The Collingwood Group is a team of seasoned professionals who have been deeply engaged in business and financial management, domestic and international secondary markets, federal procurement, risk and loss management, mortgage origination and servicing, property management and disposition, technology development and marketing, capital markets and capital raising activities, and communications and public policy.

The range of the team’s experience is extraordinary.

Collingwood Executive Management

Washington DC Business Portrait for Collingwood

Tim Rood is the Chairman of The Collingwood Group, which he co-founded in 2009. Mr. Rood was co-founder and managing director of the firm’s predecessor company, Capital Financial Solutions. The Collingwood Group’s primary focus is in the financial services sector, and the firm offers advisory and consultative services combined with access to decision makers, financial sponsors, corporate boards, and senior industry executives.

Mr. Rood brings more than two decades of mortgage industry and entrepreneurial experience to The Collingwood Group. He advises organizations to optimize the business opportunities and to mitigate and manage the risks in and around Washington, DC. Mr. Rood is a sought after and regular contributor to various national media outlets including CNBC, Bloomberg Television, FOX Business News, Washington Post, New York Times, Wall Street Journal, and the American Banker.

Click here for most recent TV appearances and articles:

Brian Montgomery is Vice Chairman of The Collingwood Group, which he co-founded in 2009. From 2005 to mid-2009, Montgomery served as Assistant Secretary of the U.S. Department of Housing and Urban Development (HUD) and FHA Commissioner. He was responsible for the oversight and modernization of the insurance fund’s $600 billion portfolio, HUD’s regulatory responsibilities to the housing mission of the GSEs, and the manufactured housing industry. Montgomery came to HUD and FHA from the Executive Office of the President of the United States.


Brian O'Reilly is President of The Collingwood Group, which he co-founded in 2009. O’Reilly was co-founder and managing director of the firm’s predecessor, Capital Financial Solutions. Earlier he was Fannie Mae’s Director of Automated Underwriting and Risk Management Solutions, where he managed several customer-facing technologies and the development and launch of the company’s anti-fraud solution. Before joining Fannie Mae, O’Reilly served as Executive Vice President and General Counsel to Mortgage Capital Investors and practiced law with several international law firms.

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Thomas P. Cronin, CMB is Partner and Managing Director of The Collingwood Group. Most recently, he served as Senior Managing Director of Clayton Holdings, Inc., responsible for the areas of industry, corporate and government relations. Cronin has more than 35 years of mortgage banking experience. At Clayton Holdings, Cronin focused on the performance and oversight of mortgage products and securities focusing on benefiting investors, private issuers, mortgage servicers and all effected government sponsored enterprises and regulators. Prior to joining Clayton, Mr. Cronin was a managing member of Interactive Mortgage Advisors, LLC (IMA), a company he helped launch in 2001. Cronin also served as vice chairman at Matrix Bancorp.

For over twenty years, Cronin has held leadership posts with the Mortgage Banker’s Association (MBA), the country’s leading trade organization for the mortgage banking industry on whose Board of Directors and Residential Board of Governors he has served. Most recently he was named Fellow of the Society of Certified Mortgage Bankers. From 1999 to 2001, he served as vice president and treasurer for the MBA. Cronin was most recently a member of MBA’s Audit Committee.

Collingwood Managing Directors

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Tom Booker, III  is Managing Director of The Collingwood Group. Mr. Booker supports the firm’s Business Advisory and Development practice. He has 30 years of experience in securities, technology, product development, solution delivery and outsourcing. Prior to Joining Collingwood, Mr. Booker oversaw the marketing, delivery, policy and teaming activities which involve the Government Sponsored Entities for Corelogic.   Mr. Booker has served as an executive at Fannie Mae and a general Manager at the IBM Company during his career. He has a keen sense for where the markets, lenders, investors, analytics and technology meet to address the business realities and evolving demands of the real estate finance industry.

Justin Burch is Managing Director of The Collingwood Group leading the Federal Housing Practice. Prior to Collingwood, Burch led FHA’s quality assurance and counterparty risk management activities, including compliance evaluation of origination, underwriting, and servicing practices, lender examinations, and management of FHA’s Credit Watch Initiative. He was a member of the Joint Federal Housing Agency working group composed of leadership from the CFPB, Ginnie Mae, FHFA, FHA, the VA Loan Guaranty Service, and Rural Development. Burch also worked at Ginnie Mae, responsible for issuer performance evaluation and monitoring and was a principal architect of the HMBS reverse mortgage securitization program.

