Benjamin Pemberton joined Churchill Stateside Group as an Analyst and now serves as Underwriter. Mr. Pemberton is responsible for preparing and maintaining underwriting models, as well as assisting with risk analysis of potential debt and equity investments with finance structures utilizing tax credits and various government and conventional loan programs.

Mr. Pemberton graduated from the University of South Florida St. Petersburg with a Bachelor of Science degree in Business Economics and Finance.

Mrs. Thornton is a Vice President at CSG and supports the underwriting team through the organization of various due diligence and the processing of transactions through HUD, USDA Section 538 and other lending sources. Chris brings more than 25 years of administrative and loan processing expertise from positions in the institutional and private investment management and commercial real estate finance industries. While with The Midland Companies, she held various positions in underwriting and focused on the loan delivery processes to Fannie Mae, Freddie Mac and other secondary market sources. During that time, Chris participated on a team that managed the packaging and delivery of loans totaling $2.3 billion. Chris’ prior employers also include AEGON USA, Inc., MetLife and Ameriprise Financial.

Mrs. Carl joined CSG as a Loan Servicing Administrator, previoulsy her role at CSG was Accounting Operations Manager with an array of Accounting experience. She graduated with honors in 2017 from Southeastern Oklahoma State University with a Bachelor’s degree in Accounting. She worked with the Choctaw Nation of Oklahoma, a native Indian tribe, focusing government contracting. Dana handles the Accounts Receivables, Accounts Payables and multiple tasks within the Accounting Department. Dana is hoping to complete her fifth year of Accounting in pursuit of her CPA License.

Mr. Carr has over 25 years’ experience as a senior financial manager focused almost exclusively on tax structured investments. He most recently was a Principal and CFO of Hunter Chase & Company, a real estate private equity company. Mr. Carr had primary responsibility for Hunter Chase’s New Markets Tax Credit Program, where he was responsible for raising and managing $134 Million in NMTC structured investments. Prior to joining Hunter Chase, Mr. Carr was the COO for Key Housing Capital’s (“KHC”) Tax Advantaged Equity Group. Mr. Carr had direct responsibility for syndicating, structuring and negotiating in excess of $1 Billion in Low Income Housing Tax Credit investments. Prior to joining Key, Mr. Carr was a partner at The Boston Financial Group, a national LIHTC syndicator, acting as controller for the Property Management division. Mr. Carr also has held the role of CFO for Eardish Corporation, music based social network located in Studio City, CA. Mr. Carr is a retired CPA, having started his career at Ernst & Whinney, leaving as a Tax Manager. He graduated with honors from the University of Massachusetts, Amherst with Bachelors Degree in Business Administration.

Ms. Friend serves as CSG’s Vice President, Loan Servicing and is a seasoned, results-oriented professional who brings more than 30 years of commercial real estate finance and banking experience to the team. She has previously held positions as a real estate paralegal and served as Vice President of Construction and Permanent Loan Servicing with MMA Financial. As Vice President at MMA, she was responsible for successfully managing a team whose portfolio was comprised of over 900+ loans valued at over $5 billion. She has experience in multi-family tax-exempt and credit-enhanced Bond loan servicing, taxable construction and permanent loan servicing, commercial and residential loan closings and Low Income Housing Tax Credit asset management.

Mr. Ward is Vice President, Investor Relations of Churchill Stateside Securities. He is primarily focused on the development and maintenance of relationships with institutional investors in the renewable energy tax credit market. Mr. Ward works directly with Mr. Switzer in sourcing, structuring and tailoring renewable energy tax credit projects for potential investors. Mr. Ward was born and raised in Melbourne, Australia. He began his career as an attorney at global law firm, Minter Ellison, where he specialized in property development matters. He transitioned into the investment banking industry in 2015 when he moved to the United States. Mr. Ward was a Director of the Carreden Group from 2016 – 2018 where he was responsible for bringing new investors into the renewable energy tax credit market. Mr. Ward graduated from the University of Melbourne and holds a Bachelor of Law and a Bachelor of Property & Construction. In addition, he maintains Series 7 & Series 63 securities licenses in the United States.

