Mr. Daniel L. Perl, Chairman & CEO
Mr. Perl has more than 35 years of experience in all aspects of mortgage finance, including: operations, financial and risk management, asset valuation, and trading. He is currently involved in all aspects of managing CSC and the related fund, CMMI, LLC—from the pricing of assets to disposition.
Mr. Perl founded First Street Financial, Inc. (FSFI) in 2002 to serve as a vehicle to originate, sell, and service a variety of non-prime mortgages, which was followed by Citadel Servicing Corporation in 2003 to manage those assets.
From 1994 to 1999 Mr. Perl was the architect behind the renaissance of LIFE Bank. From 1987 to 1993 LIFE Bank was a $70mm single-branch federally chartered savings bank with 32 employees located in San Bernardino, California and lending primarily in the Inland Empire area. Mr. Perl took over operations in January of 1994 when approximately 20% of the assets were either in delinquent status or foreclosure. Over the following six years, Mr. Perl, as President and CEO, created an institution employing 700 people with over $700 million in assets. As an aggregator, seller, and securitizer of a diverse group of mortgage assets, LIFE Bank originated in excess of $1.0 billion annually and by late 1999 was servicing more than $3 billion in assets. Mr. Perl was actively involved in day-to-day operations, directly controlling opportunistic asset acquisition and secondary market pricing through LIFE Bank’s Capital Markets Group, while interfacing directly with asset servicing and management in addition to his other duties.
Mr. Perl currently holds a Real Estate Broker License through the California Department of Real Estate, a Principal Representative License through the Florida Department of Financial Services and is approved as a Mortgage Loan Originator via the Nationwide Mortgage Licensing System & Registry.
Ms. Terrie Hagerty, Executive VP & Director
Ms. Hagerty has 30 plus years of lending and asset management experience, including a background in quality control, underwriting, funding, compliance, and servicing.
As Senior Vice President and Director of Secondary Market Operations for First Street Financial, Inc., Ms. Hagerty was in charge of activities that occurred after the trade resulted in the sale of FSFI assets. Ms. Hagerty managed and maintained investor relations for FSFI, successfully overseeing the close of trades from the due-diligence process through the transfer of servicing by interacting with various Wall Street firms including Lehman, UBS, and Deutsche Bank Securities. She further directed the transfer of these assets to their appointed servicers, resolving any issues that might have arisen during the interim servicing period. Ms. Hagerty was also highly instrumental in facilitating the interface between FSFI and AMRS, which resulted in CSC. As part of her secondary and servicing activities for both companies, Ms. Hagerty has been a member of the Asset & Liability Committees (ALCO), an integral part of the Impaired Asset Committees that deal with the disposition of non-performing assets.
Ms. Hagerty is currently in charge of all aspects of the servicing platform at CSC once a loan or a pool of loans is acquired for investment.
Mr. Kyle Gunderlock, COO / Head of Capital Markets
Mr. Gunderlock has 13 plus years of hands-on experience in the mortgage finance business. Of note is his comprehensive knowledge of operations, financial and risk management, asset valuation, and whole loan trading, as well as the origination of mortgage loans and the management of wholesale and correspondent sales teams.
Mr. Gunderlock was a Vice President and District Sales Manager at First Street Financial, Inc. where he led a team of Account Executives and Broker Direct Representatives.
Mr. Gunderlock currently acts as Head Trader for CSC’s investment fund, CMMI, LLC, where on a daily basis, since 2007, he has the responsibility of pricing assets and negotiating trade documents. He is involved in the servicing and disposition of assets as well, and is a member of the Investment Committee that determines final asset acquisition and pricing. Mr. Gunderlock currently holds a Real Estate Salesperson License through the California Department of Real Estate and is approved as a Mortgage Loan Originator via the Nationwide Mortgage Licensing System & Registry.
Mr. William B. Fisher, Sr. Vice President of Loan Origination (Sales) & Marketing
Mr. Fisher leads all loan origination (sales) and marketing operations for wholesale, correspondent and retail at CSC with over 12 years in the mortgage finance business from wholesale to retail. Mr. Fisher possess a comprehensive background of building sales teams with winning cultures critical to success. Armed with a background in marketing and an impressive track record of introducing new products to market with quantifiable success, Mr. Fisher is instrumental in elevating CSC to higher market levels.
Mr. Fisher led the development and marketing of an online video production platform which delivered 80% of company revenues from zero the year before. Previously Mr. Fisher was a Vice President and District Sales Manager at First Street Financial, Inc. where he led a team of Account Executives and Broker Direct Representatives. Mr. Fisher currently serves as the Senior Vice President of Loan Origination and Marketing. On a daily basis he leads all sales activities, including designing sales team structure, hiring, training, process design, implementation and refinement. In his role as Marketing Director, Mr. Fisher is tasked with building the CSC brand. In so doing, he is leading all aspects of CSC’s outward facing marketing communication, including website design, marketing collateral, print advertising, tradeshow participation, email marketing, and overall communication. In addition, Mr. Fisher is building the internal sales support team.
Mr. Fisher currently holds a Real Estate Broker License through the California Department of Real Estate and is approved as a Mortgage Loan Originator via the Nationwide Mortgage Licensing System & Registry. Mr. Fisher has held MLO licenses in Florida, New Jersey, Washington, Oregon, Alabama, Pennsylvania, Washington D.C., Kentucky, New Mexico, Texas, and Virginia.