Stephanie Austin is the Regional Mortgage Loan Underwriting Manager at Arvest Bank. She started with Arvest as a part time teller in 1997 and has since held several positions within Arvest including Consumer Loan Officer, Mortgage Loan Underwriter and Mortgage Operations Manager. Stephanie graduated from John Brown University with a Bachelor Degree in Organizational Management. She grew up in Decatur, Arkansas and currently lives in Rogers, Arkansas.
takes the audience on a journey to high peaks around the globe, detailing the meaningful and exciting endeavors of mountaineer and adventurer Jeff Evans. These experiences have allowed Jeff to hone his skills of teamwork, commitment, servant leadership and handling adversity which he shares in a way that is applicable to everyone in their business and personal lives.
Lindsey has been in the mortgage industry for over 14 years. Lindsey began her experience in the mortgage industry working as a loan processor for a mortgage broker for 3 years. She then took a job as a MLO with First State Bank (now known as Centennial Bank) in April of 2007. During her first years as a MLO at Centennial Bank, Lindsey originated, processed, closed and shipped all of her files. This has helped her understand and appreciate all roles involved with the loan process. She closes an average of $20mil/year primarily in the Faulkner County market. Lindsey is involved with her church at New Life Church in Conway, Conway Chamber of Commerce leads group, Faulkner County Board of Realtors and Kiwanis. She received the First State Bank Golden Hammer award in 2009, the Top Producer President’s Award in 2015, 2016 and 2017. She also was recognized in 2016 and 2017 as one of the Top Mortgage Lenders in Faulkner County by the Log Cabin Democrat.
Lindsey graduated from the University of Central Arkansas in May of 2003 with a BS degree in Business Management. Lindsey is married to Brad who is a commercial loan officer for Centennial Bank. They have three young sons, Layton (3), Logan (3) and Will (2).
For over 25 years, Jeff Evans’ global experiences as a world-class mountaineer, guide, and emergency medic have helped him master the skills of servant leadership, teamwork, communication and trust which are the cornerstone themes in his keynote and breakout sessions.
Jeff’s amazing adventures and challenges have given him the tools to become one of the most dynamic and inspirational speakers on the circuit today, delivering his message to tens of thousands of audience members and changing the way we approach our roles within our work and family environments.
NAH Rep Consulting Services
Luz Maria (Maria) Vergara is President of NAHREP Consulting Services (NCS), a strategy and marketing consulting firm specializing in the Hispanic segment and housing industry. She has over twenty years of experience and in-depth knowledge of the financial, investment and housing industries while serving in senior management roles at organizations such as Citi, Prudential/Wachovia, and Edward Jones. Her expertise in how cultural nuances factor into buying decisions and consumer behaviors has been a critical factor to successful strategies for companies reaching diverse markets. Her bilingual and bicultural background has contributed to success in both the Anglo and Hispanic markets and in understanding the needs of underserved populations. Maria holds a Bachelor Degree in International Relations and a Master’s degree in Marketing and has received many industry accolades and recognitions for her expertise in the areas of diversity and inclusion. She is a sought-after speaker and regular contributor to many industry publications on the subject of multicultural markets. Maria is a native of Chicago and currently resides in St. Charles, MO.
Buckley Sandler, LLP
Josh Kotin is a Counsel in the Chicago office of BuckleySandler LLP. Mr. Kotin routinely assists depository and non-depository financial institutions with federal and state regulatory and enforcement matters, particularly with respect to compliance with consumer protection laws.
In recent years, Mr. Kotin has advised institutions on managing regulatory examinations and responding to reports of examination, assisted financial institutions in responding to pre-enforcement and enforcement notices from regulatory agencies, and helped financial institutions develop and maintain compliance management systems. Mr. Kotin also has defended financial institutions against allegations of redlining, pricing discrimination, and underwriting discrimination.
