Banco Popular de Puerto Rico

Sternberg is responsible for managing the strategic direction of Excellen REO, overseeing day-to-day operations, creating policies and procedures and establishing the internal growth strategy. Sternberg brings almost 40 years of experience in asset preservation, management and liquidation to Excellen REO. He is the former senior vice president of the REO department for American Home Loan Servicing, Inc. In this position Sternberg managed more than 200 employees and 33,000 assets. His duties included writing policies and procedures, creating a marketing program, hiring, managing the sales teams and representing the organization at industry conferences. During his tenure, Sternberg increased income and profitability by more than 400 percent in eight months. During his career, Sternberg also managed the REO department of one of the nation’s largest home loan lenders, Indymac Bank FSB, as the first vice president of home loan servicing and REO. Additionally, Sternberg’s former positions include national REO manager of Ocwen Federal Bank FSB, president of Virginia Commonwealth Realty and senior vice president of American Family Homes. Sternberg earned a bachelor’s degree from the University of Virginia. He is the former vice president of the Virginia Association of Realtors and past director of the National Association of Realtors. Sternberg is a frequent speaker at mortgage industry conferences and he has received a number of honors, including Realtor of the Year, the Fair Housing award and the Human Rights Award from the Virginia Human Rights Commission.

Kathy Mehringer, licensed since 1977, is a Real Estate Broker. She is a Mediator, certified through the Strauss Institute for Dispute Resolution in association with the Pepperdine University School of Law. Kathy is an Arbitrator for the California Association of Realtors (C.A.R.) and holds the coveted designation of CRB. Formerly an instructor for the Graduate Realtor Institute (G.R.I.) she taught Agency Law and Ethics and is a certified Continuing Education Instructor for both California and Arizona Departments of Real Estate. Mehringer began her management career in 1988 and has managed multiple branch offices for high profile companies including Fred Sands Realtors, Jon Douglas Company and most recently Coldwell Banker Residential Brokerage, Beverly Hills East Office. Formerly Vice President and Regional Manager for Fred Sands Realtors, Kathy developed and supervised the company's training program and was the legal liaison responsible for forms and policy development. Since 1999 she has served the Real Estate industry as a C.A.R. State Director. Prominent positions held include Chair and Vice Chair of the Standard Forms Advisory Committee. Simultaneously she served on the Study Group that developed the C.A.R. Residential Purchase Agreement currently used statewide. Other C.A.R. committees include: Consumer Risk Management, Professional Standards, Legal Affairs Forum, Chair and Vice Chair of the Legal Action Fund Trustee Committee and most recently Kathy was appointed Vice Chair of Federal Issues 2009 and Chairperson in 2010. Kathy Mehringer is the Director of Risk Management for Coldwell Banker Residential Brokerage, Southwest Region. Her responsibilities include risk management education, strategic broker defense training, contract, and agency and buyer representation education for nearly six thousand sales associates affiliated with the Greater Los Angeles, Orange County and San Diego companies. Additionally she provides Short Sale and Risk Management Seminars throughout the Western Region of the United States. Including California, Arizona, Colorado, Hawaii and Utah. Kathy routinely conducts seminars wherein large venues are commonplace, at locations such as, Skirball Center Los Angeles, Biltmore Four Seasons Santa Barbara, San Francisco and Santa Clara Conference Centers among, San Francisco’s Fort Mason-Cowell Theatre, and Del Mar Fairgrounds CA. Association of Realtors venues include: Santa Barbara CA., Southland Regional CA., Ventura County Coastal CA., San Diego CA., Salt Lake City Utah, Northern Wasatch Utah, among others. During her career Kathy has been passionate in the quest to promote education and professionalism throughout the industry. In addition to her contributions to C.A.R. she has served and continues to serve at the local level, including the Southland Regional and Conejo Valley, and San Diego Associations of Realtors. Her leadership and commitment to professionalism is further demonstrated through her former association with the Ventura County Real Estate Fraud Task Force. Kathy currently serves the Southland Regional Association of Realtors as a member of the Professional Standards Committee, founding member of the SRAR Risk Management Committee and is former Chair of the Ethics and Arbitration Committee. For nearly a decade Kathy served as committee Chairperson for the Conejo Valley Association's Ethics Committee while serving on numerous other committees. She is a member of the San Diego Association of Realtors Risk Management committee, where she served as Vice Chairperson in 2008 and Chairperson in 2009. In 2000 she was elected Conejo Valley Association Realtor’s President and in 2003 received the organization's prestigious Realtor of the Year Award.

