We strive to work with our clients and treat them as partners. Our process relies on meeting them in person in their offices. In order to succeed we need to see the process in action, meet the people who are contributing to the process, and see the tools that are being used. Some consultants tell you what to do and then love to analyze/critique how you do it. We take it a step further, roll up our sleeves and do it with you. Our goal is to understand your business model, provide insight based on our experiences, and hopefully have the opportunity to work with you to implement our suggestions.
Our years of experience have taught us that there is no substitute for hard work and dedication. Our mortgage consulting group works closely with yours to ensure we bring your company to the next level.
Frank Fiore - President
Frank began his career on the streets of Wall Street. During this 10 year period at Nomura Securities, Lehman Brothers, and Morgan Stanley, he gained an appreciation for the balance between the services needed by front office production units and the support needed from the operations teams. He has managed this balance successfully throughout his career which has aided him through all the companies he worked for.
He entered into the mortgage space in 1998 and has had the benefit of seeing multiple industry cycles. During his 15 year period at Premium Capital Funding Frank was responsible for all facets of the Operations. Over the years, he filled multiple roles such as C.F.O. and Head of Secondary which were built and then turned over to others as the company grew. He managed multiple projects including building a proprietary pipeline management system, converted the company to Encompass, managed all branch office openings.
The matchbox idea was born with the idea that he, John, and Jonathan could create a consulting and advisory firm that would not just advise companies but work with them in implementing improvements on the operational side that resulted in increased profitability. Its goal is simple. It is to utilize its prior experiences ( both positive and negative) to aid Mortgage Bankers with their current business model and increase their results while helping avoid mistakes in the process. Since inception, matchbox has had a number of successful engagements and has assisted many companies in achieving their goals. In addition to Frank who is the President, matchbox employs Jonathan Yosha who is Vice President of the Capital Markets division and John Clerkin, who is Vice President of the Technology division.
Frank likes to complete (not to be confused with compete) triathlons as he enjoys the diversity of the three distinct challenges. He is married with four children who all keep him very busy when not matching clients.
Jonathan Yosha - Vice President
Jonathan Yosha is a Vice President at matchbox LLC and is responsible for managing its Capital Markets Division, as well as consulting on all things Secondary. He has 10+ years of mortgage banking experience and while his core focus is in secondary marketing, he also has the unique ability to see how back end procedures and decision making impact every step of the origination process. Jonathan has worked with dozens of mortgage and community bankers to increase their gain on sale through operational, hedging, and lock desk efficiencies along with proactive margin, pipeline management and oversight. He has built lock desks, converted broker to bankers, and implemented strategies and workflow to delivery to the agencies, create GinnieMae securities and effectively work with subservicers.
He continues to actively learn and proactively react to industry changes such as loan officer compensation and compare ratio analytics.
When Jonathan is not literally tied to his desk, he is usually traveling to exotic locales, looking for the next adventure. He lives in downtown Manhattan, NY with his wife and newborn daughter.
John Clerkin - Vice President of Technology Development
Starting his career on Wall Street, John's focus has been on achieving efficiencies through the use of Technology. After his 3 year stint on Wall Street, John entered the Mortgage industry as a Loan Originator. It was during this time that he really learned the intricacies of the mortgage process and first hand saw the need for technology improvements. He taught himself how to better incorporate technology into the mortgage process. Due to his unique ability to merge the user's needs to real life applications, he was asked to become a full time developer for his Mortgage Company. He managed the development and implementation process for a 700 user Encompass implementation. Since coming to matchbox, John has benefitted from seeing multiple business models in action and has seen various levels of use of technology within them. Many of the operational inefficiencies that are seen can be addressed through the right use of technology. John specializes in finding the areas and then putting the technical processes in place to help matchbox clients realize gains in multiple areas. He has extensive knowledge of the Encompass 360 system which has been gained through multiple engagements.
His developments have streamlined processes & efforts resulting in a superior business model for matchbox clients. John is married and resides in Long Island.
Veronica Arnett - Assistant Vice President
Veronica brings nine years of mortgage origination experience and a vast background in systems implementation/administration, secondary marketing, project management and training to mortgage banking clients. She is well rounded and has very strong written, verbal and presentation skills add to the value she provides to all clients.
Being a former Encompass administrator and Secondary Manager, she possesses all the qualities that matchbox clients need. Veronica is dedicated to the Encompass team and manages multiple projects while also assisting in providing on site client support and training.
Her experiences include implementation of loan origination system, product and pricing engine, all automated underwriting systems, and investor web interfaces. Designed and implemented Secondary Marketing execution as well as new branch launch processes.
Julia Lambert - Financial Analyst
Julia is the newest member of the matchbox team and is working on the technology team. She is responsible for initial client intake and supporting client inquiries throughout engagements. Julia has an accounting degree from Syracuse University and is utilizing her financial background on her technology projects.