Banco Popular de Puerto Rico

Melinda Crump works in media relations at the financial information company Sageworks.

Jason's bio information here.

Devavrat Shah, professor in MIT’s Department of Electrical Engineering and Computer Science, is co-director of MIT Professional Education’s Data Science: Data to Insights course, director of MIT’s Statistics & Data Science Center (SDSC), and a core faculty member at the MIT Institute for Data, Systems, and Society (IDSS). In addition, he is a member of MIT’s Laboratory for Information and Decision Systems (LIDS) and the Operations Research Center (ORC).

Peggy J. Wheaton, CDPE, PCS,CSSA, NAR/CRS SS Certified, RDCPro, HAFA Cert. PSC, is the co-owner of Wheaton & Associates Real Estate Services, Inc. with her husband Bob Wheaton. They founded Wheaton & Associates Real Estate Services, Inc. in 1993. Prior to this, Peggy has been an active real estate agent since 1983 in Contra Costa County, just 50 miles east of San Francisco. Peggy's real estate career started with Veteran Real Estate, helping Veterans use their benefits to buy their 1st home. At this time VA loans were not frequently used and the 14% interest rates made sellers cooperative to pay closing costs and concessions in order to sell their home.By 1989, the Wheaton Team was manager of ERA Property Brokers and managed 17 real estate agents. The next move was to the first ReMax in northern California in 1993. Peggy recognized the need to break away from a franchise that limited her career and Wheaton & Associates, Inc. was born.The first short sale was in 1991 when the Wheaton's met with a local bank to discuss an overpriced listing that they were representing. "When we walked out of that bank with a $20,000. reduction off the principal and they agreed to pay my commission, a light bulb went off." The rest as they say is history.There began the next twenty years of short sales, loan modifications and loss mitigation consulting. Peggy has actively educated other brokers and agents in her community on this subject with seminars and training sessions, as a guest panel speaker for Tom Ferry Seminars, Women's Council of Realtors and is a recognized leader in this field from other brokers while maintaining an 85-88% close rate on all that she listed. She has been a home retention specialist for Titanium Solution since 2005. Peggy has consulted borrowers in default and offered options to avoid foreclosure and has been successful in closing over 1,100 short sales to date. She is a founding member of the Cal-Short Sale Brokers (CSSB) in the San Francisco Bay Area which meets monthly to discuss short sale strategy and brainstorm.Peggy is active in her Church and has represented them in numerous real estate transactions negotiating commercial leases, land sale and acquisition, site feasibility and analysis and campus design.She is supported by the latest technology, a secured short sale platform with unlimited capacity and a dynamic and experienced crossed trained team.While Peggy's focus has always been "outside of the box" forward thinking, her philosophy has always been the same. To continuously learn from all life experiences and strive for utmost integrity in even the most difficult situations and provide professional and personal service with responsive & knowledgeable representation.

Mark Paniccia is the Group Vice President of Real Estate Owned at SunTrust Mortgage, the 7th largest bank in the US. Mark began his career in portfolio management as a Real Estate Specialist for Merrill Lynch and later as Director of Real Estate Services for Prudential’s Diversified Services Group. Mark spent most of the last 10 years with GMAC ResCap on the commercial side, managing a $2+ billion portfolio of structured leases and lot options for large homebuilders.Mark has been responsible for building, managing and liquidating several large real estate and loan portfolios in both the US and Canada. He is a graduate of the University of Connecticut with a BA in Political Science and a member of the Mortgage Bankers Association.

David Brown, LCDM, MIRM, CMP, has nearly 20 years of experience in Real Estate Marketing & Finance, Management and Sales. Currently, Mr. Brown is employed as VP / Director of REO at First Horizon National Corporation (Parent company of First Tennessee Bank). As Director of REO, Mr. Brown is responsible for all aspects of REO asset management and disposition including foreclosure bidding, asset booking, GL management, asset pricing, regulatory compliance, valuation, preservation, agent selection and management, disposition, accounting, and reporting. In recent positions for First Horizon and IndyMac, Mr. Brown developed and implemented infrastructure and systems for REO management, Specific Valuation Allowance (SVA) models, asset classification methods, predictive asset valuation tools and mark-to-market methodology, introduced models to evaluate after tax capital impact of bulk REO sales vs. individual / retail REO sales, and sold over 2,000 residential and commercial assets totaling more than $400 million through retail, bulk / wholesale, auction, and sealed bid sales. Mr. Brown, through implementing procedures and processes contemplating regulatory, fiscal, and market forces, sells 85% of new REO inventory in less than 90 days above 90% of market value. Mr. Brown graduated from the University of Arizona with Bachelor of Science in Finance and a minor in Real Estate, earned professional designations from The University of California Irvine in both Construction Management (LCDM) and Residential Marketing, and from The National Association of Home Builders in New Home Marketing (CMP) and is a Member of The Institute of Residential Marketing (MIRM).

Bob Kimble is the Senior Director of Mortgage Servicing Policy, in Single-Family Servicing and Real Estate Owned (REO).���In his position, Kimble is responsible for servicing policies and requirements, and for reviewing Servicer compliance to those practices.� Prior to his current position, he was responsible for various functions in default operations, which included: home retention, modifications, short sales, foreclosure and bankruptcy, designated counsel, damaged and distressed assets.�Kimble has been with Freddie Mac for 18 years.� Before joining Freddie Mac, Kimble served as a Default Manager at ITT Residential in San Diego, CA.�Kimble holds a Bachelor of Science in Business Administration and Accounting from University of Maryland University College.

Jonathan Jaffe is a partner in the San Francisco, California office of K&L Gates, where he has a state and national practice concentrating in matters relating to consumer and commercial finance, financial services, real estate, technology and general corporate law. He has served as in-house General Counsel of a national mortgage banking firm headquartered in California and as in-house Senior Counsel of two savings associations and a savings and loan holding company. Mr. Jaffe's clients include a broad range of consumer and commercial finance lenders, mortgage bankers and brokers, banks, savings associations, real estate professionals and web-based financial service providers. In his mortgage and consumer finance practice, he advises clients in all aspects of the primary and secondary markets, including licensing, transactional, regulatory, technology and loan administration matters. Mr. Jaffe received his Juris Doctor from the University of San Diego and a Bachelor of Arts from the University of Pittsburgh. Mr. Jaffe is a Fellow of The American College of Consumer Financial Services Lawyers. He has been active in numerous finance-related trade organizations, including the Mortgage Bankers Association of America ("MBAA"), the California Mortgage Bankers Association ("CMBA"), the United Trustees Association, the Real Property and Business Sections of the California State Bar and the American Bar Association ("ABA"), and the California Financial Services Association. Mr. Jaffe has served as a member of the California State Bar's Financial Institutions Committee and its Consumer Financial Services Committee. He is an active member of the ABA's Consumer Financial Services Committee, and is a former Chair of its Preemption and Federalism Subcommittee. He has also chaired both the MBAA’s Legal Issues Committee and the CMBA’s Legal Services Committee. Mr. Jaffe is a frequent lecturer at seminars and conferences sponsored by real estate and consumer finance trade associations and has written extensively on the legal aspects of consumer and commercial lending, mortgage banking and e-commerce. He is the original author of the California chapter for the Western Region Volume of Residential Mortgage Lending: State Regulation Manual published by West Group, and an original co-author of the six volume set entitled State Regulation of Second Mortgages and Home Equity Loans published by A.S. Pratt & Sons.