BREAKOUT SESSION: New Credit Score Models: Assessing Risks and Benefits

Associate Vice President, Secondary & Capital Markets, Mortgage Bankers Association

Sasha Hewlett is Associate Vice President of Secondary & Capital Markets on the Residential Policy Team at MBA. In this role she works with various market participants, agencies, organizations to address secondary policy issues and advocate for MBA members. She is also the lead staff member for the Secondary and Capital Markets Committee. Prior to joining MBA, she spent a majority of the last 12 years in various roles at Freddie Mac and Fannie Mae. Sasha is a Graduate of Virginia Tech and lives in Washington, DC.

SVP, Credit Risk Management, Arch Mortgage Insurance Company

Jim Krueger is the Senior Vice President of Credit Risk Management at Arch US Mortgage. In his current position, Jim is responsible for the credit functions of US mortgage operations including: credit policy, portfolio risk management, model risk management, client risk management, and master policy. Jim is in his 25th year in the mortgage insurance industry and, while primarily leading risk functions, has also had the opportunity to lead international business development, international marketing and product development, and serve as the CRO for Asian operations. Jim holds an undergraduate degree in Finance, an MBA from the University of Florida, and is an Executive Scholar of Northwestern University's Kellogg School of Management.

Senior Executive Vice President and Chief Operating Officer, Freedom Mortgage Corporation

Mike Patterson serves as Senior Executive Vice President and Chief Operating Officer of Freedom Mortgage, one of the largest and fastest-growing independent mortgage companies in the country. He is responsible for the oversight of many functional and operational areas, including capital markets, finance, investor relations, mortgage operations, as well as the strategic growth of the company. Mike began his career in the mortgage industry in 2000 at Irwin Mortgage Corporation based in Fishers, Indiana. In 2006, Freedom Mortgage acquired Irwin Mortgage Corporation, and Mike joined the Freedom Mortgage team. He quickly flourished at Freedom Mortgage and was promoted to Vice President of Finance in 2008. Mike was promoted again in 2013 to Senior Vice President. In 2014, Mr. Patterson was named Executive Vice President and, later in that same year, Chief of Staff. In 2019, Mr. Patterson was appointed Chief Operating Officer of Freedom Mortgage. Last year, Mike was named a Power 50 leader by South Jersey Biz magazine.

Managing Director, Sector Lead U.S. RMBS, S&P Global Ratings

Jeremy Schneider is the Sector Lead for the Structured Finance U.S. Residential Mortgage-Backed Securities (RMBS) group at Standard and Poor's Global Ratings. Jeremy focuses on new issuance ratings including ratings criteria, analysis, and mortgage-related commentary. Jeremy has more than twenty years of industry experience and has been with Standard and Poor's Global since 2006. While with Standard and Poor's he has worked in both the new issuance and surveillance groups focused primarily on ratings and criteria development. Jeremy was heavily involved in the criteria development for both RMBS new issuance and legacy surveillance criteria. He has also published numerous commentaries to the market relating to both credit ratings and the mortgage and housing market in general. Jeremy is also a Co-Chair for Standard and Poor's Global Rating’s Structured Finance Analytical Oversight and Consistency Council. Jeremy’s experience prior to joining Standard and Poor's Global Ratings includes direct-to-consumer origination of residential mortgage loan products including both prime and non-prime. Jeremy holds a bachelor’s degree in marketing from Maryville University of St. Louis and a Master of Business Administration degree from Washington University in St. Louis.