Mr. Switzer is Senior Vice President of Churchill Stateside Securities. He specializes in tailoring offerings to market segments such as insurance companies and physician groups. Mr. Switzer has throughout his career been a developer of and investor in market leading innovations in the financial services and other industries.Within the financial industry, Mr. Switzer was a Senior Vice President at the Robinson Humphrey Co. who specialized in the distribution of high growth southeastern securities to institutional and high net worth individual clients. Earlier in his career he was a cash management officer at the First National Bank of Atlanta and, and he was also a Senior Vice President at Oppenheimer & Co. Mr. Switzer also has been prominent in the development of new industries outside of Financial Services. Mr. Switzer was one of the initial drivers of the competitive telephone industry with his founding of National Telephone Services, which was one of the fastest growing companies in that industry, reaching $80 million in revenues in three years. He was also the founder of the Consumer Financial Network, the first competitive insurance marketplace on the internet with over one million employee subscribers.

Mr. Gloeckl began his career in the insurance industry with American General Life & Casualty in Pittsburgh, Pennsylvania. In 1974, Mr. Gloeckl formed Burne & Gloeckl Insurance Agency and grew the firm into a successful enterprise, which he sold in 1984. At that time, Mr. Gloeckl accepted a position as a Commercial Mortgage Banker with Midland Mortgage Investment Corporation, a company that originated multifamily construction loans throughout the United States. During the 1980’s the company grew significantly.

In 1988, Mr. Gloeckl and two associates purchased the company and created a group of companies that became known as The Midland Companies. The companies specialized in construction, permanent and equity financing for conventional and affordable multifamily apartment complexes nationwide with an emphasis on tax credit properties. During this time, Mr. Gloeckl served as President and Chief Operating Officer of the organization, which grew to over 150 employees in 7 offices across the country. In addition to Midland’s long standing relationships with large municipal pension funds, Midland became a Fannie Mae DUS Lender and FHA/MAP underwriter which broadened the investment base options for its clients.

In 1999, Mr. Gloeckl and his associates sold The Midland Companies to MuniMae (NYSE:MMA), and the company became known later as MMA Financial. Mr. Gloeckl continued to serve the company and its clients as Chief Investment Officer and a member of Senior Management Committee. During his tenure with MMA, Mr. Gloeckl was responsible for a range of functions across all debt and equity product types for all real estate finance business, as well as the supervision of Production, Underwriting, Closing, Secondary Markets, Tax Credit Origination, and various product development and management initiatives. Mr. Gloeckl also served as Trustee of the MMA Affordable Housing Group Trust and the MMA Multifamily REIT where he worked with various pension fund groups and proprietary funds.

Mr. Gloeckl departed MMA Financial in 2005 and founded Churchill Financial which eventually became known as Churchill Stateside Group (CSG). The company initially focused on Multifamily Affordable Housing Finance and added Renewable Energy Finance providing both debt and equity for both business lines. Mr. Gloeckl serves as Chief Executive Officer. Since the formation of Churchill the company has grown to become a HUD MAP Lender, RD 538, Ginnie Mae Seller/Servicer, Construction Lender, Bond Underwriter and provides Equity & Debt products for the Commercial Solar Renewable Energy sector.

Since 1992 Mr. Gloeckl has been instrumental in the syndication of more than $1 billion of federal low income housing tax credits. Mr. Gloeckl is a member of the Mortgage Bankers Association of America. Mr. Gloeckl has served as an officer for organizations such as Council for Affordable and Rural Housing, the Florida Council for Affordable and Rural Housing and is a member of various industry organizations. Mr. Gloeckl is a graduate of Walsh University and has served on its Board of Directors.

Ms. Steele is a FHA Loan Processor at CSG. She provides support with the closing of debt and equity transactions involving tax credit investments and multi-family affordable housing. She is responsible for the due diligence, borrower communications, committee presentations and processing governmental applications through USDA Section 538 and other lending sources.

Ms. Steele joined Churchill Stateside Group as an Investment Assistant and quickly proved her value. Her skills allow her to provide dependable support to senior level managers to meet required transaction deadlines.

Ms. Carroll serves as CSG’s Vice President, Loan Servicing and brings more than 25 years of mortgage banking experience to the team. She began her career with MMA Financial/The Midland Companies as a Loan Closing Coordinator. Ms. Carroll was responsible for processing monthly construction draws, preparing loan documents for investors and coordinating wire transfers.

