

As Director of Capital Markets for investment bank Intersection Capital, Oren Klaff is responsible for managing the firm's capital raising platform which includes both direct capital raising and deal syndication . Oren oversees business development and product development and is responsible for the firm's flagship product, Velocity. He also sits on the investment committee at Geyser Holdings where he has been a principal since 2006. During its growth he was responsible for, marketing, product development, and business development. In the previous five years in the securities markets, Oren has supervised and assisted in the placement of over $400 million of investor capital. Previously, he was a venture analyst and partner at several mid-sized investment funds. He attended the University of Delaware for Mechanical Engineering, and lives in Los Angeles, CA.He's also the author of Pitch Anything: An Innovative Method for Presenting, Persuading, and Winning the Deal.

Mr. Jemmett is a founding Principal of Breakwater Equity Partners. In addition to his CEO responsibilities, Phil oversees and actively participates in the analysis and evaluation of case information submitted by a prospective client, in order to offer them the best workout scenario available. Phil is a hands-on manager, working individually with clients to ensure a successful outcome for every workout case. Phil has been in the real estate & finance industry for many years, initially in the private money lending industry focusing on commercial projects. Phil then founded LJL Funding, a residential private lending firm, together with other principles from the commercial lending business. It was here that he developed a successful platform for residential private money lending in the midst of the most challenging real estate crisis in history.Phil foresees the next few years as difficult for commercial real estate owners and developers. He strategically founded Breakwater Equity Partners to provide property owners with a comprehensive solution to their real estate challenges. Phil grew up in Australia where he studied engineering before moving to London where he lived for several years. He moved to the U.S. to study economics at the University of Wisonsin, Madison and has lived in the states ever since.

Robert Partlow joined SunTrust in October 2005 as Senior Vice President. He has the responsibility for the management of the Consumer Banking Consumer Loan Portfolios, the MSR Portfolio, and the STM Securitization Program. Prior to SunTrust Mortgage, Robert was SVP & CFO of Fieldstone Investment Corporation with responsibility for Accounting, Investor Relations, Portfolio Management, Treasury, and Capital Markets. Prior to Fieldstone, Robert was a Director, EVP & CFO of Saxon Capital Inc. with responsibility for Accounting, Investor Relations, Portfolio Management, Treasury, and Capital Markets.Other work experiences include KPMG as a Tax Consultant and the Federal Reserve Bank of Richmond as a Bank Examiner. Robert has a Masters of Science in Accountancy from the University of Virginia and a Bachelor of Science in Business Administration from the University of Richmond.

Mike Young, a longtime local REALTOR® with Chase International in Incline Village, is president of the Nevada Association of REALTORS® (NVAR) for 2011.Young, who served as NVAR’s president-elect during 2010, has worked in the real estate profession for 30 years. At his installation in the fall of 2010, he announced that his theme for 2011 is “Nevada REALTORS® - One Voice,” saying he wants to “bring NVAR members together to build a more unified profession through integrity and vision.” Young is an active member of the Northern Nevada community and his profession. He has volunteered to serve on numerous NVAR boards and committees. A native of Colorado Springs, Colo., Young is a graduate of San Jose State, where he earned degrees in biology and special education. Before becoming a REALTOR®, Young taught special education courses and volunteered to work with young people with disabilities through Special Olympics and similar organizations. A 25-year resident of Nevada, he lives in scenic Incline Village, where he takes full advantage of the natural wonders of nearby Lake Tahoe and serves as president of the Incline Community Business Association.

Mr. Esposito joined ServiceLink in 2007, and is responsible for relationship management and portfolio performance for several key clients. Mr. Esposito brings 14 years of experience in Loss Mitigation and REO Asset Disposition Services to ServiceLink. Mr. Esposito holds a law degree and began his career with Ocwen Financial in the late 1990's. During his tenure at Ocwen Financial, Mr. Esposito served in the areas of Foreclosure and REO operations before he was promoted to Compliance Supervisor over servicing. Prior to joining ServiceLink, Mr. Esposito built and managed the REO department for NovaStar Mortgage in Kansas City. While at NovaStar Mortgage, Mr. Esposito also managed the Escrow and Loss Mitigation departments and received a First In Class performance ranking for mitigated loss by MGIC.