Create a Vibrant and Sustainable Funding Platform for the Acquisition of
Non-Agency Loans

Energizing innovation and growth for the future.

Meet the eRESI

Gregory Tsang

Mr. Tsang most recently headed the Wells Fargo Securities’ Residential Whole Loan trading desk focusing on new origination and legacy distressed portfolios. Previously, he was a Senior Director at Morgan Stanley and Barclays overseeing the mortgage trading desk and conduit platform. He has over 20 years of whole loan and mortgage industry experience and holds a bachelor’s degree from NYU.

Tim S. Wang

Mr. Wang was a founding partner of a top national mortgage lender, PennyMac Financial Services Inc. Serving as Executive Vice President, Investment Strategy, Mr. Wang led the formation of various conduit programs and innovative securitization transactions. He has over 20 years of executive management and investment experience and holds a bachelor’s degree from UCLA and an MBA from USC.

Sandra Penichet

Ms. Penichet brings over 25 years of experience working in the investment banking industry to eRESI, with extensive knowledge in RMBS, whole loan transaction management and mortgage warehouse financing. She has superior client service skills, along with technical credit risk management and compliance expertise. Most recently, she was part of the residential risk and due diligence groups with Barclays, JPMorgan and Credit Suisse.

David Shriver

Mr. Shriver spent 10+ years at Western Asset Management where he was the lead manager on the formation of various securitization platforms covering residential, commercial, and consumer asset classes. He built the comprehensive capital markets and technology infrastructure to execute complex trading activities and whole loan transactions. David earned is Bachelor of Art in economics from Claremont McKenna and holds the CFA designation.

Amy Downey

Ms. Downey brings over 20 years of compliance and risk management experience with extensive knowledge in the mortgage lending industry. She has managed compliance programs within a variety of mortgage lending entities, large complex banking institutions and as the Director of Professional Services and Consulting for Wolters Kluwer Financial Services. Ms. Downey has excellent business acumen and awareness of industry trends.

Pete J. Heintz

Mr. Heintz has extensive and diverse experience in the mortgage and financial industry. He started his career on the due diligence business side with Clayton and Opus as the lead consultant and sales executive. Pete also held responsibilities as an Asset Manager for Credit Suisse and UBS managing credit and compliance. He was most recently a managing partner at SG Capital Partners heading operations and business development.

Amanda Roccia

Mrs. Roccia was recently head of Jumbo and Non-QM department at Movement Mortgage, where she spearheaded the development and execution of all Non-Agency programs. Under her guidance, she significantly expanded product offerings and launched Movement into being a major force in the private mortgage space. She has held various positions in the mortgage origination and credit risk management in her 25+ years of experience.

Jeff Vanderluit

Jeff Vanderluit began his career in lending in 1991 and has worked in correspondent, wholesale, and retail channels. Jeff has built agency aggregator models and non agency private label securitization models. He has a Bachelor of Science degree in Political Science from Northern Arizona University

Roy Pack

Mr. Pack started his career at Citigroup’s Salomon Smith Barney working on the treasury and agency bond desk. He has served as the lead banker at various financial institutions managing over $3 billion of debt and equity for infrastructure projects throughout the country. Roy holds a Bachelor of Science degree from University of Illinois and an MBA from John Hopkins University.

Sarah McDowell

Ms. McDowell leads eRESI’s Client Support Team. She brings over 20 years of mortgage banking experience in building strong Client Relationships and Training/Process Management. Prior to coming to eRESI, Sarah was instrumental in the success of Envoy and NewRez Correspondent Lending where she received extensive knowledge of Non-QM products and services.

Andrew Hafer

Mr. Hafer brings 20 years of experience leading the build-out of technology to support fast-paced complex businesses, and mortgage banking in particular. Mr. Hafer previously founded a software development company and led the product team at a mortgage technology startup. Mr. Hafer has a bachelor’s degree from Caltech

Aaron Donley

Mr. Donley most recently was Vice President at PennyMac responsible for all valuation analysis, and portfolio management. He led the development of various financial models and reporting systems for managing and acquiring billions of MSRs and whole loan portfolios. Aaron received his Masters in Financial Engineering at Claremont Graduate University and Bachelor of Science in Math at Cal Polytechnic College.

Ranju Rahil

Ms. Rahil has more than 20 years of experience in the mortgage banking industry. Much of her experience has spanned across multiple disciplines including mortgage originations, servicing, credit risk and regulatory compliance. Prior to joining eResi, Ms. Rahil spent 14 years at Morgan Stanley serving in different management capacities most notably credited for her role in the creation and management of the firm’s repurchase function which successfully defended the firm in savings of over $1 billion. Ms. Rahil holds a Bachelor of Arts from Florida Atlantic University.

Kenley Mui

Mr. Mui most recently was Senior Manager at CFGI in their Private Equity practice and assisted clients on post-acquisition accounting operations. Previously, he was an Assistant Controller at Fortress Investment in the Private Equity group where he primarily focused on accounting and treasury functions for its public company vehicle, Newcastle Investment Corp, which invested in commercial and residential real estate assets. Kenley has over 20 years of accounting experience and holds a bachelor’s degree from NYU.

Jose Varela

Jose is a recent addition to the Business Operations team. As a former Director of Operations for the largest privately-held teleconferencing company, he brings a wealth of technical knowledge and experience to the team. Jose is a graduate of California State University, Long Beach, and earned a Bachelors of Science in Business Administration-Finance.

John Cen

John works on the Business Operations team as an analyst, focusing on data management and reporting. Previously he worked in mortgage origination and processing. He graduated from California State University, Los Angeles with a degree in Business Administration with a focus on Finance.

Gideon Simon

Mr. Simon is a member of the Transaction Managment Team where he works closely with various institutional accounts on whole loan contracts and due diligence reviews. Prior to eRESI, he was responsible for overseeing credit risk reporting and management of whole loan acquisition at FirstKey Mortgage. Gideon holds a bachelor’s degree from Tulane University.

Juanita Thomas

Ms. Thomas has extensive experience in the mortgage industry with most recent role as Team Leader managing Operations and Workflow projects at NewRez. She oversaw lender training, setup, and application renewal. Juanita was also responsible for the development of a nationwide network of lenders for NonQM products.

eRESI Can Expand Your Funding

Innovative Loan Programs. Reliable Capital. Best in Class Service.

Our Locations

With locations on both coasts, we are always available for your business needs.




eRESI Mortgage
615 S. College Street, 10th Floor
Charlotte, NC 28202




eRESI Mortgage
21 Miller Alley, Suite 210
Pasadena, CA 91105

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