Theresa is an associate director at Sandler O’Neill Mortgage Finance L.P. Her experience within the mortgage industry spans 18 years in a variety of roles. Prior to joining Sandler O’Neill Mortgage Finance as an analyst in February 2001, she was employed with First Tennessee Capital Assets, Univest Financial Services and Financial Federal Savings Bank. Theresa is responsible for analyzing data provided by clients for securitizations and potential whole loan sales of various loan products including first mortgages, second mortgages, HELOCs, auto loans, commercial and multifamily mortgages, A&L analysis, FAS 140 valuations, FAS 107 valuations, M&A valuations, capital raisings, balance sheet analysis and servicing sales. She received a Bachelor of Business Administration degree in finance and real estate from the University of Memphis. In addition to Vital Ground, Theresa is currently a member of the Association of Certified Fraud Examiners and Mensa.