About us.

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

— Thomas Edison

Our People

  • John R. Lynch
    Founder and CEO
    NMLS # 236620

    Prior to founding PCMA, Mr. Lynch Co-founded and grew Secured Funding Corporation into the country’s #1 largest privately held independent loan originator of subordinate lien financing and a category leader. He is recognized as a serial entrepreneur and origination expert with a passion for building disruptive companies and a track record of growing some of the most respected companies in the financial services industry. He played vital leadership role in several high-level M&A and strategic partnership negotiations with such major organizations as Capital One, HSBC, Merrill Lynch, New Century and other notable supporting firms.

  • Aron P. Rofer, ESQ
    President and General Counsel
    NMLS # 872302

    Mr. Rofer has over a 14 year 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, Mr. Rofer has successfully litigated cases for major organizations and financial institutions such as KPMG, WAMU, PricewaterhouseCoopers, Morgan Stanley and Merrill Lynch. Mr. Rofer received his Juris Doctor from the University of Southern California, Gould School of Law and Bachelor of Arts in Political Science, Magna Cum Laude from the University of California, Los Angeles.

    Chief Financial Officer

    Mr. Black served as the Chief Accounting Officer for Carnegie Mortgage LLC, a subsidiary of Grand Bank NA. Prior to Carnegie, Mr. Black 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 Bringham Young University.

  • Matt Craybas
    VP of Direct Channel Division
    NMLS # 335915

    In his current position, Mr. Craybas oversees the Direct to Consumer Lending operations including origination sales, underwriting, funding and post-closing operations. Prior to joining PCMA, Mr. Craybas was Director of Retail Operations for DLJ Financial where he improved operational efficiency and profitability. Mr. Craybas also served as Director of Sales for Consumer Direct Retail at Secured Funding Corporation. Mr. Craybas received his Bachelors of Arts in Business Management from Keene State University.

  • Irma Smith
    VP of Channel Operations

    Smith is an industry recognized Senior Executive and results-oriented leader with vast experience managing all divisions of both direct and indirect channel mortgage banking operations. Smith 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.

  • John Tait
    VP of Direct Channel Originations

    Mr. Tait has nearly 2 decades of noteworthy experience in mortgage banking, wealth management and capital markets. Mr. Tait served as CEO of Coastal Mortgage, Inc., specializing in Non-Agency Lending and directly oversaw the operation and management of the firms Ultra-High Net Worth portfolio lending programs. Mr. Tait also served as a FINRA and SEC registered Financial Advisor at Morgan Stanley Wealth Management, where he specialized in portfolio management and asset allocation for Ultra-High Net Worth clients and worked through Morgan Stanley’s private bank to facilitate mortgage loans for Private Clients in the Ultra-High Net Worth credit markets.

  • Krista Tucker
    VP of Corporate Operations

    In her current position as VP of Corporate Development, Ms. Tucker is responsible for the implementation of PCMA’s corporate initiatives. Ms. Tucker has demonstrated her expertise in the ability to efficiently manage major components of the business by helping the company develop its practices and policies. She also maintains and manages the organizations accounting principles and records as well as overseas the organizations human resources practices.

    Prior to PCMA, Ms. Tucker served as part of the Executive Management Team at Avid Law Center as well as Secured Funding where she relied on her extensive experience to plan and accomplish goals for the each organization. Krista comes to us with 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.

  • Rick Cortez
    VP of Learning and Development

    Mr. Cortez is an accomplished learning and development leader in the Financial Services industry with a proven ability to launch and manage platforms in wealth management, human capital, and mortgage banking. Prior to joining PCMA, Mr. Cortez served as the Assistant 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.

  • Jason Jepson
    VP of Communications

    Prior to joining PCMA, Mr. Jepson served as a managing partner for the Experience Firm. Mr. Jepson also served as CMO for Wild Tonic, SVP at Mota and Vice President at Treble Public Relations. Mr Jepson 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.

  • Jim Yeom
    Chief Marketing Officer

    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 and Toyota Corporation.