Chief Financial Officer

Mike Churchill

Chief Financial Officer of Dividend Finance (Fifth Third Bank), Former Big 4 CPA

San Francisco, California, United States

Email: ************@*****.*** Phone: 415-***-**** LinkedIn: https://www.linkedin.com/in/mschurchill/

Professional Summary

Dynamic finance executive and former Big 4 CPA with over 25 years of experience across fintech, lending, and SaaS platforms. As CFO of Dividend Finance, led the scaling of financial operations and played a pivotal role in developing the industry’s first residential solar loan platform, culminating in a successful acquisition by Fifth Third Bank. Proven expertise in operational scaling, financial strategy, and executing pioneering transactions. A strategic leader skilled in building robust financial infrastructures to drive growth, optimize capital, and enhance organizational value.

Specialties: Former CPA, Financial Scaling & Strategy, Treasury & Cash Management, PE-backed Transactions and Exits, Accounting and Financial Operations.

Professional Experience

Dividend Finance

Chief Financial Officer

PE-backed lending and SaaS platform acquired by Fifth Third Bank (May 2022)

January 2017 – October 2024 San Francisco Bay Area

Pivotal role in the creation and launch of the industry’s first residential solar loan platform, establishing a new market category.

Drove financial operations, increasing annual production from $175MM to $3B through effective scaling, strategic oversight, and capital management.

Managed accounting, treasury, and secondary market transactions, securing warehouse funding and executing the first solar loan securitizations and whole-loan sales in the industry.

Key player in the acquisition by Fifth Third Bank, leading the post-acquisition financial transition as CFO of Dividend’s line of business.

Ethos Lending LLC

Chief Financial Officer

Recruited by a trusted executive from three previous companies: Provident, E-Loan, and Bay View Capital

June 2014 – January 2017 San Francisco Bay Area

Led financial growth, scaling the company from an 8-person start-up to a 130-person operation with $250MM in monthly originations within a year.

Streamlined financial operations, optimizing treasury, accounting, secondary market, and AP functions.

Secured $200MM in warehouse funding, building key relationships with secondary investors and hedge advisors.

Cardinal Financial / Sebonic Financial

Chief Financial Officer

Recruited by a key executive from RoundPoint

May 2013 – June 2014

Co-founded the company and helped lead a strategic acquisition of a direct-to-consumer mortgage platform, scaling financial operations.

Secured warehouse funding and secondary market investors, executing over $800MM in Mortgage Servicing Rights (MSR) sales.

RoundPoint Mortgage Company

SVP Finance

Followed key executive to Cardinal

April 2012 – May 2013

Restructured finance operations and developed performance projections, contributing to executive leadership.

Developed essential financial models to manage liquidity and profitability.

Provident Funding Associates L.P.

Senior Consultant

Recruited by a trusted executive from E-Loan and Bay View Capital

April 2011 – April 2012

Led IPO preparations and developed strategic business plans for subsidiaries.

Established key financial controls and ensured Sarbanes-Oxley compliance.

LendingTree

VP Finance & Treasury, Mortgage Lending

Recruited by LendingTree founder after E-Loan ceased operations

January 2008 – March 2010

Directed financial strategy, forecasting, and treasury operations. Key financial liaison for LendingTree’s mortgage banking operations.

E-Loan, Inc. & Banco Popular

Director of Finance & Strategic Planning

Recruited by a trusted executive from Bay View Capital

September 2004 – January 2008

Additional Experience

Redwood Trust – Chief Accounting Officer

Bay View Capital Corporation (Bay View Bank) – First Vice President

Morgan Stanley Dean Witter & Co – Account Executive (Series-6&7)

Twentieth Century Fox – VP of Finance & Accounting

PricewaterhouseCoopers (formerly Coopers & Lybrand) – Audit Supervisor

Education

University of California, Santa Barbara

B.A. in Business Economics with an Accounting Emphasis

CPA

Licensed by the California Board of Accountancy – (cert. no. 90654, inactive)

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