Mark DeGennaro is a Managing Director and the General Counsel of The Collingwood Group, which he joined in 2011. Mr. DeGennaro has over twenty-five years of legal and business experience on corporate transactions and complex commercial matters. At Collingwood, he advises the executive management team on a wide range of legal, business, regulatory and strategic issues in connection with the operation of the core business, client matters and strategic initiatives.

Prior to joining Collingwood, Mr. DeGennaro was with Gruppo Levey & Co., an investment banking firm located in New York, where he provided mergers and acquisitions advisory, capital raising and corporate restructuring advisory services to companies, private equity firms and other capital providers. Mr. DeGennaro held a number of positions during his tenure at GLC in both investment banking and in executive management, including Managing Director, Managing Partner, Head of the firm’s Restructuring Advisory Group and Chief Operating Officer.

Earlier in his career, Mr. DeGennaro was an attorney with White & Case, where he represented Fortune 500 corporations, lenders, financial sponsors and financial services companies in complex commercial litigation, corporate governance, securities and restructuring matters.

Karen Garner is Managing Director of The Collingwood Group, which she joined on January 1, 2012, following Collingwood’s acquisition of her firm, GWN Consulting.  Her areas of expertise include risk analysis, FHA lender approval, project management and lender monitoring, and she is adept at conducting training for a variety of private and public sectors, completing studies and writing technical reports based on her knowledge and experience.

Prior to founding GWN Consulting, Garner was a Partner and Project Director at Walker & Co., LLC, where she led the Government Services Practice.  The firm had contracts with the US Dept. of Housing & Urban Development (HUD) which included compliance reviews of FHA’s Single Family claims and Ginnie Mae (as a subcontractor), single family supplemental claims processing, the MIP call center and the FHA Lender Approval’s LASS contract. She also conducted research and prepared studies and procedures for USDA’s Rural Development Single Family Loan Guarantee Program.

Before joining Walker & Co., Garner was a federal government employee, serving 23 years at HUD where she held various management positions in the Quality Assurance Division and the Office of Lender Activities and Program Compliance, and was Director of the Lender Approval Division. During her public and private sector career she has planned and completed on-site compliance reviews covering loan origination, servicing, loss mitigation, claims and Ginnie Mae.  At HUD she also served as the Director of Loan Guarantee for the Office of Native American Programs.

John Garvin is Managing Director of Collingwood Multifamily Services. Prior to joining Collingwood, Garvin held various positions in the multifamily housing sector including Deputy Assistant Secretary of Multifamily Housing Programs at HUD/FHA, where he was responsible for FHA mortgage insurance loan origination; asset oversight and recapitalization of assisted properties; and the administration of Section 8 Project-Based Rental Assistance contracts. While at HUD he also served as Senior Advisor to the FHA Commissioner, providing policy advice focused on stabilizing credit markets, preserving healthy neighborhoods, and expanding fiscally responsible homeownership.

Garvin was the first Executive Director of the Texas Affiliation of Affordable Housing Providers (TAAHP), representing the interests of multifamily owners, developers, investors, lenders, tax credit synidcators, property managers, and public housing authorities. Prior to joining TAAHP, he served as the Director of Strategic Planning and Housing Resources for the Texas Department of Housing and Community Affairs. He earned a B.S. in Business Economics from Bentley University and an M.A. in Asian Studies from the University of Texas at Austin.

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Paul Mullings is is Managing Director of The Collingwood Group which he joined in 2015. Mullings supports the firm’s Business Advisory and Risk Management and Compliance practices. He has over 30 years of experience in mortgage banking. Prior to joining The Collingwood Group, Mullings served as Senior Vice President of Single Family Business at Freddie Mac where he provided strong and effective leadership during the unprecedented market and organizational upheavals. Earlier he was Senior Vice President, Manager Mortgage Finance for JP Morgan Chase. In that role Mullings re-established the multi-billion-dollar Private Label Mortgage-Backed Securitization Program and was responsible for the formalizing, strengthening and managing relationships with Government-Sponsored and Government Agencies to significantly improve profitability and streamline loan origination process.

