Our Experts

Wayne Thompson entered the mortgage business in 1973 while still in college. During his first 4 years he worked in collections, serviced commercial loans, and also supervised all servicing activities. In 1977 he started originating residential loans with a peak year of personal production totaling 702 loans. In 1987 Wayne was hired by a large regional bank to start and run their local mortgage operation. In the third year his branch was first in production and second in profitability out of 102 branches. In 1991 he started his own company which he ran successfully for 19 years at which time he decided to pursue some consulting opportunities while still originating loans for a local lender.Currently Wayne's consulting work has mainly been focused in three areas:

1) Helping depository institutions expand their mortgage operation by adding new products such as FHA, VA, RHS, state housing agency lending, and reverse mortgages

2) Helping existing mortgage operations grow their origination volume through the development of affinity programs with employers and organizations, attracting more builder and Realtor referrals, and by creating focused consumer direct marketing.

3) Wayne also does a lot of FHA condominium approvals mainly for developers and existing HOA's.

Wayne earned his Certified Mortgage Banker (CMB) designation in 2004. He is also a Certified Senior Advisor (CSA). In addition Wayne has been honored on the national level by the MBA of America and on the state level by the MBA of Kentucky.

Deanea Wells began her mortgage career in 1992 as a mortgage loan processor for a community bank in Glasgow, KY. Within 5 years, she was promoted to the underwriter for the secondary market operation.

In 2002, she accepted a position as VP of Mortgage Lending for a community bank overseeing secondary market origination, processing, and underwriting functions as well as maintaining a servicing portfolio.

In 2013, she began underwriting conventional and government loans for an area community bank.

Her 25 years of experience affords her a vast knowledge of community banking and the obstacles that present today for community banks. Underwriting has always been her passion and is today her primary focus.

She holds a Bachelor of Arts degree from Western Kentucky University.

Greg has over 23 years combined experience in mortgage banking and risk management technology. As a mortgage banker, he was responsible for loan pricing, execution analysis, trading, loan delivery and investor relations. In 1999, Greg founded Precision Risk Management Systems (PRMS) which provided a robust platform for pipeline risk management and execution analysis. Greg studied aerospace engineering at Louisiana Tech University and graduated with a bachelor degree in finance from the University of Arkansas at Little Rock.

Red Carter worked for national real estate firms for 8 years as a paralegal then underwriter. The firms were for-profit and not-for-profit and vertically integrated as project developers, leasing agents and managers of both commercial and residential real estate.

Beginning in the early 1990s, Red gained experience in the IRC Section 42, Section 202 and historic tax credit arenas. By 2000, she had worked as an originator and/or underwriter for Banc One Capital syndicated funds, Key Community Development Corp and National Affordable Housing Trust.

Since 2001, Red's focus has been on credit, operations and risk management for community bank portfolios of residential, agriculture and commercial lines. This work has included loan underwriting, construction draw & appraisal reviews, initial dual risk rating of previously unrated portfolios, establishing loan review methodology, and conducting portfolio scrubs for technical exceptions and missing documentation. Risk admin experience involved the use of Excel modeling for ALLL migration analysis, loan portfolio data mining and creation of credit application forms.

Red has a BA from Ohio State and MBA from Rollins College. Since her MBA she's attended a number of continuing education courses including Urban Land Institute's Real Estate Finance School and RMA's Farm & Ranch Lending school.