I am the founder and managing partner of a large financial consultancy, which assists institutional clients with specialized support in the areas of structured finance and real estate capital markets. First and foremost, I am an investment banker. I have over 25 years of experience with real estate finance and structured finance products such as Residential Mortgage Backed Securities(RMBS), Asset-Backed Securities (ABS), Commercial Real Estate Loans and Commercial Mortgaged-back Securities (CMBS). My experience with structured finance, real estate capital markets, and structured finance products is extensive. Throughout my career, I have held positions in which I was responsible for judging the risks and return of real estate, structured finance products, and capital markets. My experience includes being an executive responsible for evaluating and underwriting structured fixed income instruments and mortgage loans from a borrower’s perspective as well as holding executive positions involving lending, loan underwriting and pricing. I have developed both a qualitative and quantitative understanding of the relationships between mortgage-collateral and complex mortgage securities.