Since 2009, Mr. Francis has served in the capacity of Chief Legal Officer or General Counsel for financial institutions focused on consumer and commercial lending. Mr. Francis’s experience includes responsibility for day-to-day aspects of a company’s legal function, as well as oversight relating to both compliance and business operations. His work in debt collection, alone, has seen a rate of return five times higher than the industry average.

A veteran of the credit industry, since 1992 Mr. Webster’s experience has placed him at a leadership position for companies who have built wealth by investing in secondary lending, point-of-sale financing and bulk purchases of consumer and commercial receivables. Most recently, Mr. Webster was responsible for the successful expansion of a compliant and meticulous credit model for a privately held company with $250 million in performing assets.

Mr. Owens’s work as an underwriter spans more than 30 years and is arguably as varied a background as any. He has served in a supervisory or senior management position since 1985 for various financial institutions. Mr. Owens has also managed teams tasked with collecting early to late stage delinquency accounts. His deep knowledge of underwriting and collection practices offers a vital perspective in risk assessment and portfolio management.