Pamela Rosenhouse is the Regional Area Manager for Southern California and Southern Nevada. She is responsible for supporting the REO Business Units and Vendor Network by providing training, addressing emergency issues and reviewing reports to identify trends.Pam has been with Freddie Mac since 2002, holding various positions including Sr. Sales Specialist and Sr. Title Specialist. Pam has a total of 10 years of REO experience, 5 years of retail real estate and 10 years of property management experience. Her skills include management of staff, oversight of large rehab projects, training and project implementation.

Richard W. Koch is a Senior Vice President in the newly created Operational risk Assessment Group at Realpoint, a Morningstar Company. His responsibilities include the analysis and ranking of residential mortgage and consumer loan servicing entities. Richard is responsible for evaluating a diverse group of servicers including conforming, nonprime, subordinate lien, reverse mortgage, master servicing and special servicing entities in addition to component servicers and third party industry vendors. Richard is also responsible for the development and publication of residential servicing criteria. As a Director in Standard & Poor’s Servicer Evaluation unit from 1997--]2011, Richard published the first Australian servicer reviews in 1999 and played a key role in the development of servicer rankings in Europe and Japan. In 2002, Richard developed and implemented SEAM (Servicer Evaluation Analytical Methodology), a web--based database for collecting and analyzing a wide variety of servicer performance metrics. SEAM provided a framework for performing periodic surveillance on servicers as well as a basis for recalibrating servicer criteria and identifying industry trends in real time. Richard developed peer and industry benchmarking products for the residential servicing industry as well as writing and publishing an in--depth analysis of residential servicer performance metrics on a semi--annual basis known as the Industry Spotlight Report. Richard is a frequent speaker and moderator on mortgage industry panels discussing current trends and topical issues in the mortgage servicing industry. Richard has authored numerous articles on topics ranging from the role of special servicers and offshore outsourcing to the robo-signing crisis. Prior to joining Standard & Poor’s in 1997, Richard held a management position with the RTC (Resolution Trust Corp.), overseeing the loan administration and asset disposition functions of a savings and loan in receivership. As an officer at Hong Kong and Shanghai Banking Corp. (HSBC), he developed and implemented a successful mortgage and consumer loan servicing program, and as an Assistant Vice President at National Westminster Bank USA (NatWest), he managed the loan administration group. Richard holds a B.A. degree in political science and communications from Queens College, City University of New York, and a J.D. Degree from Thomas Cooley Law School.

Steven M Sakofsky is the Owner and Broker of SunTrust Homes Real Estate as well as Torrey View Home Loans. As a longtime resident, Steven has been helping homeowners in San Diego by providing Real Estate and Financing Services since 1984. Because of his years of experience working with banks, Steven’s real estate company, SunTrust Homes, has an incredible success rate in obtaining bank approvals on Short Sale transactions. The goal of the short sale approval being the minimum negative impact to the Seller along with terms that are favorable enough for sincere and motivated buyers to have sufficient incentive to complete the purchase.Steven believes that the more efficient Real Estate Agents are in handling short sale transactions, the better for all the homeowners in the community. It is because of this belief that he is happy to engage all who look to improve their skill set.

Diana Stauffer is a Senior Vice President and Regional Servicing Director for CA. Her current responsibilities include managing relationships with Public Officials, Housing Groups and the Senior Leaders of Wells Fargo to ensure the company is maximizing its efforts in the area of Home Preservation. Diana’s previous experience includes the development and management of the Field Short Sale Group, an industry leading team that provides personalized and local assistance to Realtors and sellers on short sale transactions. Additionally, Diana has managed Loan Origination, Underwriting and Appraisal Organizations. She has enjoyed a nineteen year career with the bank.Diana has a Bachelors of Science from Indiana University.

