BREAKOUT SESSION: Managing Increasing Compliance Requirements

Partner, K&L Gates, LLP

Nachael is a partner in the global Finance practice of K&L Gates LLP. Her work includes the representation of institutional lenders, investors and financial institutions in a variety of structured finance transactions. She concentrates her practice on commercial real estate finance, primarily representing lenders and CMBS, CRE CLO, multifamily agency, and portfolio loan servicers in all areas of asset management for both performing and non-performing loans secured by all commercial real estate asset classes.

Executive Director - Head of FHA Asset Management, Wells Fargo Bank, N.A.

Michael is the Executive Director, Head of FHA Asset Management for Wells Fargo – Multifamily Capital. In this role he oversees asset management and servicing for construction and permanent FHA-insured loans in Wells Fargo’s portfolio, including Multifamily, Residential Care Facilities, and Hospitals. Previously, he was the Director of HUD's Multifamily Asset & Counterparty Oversight Division. In this role he was responsible for oversight of the MAP lending program, policy, and compliance activities for over 30,000 properties both insured and assisted, along with enforcement for non-compliance. Prior to that, Michael was Vice President at Bank of America and Management Analyst at HUD. He has a B.A. from UC-Davis and a Juris Doctorate degree from Georgetown.

Director, Multifamily Asset Management, Freddie Mac Multifamily

Cindy Ina is a Director on the Freddie Mac AMO Surveillance team who is focused with ongoing surveillance and performance analysis as well as the Master Servicing responsibilities of the securitized, HFI & HFS KT, ML, Q, and SBL portfolios. Prior to joining Freddie Mac in 2020, Cindy was Vice President at Wells Fargo Commercial Mortgage Servicing from 2009-2020 within various management roles in Portfolio Surveillance and Reporting overseeing the performance, risk and inspections of a $500B CMBS portfolio and in GSE Asset Management overseeing the servicing and asset management of the $1B Freddie Mac portfolio, including approval authority of consents, new loan set-up, compliance, process controls, rating agency reviews, audit, and new deal review. From 2002-2009, Ms. Ina was a Credit Officer with a focus on underwriting large commercial real estate projects ($1MM-$500MM). Ms. Ina received her Bachelor of Science in Finance from Xavier University and a Master of Professional Studies in Real Estate from Georgetown University. She was a member of the CREFC planning committee for the Washington DC Real Estate Forum in December 2020. Cindy is currently a co-chair on the CREFC Women’s Network Community Outreach Committee for the past five years, a member of MBA and CREFC, volunteer for youth sports and her church in Virginia. She is also a mentor for Freddie Mac, Georgetown, and CREFC.

Vice President, Operations Manager Senior, PNC Real Estate

Victoria Kratzberg is a Vice President and Senior Operations Manager within Midland Loan Services' Real Estate Solutions group. In this role, she manages the team responsible for covenant monitoring, and completing lockbox activations and deactivations. Victoria has a wide breadth of knowledge in the commercial real estate servicing industry from experiences in several loan servicing and cash management roles. Victoria graduated magna cume laude from Emporia State University with a BSB – Accounting. She is a member of CREFC’s Servicer Forum and serves as president of Midland’s Women Connect EBRG chapter. A recent participant in the MBA’s 2023 Future Leaders Program, Victoria is actively pursuing her CCMS designation from the Mortgage Bankers Association.