Vice President Company

Harold Christopher Ferrell

*** **** *****

Franklin, TN 37064

615-***-**** Home

615-***-**** Office

********@****************.***

Summary:

. Spent over a decade in the financial capital markets, where I

have been involved in all aspects of mortgage portfolio

acquisitions, including due diligence review, price

analytics, financial analysis, and loan closings.

. Worked for several firms in the capacity as Vice President

for the acquisition and disposition of whole loan portfolios

totaling $2 billion dollars since 2000.

. One of the main developers of a proprietary pricing model

that is both extensive and well tested by any risk management

measure.

. Led the search and acquisition of a specialty servicer to

provide better efficiencies to the company.

. Have a strong foundation and understanding into financial

analysis, credit analysis, and acquisition negotiations.

Employment: Hermitage Funding LLC December 2008-Present

Member

. Established Hermitage Funding as a boutique whole loan

acquisition shop for the purpose of consulting clients in

the pricing, sourcing, due diligence, and acquisition of

assets.

. Actively work with investors and sellers on how best to

execute a transaction that meets their expectations and

timelines.

. Involved in the negotiations concerning final pricing, due

diligence, representations and warrants, and all other

aspects of a loan transaction.

Beltway Capital December 2007-November 2008

Vice President

. As the residential acquisition arm of an investment

company, worked deals from inception to close for the

acquisition of sub-performing and nonperforming mortgages.

. Worked to establish business flow from multiple sellers,

including equity firms, hedge funds, institutional lenders,

and regional banks.

. I have a thorough knowledge of the buy and sell side of

whole loan trading.

. One of the principles in the development of MARS, a

sophisticated asset pricing model that takes into account

many variables that effect asset recovery, such as, value

depreciation by zip codes, foreclosure timelines by state,

credit score, loan to value, coupon, payment delinquency,

owner occupancy, and geographic concentrations. MARS then

has the ability to grade the quality of the assets to help

determine price and influence exit strategy.

. Involved in the search and acquisition of a specialty

servicer for the express purpose of increasing overall

responsiveness to the company.

American Residential Equities January 2006-

September 2007

Vice President of Capital Markets

. Primary role was business development through establishing

and servicing relationships with clients.

. Involved in all aspects of the acquisition process

including sourcing deals, pricing portfolios, producing and

presenting competitive bids, deal negotiations, conducting

due diligence review including State and Federal

compliance, closing procedures, and whole loan trades both

purchase and sale side.

SN Servicing Corporation December 2000-

December 2005

Vice President

. Responsibilities included preparing indicative bids,

stratifying portfolios into various tranches based on risk,

sourcing deals, preparing funding request, and meeting

client's expectations from inception to close.

. Prepared bids using various assumptions, such as value

degradation, occupancy rates, and foreclosure timelines, as

well as, credit analysis.

. Purchased both residential and commercial assets of all

types.

Education: Belmont University

The Jack C. Massey Graduate School

MBA - Cum laude

University of Colorado

B.A. in Economics with emphasis in Statistics and Forecasting

Community

Involvement/ Assist with fund raising for New Hope Academy

Hobbies/Certifications: Sailing

Flying

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