Bob Emerling

Mr. Emerling has over 40 years of management expertise in banking and mortgage lending with extensive experience in operations, regulatory compliance, servicing, and risk management.� Mr. Emerling previously served as the President of a national FHA Association and served as the speaker for Fannie Mae, the National Reverse Mortgage Lending Association (NRMLA) and the Mortgage Bankers Association (MBA).�Mr. Emerling has spent the last 7 years managing quality control, operations and servicing compliance within the forward and reverse mortgage lending industries. From 2005 to 2009, Mr. Emerling was responsible for developing and managing the compliance, risk and quality control systems for Financial Freedom Senior Lending Corporation.� At its peak, Financial Freedom was funding more than 4500 reverse mortgage loans per month of which Mr. Emerling was responsible for the FHA quality control audits, FHA insuring, regulatory compliance, servicing compliance, wiring detail and overall risk management.� He was also responsible for the oversight of any OTS, FDIC, FHA or other GSE audits.Since 2011, Mr. Emerling has worked as the Senior Vice President of Mortgage Operations at Silvergate Bank, a California state charted bank. He has oversight for the lending operations for both the forward and reverse mortgage departments. He also interfaces with the servicing departments for both forward and reverse mortgages.