William Moran is the Assistant Commissioner in charge of the Department of Real Estate’s (DRE) Enforcement Program for the State of California, a position he assumed in December 2000. In this position, Moran oversees the DRE’s investigations and enforces the provisions of the Real Estate Law and the Subdivided Lands Law, which are contained in the California Business and Professions Code. Moran holds a Bachelor’s of Science Degree in business administration from the University of La Verne and a Masters Degree in Public Administration from the California State University, Dominguez Hills. Moran has been with the DRE since 1981, and began his career as a deputy commissioner investigator in the Department’s Los Angeles Office where he was responsible for the investigation of consumer complaints against real estate licensees. He worked in the capacity of an investigator until 1989. Three years of this time was spent on the Department’s special investigations unit known as the Crisis Response Team investigating major cases.In 1989, Moran became a manager of team of investigators responsible for general investigations, and in 1990 became the manager of the Department’s Crisis Response Team which handled cases involving major fraud or losses to the public, as well as cases involving high sensitivity or coordination with outside law enforcement agencies.In 1993, Moran transferred to the Department’s Sacramento Office and became a Managing Deputy Commissioner IV in charge of the Licensing, Examination, Education and Research Programs.In December 2000, Moran assumed his current position as the Assistant Commissioner of the Department’s Enforcement Program.

Larry Platt is a Practice Area Leader of the Financial Services Practice of K&L Gates and sits on the firm’s Management Committee. K&L Gates comprises nearly 2,000 lawyers who practice in 36 offices located on three continents. Corporate Counsel magazine recognized K&L Gates among the top four corporate “go-to law firms” used by America’s largest companies. In addition, K&L Gates received the most “First-Tier” rankings of any law firm in the U.S. News & World Report's 2010 inaugural survey of over 9,500 clients and nearly 9,000 lawyers in the United States to determine the law firms that are regarded most highly by clients and by their peers in the profession. In 2010, Chambers USA, an independent and research-based guide to the legal profession, ranked K&L Gates in the top tier (the highest ranking) in the area of “Financial Services Regulation: Consumer Finance (Compliance).” The report described K&L Gates as a “go-to firm for the most high-profile, complex and important cases in the consumer area.” In addition, in 2007-2010, Chambers USA ranked Mr. Platt as one of the nation’s leading Consumer Financial Services Regulation Lawyers. Mr. Platt concentrates his legal practice in representing purchasers and sellers of mortgage companies and mortgage-related assets, counseling clients on federal and state consumer credit laws, defending clients in government enforcement actions, and representing clients in governmental public policy matters.

Mr. Walsh has a broad mortgage lending and real estate back ground with a solid understanding of the economics of loan servicing and a strong expertise in the mortgage default management.   Mr. Walsh joined Roosevelt Management Company August 2008 and is responsible for management of mortgage assets including loss mitigation strategies, loan administration and mortgage servicing.   Mr. Walsh is President of Rushmore Loan Management services, a subsidiary of Roosevelt Management Company.  Mr. Walsh was with Morgan Stanley for four years and led the Morgan Stanley servicing oversight function responsible for third party servicing relationships, master servicing and asset risk management for the retained and securitized mortgage portfolio. Mr. Walsh held the position of Department Head for Freddie Mac HOMESTEPS and accountabilities included REO disposition, delinquent loan property valuation, loan repurchase settlement, mortgage insurance recoveries and final settlement loan accounting.  During his tenure with Freddie Mac he was on the Operations Management and Risk Management committees, worked closely with Freddie Mac’s top 25 seller/servicers and was a member of the Freddie Mac Servicer Advisory Board from 2000 to 2004.Mr. Walsh was with PHH for 15 years in the real-estate and mortgage division and held the positions of Manager of Business Processes, Director of Operations, VP Customer Relations, and was General Manager PHH Asset Services.  Mr. Walsh graduated with a Bachelors of Science in Computer Information Systems from Quinnipiac University, Hamden, CT.  Mr. Walsh has been an active participant in the Mortgage Banker Association and a frequent speaker at both mortgage and real estate industry events.