About us.

There’s a way to do it better –Find it.

— Thomas Edison

Our People

  • John R. Lynch
    Founder and CEO
    PCMA Holdings, Inc
    NMLS # 236620

    John is the Founder and CEO of PCMA Holdings, Inc. and is responsible for providing senior leadership and strategic direction to PCMA’s mortgage lending, banking, and asset management businesses. What began as a linear venture has morphed into a vertical organization and industry leading incubator of ideas pushing the boundaries of innovation in the new era of credit, banking, and financial services for Private Client estates.

    Prior to founding PCMA, John Co-founded and grew Secured Funding Corporation into the nation’s largest privately held independent loan originator of subordinate lien financing and a category leader. Recognized as one of the industry’s top entrepreneurs and origination expert with a track record of growing some of the most respected companies in the financial services industry.

  • Aron P. Rofer, ESQ
    Managing Partner, President & General Counsel
    PCMA Holdings, Inc
    NMLS # 872302

    Aron is the General Counsel of the PCMA Companies and is responsible for all legal and compliance affairs. Aron oversees and advises on all mortgage compliance and legal matters for the PCMA organizations, including, business contracts, investor relations, warehouse facilities, secondary markets, employment matters and intellectual property. Aron has an impressive portfolio of success practicing in the fields of mortgage and real estate law, compliance, and litigation with expert knowledge in regulations pertaining to ECOA, TILA, RESPA, HOEPA, HMDA, FCRA, QM, ATR, SECTION 32 and other related laws. Recognized by his peers and awarded the coveted “Super Lawyer – Rising Star in Real Estate Law” in 2013, Aron has successfully litigated cases for major organizations and financial institutions such as KPMG, WAMU, Price Waterhouse Coopers, Morgan Stanley, and Merrill Lynch.

    Aron received his Juris Doctor from the University of Southern California, Gould School of Law (where he attended on academic scholarship) and his Bachelor of Arts in Political Science, Magna Cum Laude from the University of California, Los Angeles.

  • RON BLACK
    Chief Financial Officer
    PCMA Holdings, Inc

    Ron Black, Chief Financial Officer, is responsible for all aspects of PCMA Holdings, Inc’s financial actions, including its accounting, treasury, tax, corporate finance and investor and lender relations activities.

    Ron has held leadership roles that include a variety of executive positions within capital management, mortgage lending and financial services industries. Ron, previously served as the Chief Accounting Officer for Carnegie Mortgage LLC, a subsidiary of Grand Bank NA. Prior to Carnegie, Ron also served in the capacity of Chief Financial Officer responsible for Accounting, Treasury, Facilities and Information Systems for Town & Country Credit, a subsidiary of Ameriquest Financial and Encore Credit, a subsidiary of ECC Capital Corporation.

    Mr. Black is an experienced financial services executive with nearly 30 years of industry experience beginning his career at Deloitte. Mr. Black received his Bachelor of Arts degree in Accounting from Brigham Young University.

  • Matt Craybas
    Managing Partner, EVP, Production
    PCMA Private Client Lending
    NMLS # 335915

    Matthew Craybas, Managing Partner, EVP, of Production for PCMA Private Client Lending. He has over 25 years of experience in leading sales for retail and wholesale lending with proven track record of success. In his current position, Matthew oversees the Direct and In-Direct Consumer Lending operations including origination sales, business development, secondary execution, and credit review.

    Prior to joining PCMA, Matthew was Director of Retail Operations for DLJ Financial where he improved operational efficiency and profitability. Matthew also served as Director of Sales for Consumer Direct Retail at Secured Funding Corporation. Mr. Craybas received his Bachelor of Arts in Business Management from Keene State University.

  • Krista Tucker
    EVP, Enterprise Operations & Administration
    PCMA Holdings, Inc

    Krista Tucker, EVP, Enterprise Operations & Administration is responsible for enterprise operations, vendor management, employee experience, and serves as a strategic partner on enterprise-wide cross-functional initiatives. Krista has demonstrated expertise in her ability to efficiently manage major components of the enterprise along with the development of its administrative policies and practices.