During her 20 year tenure with MMA/Midland, Ms. Carroll served as Vice President of the Loan Administration Department and as Vice President/Closing Support Manager. As part of her responsibilities, she developed and implemented loan closing policies, procedures and processing manuals, and met daily deadlines for processing millions of dollars in construction loans and tax credit equity installments.

Mrs. Pemberton is a Senior Vice President at CSG and provides support to the team through the effective organization of various due diligence requirements and the processing of loans through HUD, USDA Section 538 and other lending sources.

Lois brings to the team more than 20 years of commercial real estate finance and banking experience and has previously held positions in Credit, Underwriting and Commercial Banking. After roles in commercial banking, she joined the Midland Companies where she held various positions in underwriting and loan delivery management. As Vice President at Midland, she was instrumental in the implementation of the loan delivery processes to Fannie Mae, Freddie Mac and other secondary market sources. Throughout her career, Lois has been responsible for the successful packaging and delivery of loans totaling $2.3 billion.

Lois has extensive experience as a liaison between lenders, borrowers, legal counsels, title agents, and various parties to ensure the successful funding for many types of transactions.

Mr. Peppert, Vice President, Human Resources for Churchill Stateside Group, is based in the Clearwater, FL. Mr. Peppert is responsible for all operational Human Resources requirements, as well as assessing and establishing policies and procedures to guarantee the company is compliant and incorporating the latest developments and trends. As CSG’s Chief Human Resource Officer, Phil is working to accelerate the company’s transformation through leadership, attracting and developing the best talent and building a culture of engagement and innovation.

Mr. Peppert is a military veteran with 17 years of service in the British Royal Air Force. During his tenure, he was trained as a Human Resources specialist, was involved in global operations and held high profile positions, including NATO Command in Central Europe and the British Embassy in Washington DC.

After retiring from the British Royal Air Force in 2008, Mr. Peppert transitioned to an administrative position with the Perioperative Department of Georgetown University Hospital. In 2015 he accepted a Human Resources position with Capital Novus, a global eDiscovery software company based in Fairfax, VA.

Prior to accepting enlisting in the British Royal Air Force, Mr. Peppert attended Teesside University in the United Kingdom, studying a course in International Business Information Technology.

Ms. Gloeckl serves as CSG’s facilities Project Designer and Project Manager as well as providing Executive Administrative Support to the CEO. Ms. Gloeckl brings extensive expertise in various professional functions and also plays a key role in coordinating conferences and marketing requirements.

Ms. Gloeckl has over 25 years’ experience in Interior Design, Residential Construction, Project Management, Sales and Office management. She holds a BA degree in Interior Design from International Academy of Design and Technology and an AS degree in Computer Programming from St. Petersburg College.

Skip Santos is an FHA Underwriter and will focus on underwriting Multifamily loans to be processed through the HUD MAP Program.

Mr. Santos began his banking career at Hibernia National Bank in 1989 in Credit Analysis where he received formal credit training. As a commercial lender he specialized in Mortgage Warehouse and Commercial Real Estate. During 2000, Mr. Santos became the bank’s chief originator for a partnership between Hibernia National Bank and Standard Mortgage of New Orleans focusing on the origination of multifamily loans to be placed in the permanent market through FNMA and conduits.

Since 2001, Mr. Santos has concentrated on multifamily loan requests processed through the HUD MAP Program with responsibilities including origination, underwriting, and issuance of GNMA securities. His experience in multifamily lending include: Historic Tax Credits, LIHTC, affordable, market rate, and healthcare properties.

Mr. Santos received his B.S in Accounting from Louisiana Tech University and an M.B.A from Loyola University.

As a Senior Underwriter, Victoria is responsible for the risk analysis of potential debt and equity investments with finance structures utilizing tax credits and various government and conventional loan programs.

She brings over 25 years of commercial real estate experience, with an emphasis on feasibility analysis, multi-family development and project finance. Prior to joining Churchill Stateside Group, Victoria was an executive at Meta Housing Corporation, an affordable housing developer based in Southern California. While there, she financed and coordinated the development of over 400 senior housing units utilizing allocations of low-income housing tax credits, tax-exempt bonds, and conventional financing. Earlier in her career she was in charge of acquisitions and finance for a commercial real estate developer and a financial analyst for a national real estate syndicator.

Victoria attended Pepperdine University and Mount St. Mary’s University in Los Angeles, graduating Magna Cum Laude with a Bachelor of Science degree in Business.