During law school, Mr. Kotin served as a law clerk at the Financial Services Committee in the U.S. House of Representatives. Prior to attending law school, Mr. Kotin was a legislative analyst at a political consulting firm in Washington DC, advising financial institutions on issues pertaining to depository institution capital standards and housing finance.
Mr. Kotin received his J.D. from The George Washington University Law School in 2009. He received his B.A. from Williams College in 2003.
Chairman, President, and CEO of Essent
Mark is the founder of Essent and has served as Chief Executive Officer and as a member of the board of directors since 2008. He serves as Chairman of the Board of Directors and has more than 25 years of financial services management experience, with senior roles in the areas of mortgage banking, mortgage insurance, bond insurance and capital markets.
From 2001 to 2007, Mark held various senior management positions with Radian Group, Inc., including most recently serving as the president of its mortgage insurance subsidiary, Radian Guaranty, Inc. Prior to that, he oversaw capital markets and strategic investments for Radian and managed its joint venture businesses. Mark also held various management positions with Advanta Corp., a financial services company, including serving as its senior vice president of corporate finance services.
He holds a BS in accounting from St. Joseph's University and an MBA in finance from New York University.
Mortgage Bankers Association
Tricia Migliazzo, Vice President of Member Engagement, Mortgage Bankers Association
Tricia Migliazzo is Vice President of Member Engagement at the Mortgage Bankers Association in Washington, DC. Ms. Migliazzo's responsibilities include leading MBA's residential recruiting and residential member engagement initiatives nationwide. She has formed and currently leads a Strategic Member Relations team that develops, strengthens and manages personal relationships with senior executives at the Association's member companies, in order to maximize the value of their MBA membership and engagement. The team coordinates and facilitates the integration of member companies across MBA, by connecting them to the MBA resources that support their individual needs.
Ms. Migliazzo brings to MBA over 15 years of management experience in the mortgage banking industry. She joins MBA from Lenders One/Altisource Portfolio Solutions, where she most recently served as Director of Business Development/Capital Markets/AFO, growing the cooperative by recruiting members and investor partners while influencing program and product utilization for increased revenue growth. Prior to joining Lenders One in 2006, Ms. Migliazzo was Director of Operations/Business Development at a mid-size national retail mortgage bank where she diversified product and business divisions/segments to increase market share, expanded target markets, and implemented policies and procedures to adhere to regulatory compliance guidelines. Before that, she held positions in finance and administration in the healthcare industry.
Ms. Migliazzo has a degree in Business Administration from the University of Missouri. She can be reached at email@example.com.
Mortgage Bankers Association
Tamara King, Vice President of Residential Policy and Member Engagement, Mortgage Bankers Association
Tamara King is Vice President of Residential Policy and Member Engagement. She helps lead MBA's engagement strategy for the Policy Team with several key member segments. Ms. King oversees MBA's Independent Mortgage Bankers Executive Council and Network, the Community Bank and Credit Union Network, the Warehouse Lenders Executive Council, the Wholesale Lenders Executive Forum, and the Diversity and Inclusion Advisory Council. Prior to her current role, she managed MBA's residential loan production areas where she helped direct the association's policy development on regulatory, legislative, and industry issues.
Tamara has extensive experience in mortgage finance, community development, and state and local governments. Previously, Tamara was a Senior Business Manager for manufactured housing in Fannie Mae's Single-Family Mortgage Business. In this role, Tamara was responsible for developing and managing new initiatives and products, and developing business and strategic relationships with manufactured-housing participants. She also managed the development of several affordable lending products at Fannie Mae. Tamara's other positions have included Vice President of Community Development at HSBC Bank in New York, Director of the New Homes Program at the New York City Housing Partnership, Senior Project Planner in the New York City Mayor's Office of Operations, and Senior Budget Examiner in the New York State Department of the Budget.
Tamara earned a master of public policy degree from the School of Public Policy at the University of Michigan, and a Bachelor of Arts degree in English literature with concentrations in public policy and African American studies from Swarthmore College.