Keith Pedigo is Managing Director of The Collingwood Group. Prior to joining the firm, Pedigo retired from a 38 year career with the Department of Veterans Affairs in 2009, having served the last 22 years of that career in senior executive positions in the Veterans Benefits Administration. Most of Pedigo’s VA career was devoted to the VA Home Loan Program where he served in various positions of responsibility, including 21 years as the National Director of the Loan Guaranty Service. During the last year and a half of his VA career he served as the Associate Deputy Under Secretary for Policy and Program Management in the Veterans Benefits Administration, where he had nationwide responsibility for policy and program management of VA’ benefit programs. Pedigo possesses broad technical knowledge of VA’s benefit programs, with significant knowledge of VA’s Home Loan Program and substantial expertise in the broader housing industry. During his VA career he was the recipient of two Presidential Rank Awards, two Department of Treasury awards for Distinction in Financial Management and the VA Secretary’s Exceptional Service Award. He is a graduate of Michigan State University and a veteran of the US Army.

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Ericka Bartsch is Director of The Collingwood Group.  Prior to joining Collingwood, Bartsch worked for Fannie Mae as the Vice President of the Single Family Credit Operations Division. In this role, she was responsible for leading the credit operations teams in mortgage insurance recoveries and servicer advanced recoveries with the mission to provide liquidity, stability, and affordability to US housing and mortgage markets. Earlier in her career at Fannie Mae, Bartsch held the role of Vice President of Single Family and Credit Finance. In this role, Bartsch assumed increasing levels of accountability as part of overseeing financial activities, including budgets and administrative expenses and assessing financial implications of various single family products. She built dashboards, oversaw various financial disclosures, and forecasted financial results used to manage business.

Collingwood Vice President

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Stephanie Schader is Vice President of The Collingwood Group.  Prior to joining Collingwood, Stephanie Schader has more than 20 years of experience in the housing finance industry, working in both the government and private sectors. She was the Program Development Manager in Ginnie Mae’s Office of Issuer & Portfolio Management and is responsible for MBS program policy and product enhancements; strategic alignment with partner agencies; and implementation of enterprise priorities. Her expertise includes policy and regulatory development, analysis, monitoring and the development of training and presentations related to policy updates and revisions. Prior to joining Ginnie Mae, Stephanie served in the Office of Single Family Program Development at FHA. Her private sector experience includes all phases of mortgage loan production including management of origination production, processing, compliance, licensing, underwriting, closing, shipping and servicing. Stephanie has a Master’s in Business Administration from Virginia Tech and a Bachelor of Arts degree in Economics from the University of Colorado

Managing Consultant

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Claressa Johnson is Managing Consultant of The Collingwood Group. Prior to joining Collingwood, Johnson served as the Compliance Manager for Freddie Mac. In this role, she was responsible for managing audits of mortgage servicers that participated in the Making Home Affordable (MHA) mortgage loan modification program, to validate compliance with Department of Treasury requirements. Earlier in her career, Johnson held various roles developing operational audit programs to ensure compliance with applicable regulations. Johnson holds a Masters of Science in Database Systems and Security.

Collingwood Advisors

Jeffrey Cravath is Senior Advisor to The Collingwood Group. In this role he is a key advisor on GSE matters, including business and regulatory issues, as well as potential directions for GSE reform. His primary responsibilities include Collingwood’s Risk Management, Vendor Management and Oversight, and Litigation Support Services practice areas. He is tasked with expanding the firm’s capabilities, as well as advising clients on risk management, compliance, crisis management, business development and strategic planning.

Mr. Cravath is a senior operational, strategic and legal leader, with a diverse career background in all aspects of mortgage finance and real estate development, including 18 years at Fannie Mae, as well as with private real estate and financial services consulting firms. He has extensive experience in creating and developing high functioning teams, setting the strategic direction of business and legal department units, and playing leadership roles in compliance, organizational design, governance, regulatory matters and providing strategic advice. He has extensive expertise handling high profile positions in crises management projects at Fannie Mae, including the company’s response to the sub-prime mortgage disaster, the restatement of its financials, and the Treasury’s Making Home Affordable program.