BREAKOUT SESSION: Financial Management Hot Topics

Marina Walsh, CMB

Vice President, Industry Analysis, Mortgage Bankers Association

Marina Walsh, CMB, is Vice President of Industry Analysis in MBA's Research and Economics Department, specializing in industry performance benchmarking for residential lenders and servicers. She leads the management and direction for the Mortgage Bankers Performance Reports, the Peer Group Survey and Roundtable Program, the Servicing Operations Study, the Warehouse Lender Study, and other studies that measure lender performance. She is MBA's spokesperson for all servicing-related studies including the National Delinquency Survey and the Loan Monitoring Survey. Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group. She has previously been named to HousingWire's "Women of Influence" list. She holds a bachelor’s degree from Cornell University and a Master of Public Administration degree from Columbia University.

Michael D. McAuley

Principal, Garrett, McAuley & Co.

Michael D. McAuley is a Principal of Garrett, McAuley & Co., a banking and mortgage banking consulting firm that “helps lenders increase revenues, control costs and better manage risk.” Mike has more than twenty years of commercial banking experience in financing mortgage bankers, homebuilders, and related firms, most recently at JP Morgan Chase. Mike managed the warehouse lending business for Washington Mutual and JP Morgan Chase and was formerly in mortgage banker finance and lending at the Irving Trust Company and Bank United of Texas. He provides consulting services to mortgage bankers, regulators, and other industry professionals, and he has helped commercial banks establish, assess, and improve their mortgage warehouse lending operations.

Seth D. Sprague, CMB

Director, Consulting Services, Richey May

With extensive experience in mortgage banking and mortgage servicing, Seth leads the Mortgage Banking Consulting Services practice at Richey May. A sought-after speaker, he often speaks on liquidity, profitability and the overall challenges in the mortgage industry. Seth joined Richey May from the STRATMOR Group where he was a Principal. Prior to joining STRATMOR, he was EVP of Trading & Analytics at Phoenix Capital. Seth also served as SVP, Servicing Asset Manager at SunTrust Mortgage for more than 10 years, where he developed and led their servicing rights valuation team. His career also includes accounting, analytics and auditing roles at Bank of America, KPMG LLP and United Financial Inc. Seth holds the designation of Certified Mortgage Banker (CMB) from the MBA and was awarded the Mike Rosser Lifetime Achievement Award by the MBA CMB Society in 2023.