The Servicing Source - the nation's only firm devoted to providing totally independent and objective third party valuations and risk analyses to the mortgage lending and servicing industries. (www.ServicingSource.com)

Level 1 - provides the mortgage industry with loan product, pricing and valuation systems that are easy to use, fast, defensible and transparent. (www.Level1Loans.com)

Predictive Data - provides historical, actual and predictive information to the financial services industry through the acquisition and synthesis of databases from business, academic and government sources. (www.PredictiveData.info)

• Managing Director of Hanover Capital Partners
• Senior Vice President of Countrywide Securities Corporation
• Managing Director of CoreStates Capital Markets Group
• Chief Executive Officer of a nationally chartered commercial bank; and
• Vice President of Chase Manhattan Bank in New York and Hong Kong;

• CFO of their Consumer Banking Sector and

• Staff Assistant to Messrs. Rockefeller, Butcher and Labrecque.

Dr. Healy obtained his B.S. Cum Laude in Math/Economics; earned a Masters in Business Administration specializing in Banking; and a Doctorate in Business Administration with an emphasis on the business application of information technology. He also holds the Certified Mortgage Banker designation as well as Series 7, 24 & 63 securities licenses.

A Master Faculty Fellow of the Mortgage Bankers Association, Dr. Healy is a frequent and nationally renowned lecturer and author on asset optimization topics to the financial services industry both here and abroad. His text on mortgage servicing rights, Servicing Portfolio Evaluation and Management: A Financial Perspective, 2nd Edition has been published by the Mortgage Bankers Association.