    Prior to PCMA, Krista served as Chief Operating Officer at Avid Law Center and as Project Manager at Secured Funding where she relied on her extensive experience to plan and execute for each organization. Krista has acquired a wide range of skills that she has added to her career as well as her schooling at Mesa State University where she retained her bachelor’s degree in Business Management.

  • Irma Smith
    EVP, Credit Risk & Operations
    PCMA Private Client Lending

    Irma Smith, EVP, Credit Risk & Operations for PCMA Private Client Lending is responsible for and oversees direct production and its associated teams, including processing, underwriting, and closing. Irma has over 30 years of experience in residential lending, with extensive knowledge in the management of credit risk, credit underwriting, quality control policies and fraud prevention measures in super prime, private client lending.

    Irma’s ability to identify and implement exceptional improvements has enabled her to enhance every department or channel with which she has worked since she joined PCMA in 2019. She also has been instrumental in the development of key underwriting process improvements as well as with mentoring colleagues who have gone on to see continued success with the company. Irma has led both start-ups and expansion of existing mortgage operations and has held coveted industry positions such as President of Operations at Secured Funding Corporation, the nation’s largest privately held Home Equity Lender courted for acquisition by Capital One Financial Corporation.

  • Casey Turner
    EVP, Enterprise Risk & Operations
    PCMA Private Client Lending

    Casey Tuner, EVP, Enterprise Risk & Operations, is responsible for all aspects of PCMA Private Client Lending’s enterprise risk management. Her impressive track record and depth of experience in operational risk management and compliance is crucial to PCMA’s ongoing commitment to establishing new products, new services, and advancing our deep commitment to the private client experience.

    Most recently, Casey served as Director of Compliance for LoanSnap, Inc., a venture funded, fintech mortgage origination platform, advising on operational compliance, staff training, process design, and risk management frameworks. Previously, she held the position of Director of Operations for DLJ Financial, and has served as member on Asset Liability, Enterprise Risk, and Business Strategy Committees. Casey holds a Bachelor of Science Degree in Science from the University of Nevada at Las Vegas.

  • John Tait
    EVP, Direct Lending
    PCMA Private Client Lending

    John Tait, EVP, Direct Lending is responsible for leading the firm’s consumer direct lending team, providing oversight and guidance for all Private Client Certified Mortgage Advisors and emerging advisors. John has nearly 2 decades of noteworthy experience in mortgage banking, wealth management, and capital markets.

    In his previous roles, John founded and served as CEO of Coastal Mortgage, a mortgage banking firm that specialized in Direct-to-Consumer lending for High-Net-Worth estates. John also served as a FINRA and SEC registered Financial Advisor at Morgan Stanley Wealth Management, with a focus on asset allocation and portfolio management for Ultra-High-Net-Worth clients. He also served as mortgage advisor in Ultra-High-Net-Worth credit markets for private clients within Morgan Stanley’s Private Bank.

  • Jason Jepson
    EVP, Marketing & Communications
    PCMA Holdings, Inc

    Jason Jepson, EVP, Marketing & Communications is responsible for all aspects corporate communications, strategic communications planning, media relations, social media outreach, reputation management, and employee communications.

    Prior to joining PCMA, Jason served as a managing partner for the Experience Firm. Jason also served as CMO for Wild Tonic, SVP at Mota and Vice President at Treble Public Relations. Jason has led communications on two separate billion-dollar acquisitions. Mr. Jepson is an industry veteran with over 20 years of experience in all facets of corporate and crisis communications, marketing, public relations, and corporate strategy. Mr. Jepson received his BS in Communications from Vanguard University.

  • Rick Cortez
    EVP, Learning & Development
    PCMA Holdings, Inc

    Rick Cortez, EVP, Learning & Development is responsible for all aspects of workplace learning and development solutions to achieve strategic business objectives. Rick is an accomplished learning and development leader in the financial services industry. Rick is a skilled leader in team building, instructional design, and coaching, with a proven ability to successfully deploy proprietary certification platforms in private client wealth management and private banking.

    Prior to joining PCMA, Rick served as the Vice President, Sr. Field Training at Morgan Stanley Wealth Management. An experienced executive with the ability to identify sales training opportunities, build relationships between business divisions, and convert strategic initiatives with leadership teams and stakeholders.

  • Joe McKnight
    COO, Head of Corporate Development
    PCMA Capital Advisors

    Joe McKnight, COO, Head of Corporate Development is responsible for overseeing the firm’s compliance, operations, and risk management programs. His primary responsibilities include helping develop and implement the firm’s strategic growth plan, executive oversight of enterprise growth initiatives, including new business expansion, mergers and acquisitions and business development.

    Joe brings many years of experience as a partner and advisor to growing vertically integrated asset management firms. In 2006, he joined ECC Capital Corporation, a publicly traded C-Corp (previously a REIT) that invests in residential mortgage loans as Director of Legal, Executive Vice President where he developed and managed innovative investment structures designed to maximize investment value, and managed all regulatory compliance, licensing, and litigation. Additionally, he managed ECC’s mortgage-backed securitizations and servicing related to those securitizations. Joe has served as an active partner to a variety of asset managers during his career, providing legal and operational guidance to enhance market opportunities, business growth, corporate best practices, and strategic direction.

    Since 2015, Joe has served as Co-Chair for the Special Olympics’ annual gala the Heart of a Champion. He’s a current executive board member of Age Well Senior Services providing critical services, resources, and programs to seniors living in South Orange County. Joe attended Gonzaga School of Law receiving his Juris Doctorate in 2006, B.S. in Philosophy from California State University Fullerton, and Harvard Business School Executive Education.

  • Steven Kirchner
    Partner, Managing Director, Institutional Business Development
    PCMA Capital Advisors

    Steven Kirchner, Partner, Managing Director, Institutional Business Development is responsible for leading efforts in institutional business development, serving the investment, portfolio management, and capital markets needs of institutional clients and delivering investment capabilities across the PCMA investment platform. Steven has in depth experience in structured finance, asset management, investment banking, capital markets, and corporate development.

    Steven previously served as Managing Director for EXOS Capital. He has overseen the build out of several distinctive and technology driven businesses in construction lending; SPAC trading, underwriting, and creative balance sheet solutions while at EXOS. Steven began his career at RBS/Greenwich Capital as managing director of the structured products desk focused on mortgage-backed securities, CMBS, ABS and Capital Markets. Steven is a strong business development professional with a Bachelor of Business Administration – BBA focused in international Business/Trade/Commerce from Hobart and William Smith Colleges.

  • Thien Nguyen
    Managing Director, Senior Portfolio Manager
    PCMA Capital Advisors

    Thien Nguyen, Managing Director, Senior Portfolio Manager is responsible for the structuring and management of our income and credit access vehicle through our proprietary structured participation offering for syndicate investors.

    His tenure as a structured finance professional is impressive with over 20 years of experience in trading, securitization, portfolio management, business, and infrastructure development. His daily focus is on building and managing strategies within the residential mortgage-backed securities market as well as managing the interest rate and credit risk exposure across the PCMA enterprises.

    Thien began his capital markets career in 1997 and has investment experience across multiple sectors of the fixed income market. Prior to joining PCMA, he was Vice President of RMBS & ABS Investment at Cerberus where he led the group responsible for developing the fixed income mortgage investment and valuation platform. The investment opportunities, in cash and synthetic securities, included ABX, CDS, whole loans, ABS, RMBS, SIVs, ABCPs and CDOs. Other notable positions include Senior RMBS Portfolio Manager at Redwood Trust, and Vice President of Trading at Falcon Bridge Capital (Carlyle Fixed Income Group).

  • Jim Yeom
    Creative Director, Chief Marketing Officer
    PCMA Holdings, Inc

    Jim Yeom, Creative Director, Chief Marketing Officer is responsible for all creative direction, brand development, copywriting, and digital experiences for all PCMA companies.

    Jim has been defining and developing brand experiences for both clients and agencies for the better part of two decades. He brings a wealth of creative experience to PCMA from his time at Ernst & Young, Capgemini, Saatchi & Saatchi, JWT, Siegel+Gale, ING Financial, and McCann. Projects have included the launch of Microsoft’s Visual Studio, leading design for Toyota Motors Interactive and Infiniti Motors Interactive, and brand identity work for UCLA/Simms Mann Oncology Center and Toyota Corporation.