Small company, big ideas.

Memphis Capital is a boutique firm that advises institutional investors and builds custom balance sheet solutions. We help Banks, Credit Unions and other financial institutions with optimization and long-term strategic needs.

Small company, big ideas.

Memphis Capital is a boutique firm that advises institutional investors and builds custom balance sheet solutions. We help Banks, Credit Unions and other financial institutions with optimization and long-term strategic needs.

Our Team

We are a dynamic group of professionals with diverse backgrounds in banking & finance, united by our passion for the whole loan sector. With extensive expertise in loan origination, credit buckets, and a deep understanding of capital markets, our team is committed to delivering exceptional financial solutions and fostering growth in the Memphis community. Together, we strive to provide personalized service, drive meaningful impact, and create lasting relationships with our clients.

Joel Banes

CEO

Stephen Bone

Managing Director, Whole Loan Trading

John Hirt

Managing Director, Financial Strategies

Matt Monaco

Partner

Brian Swanson

Chief Operating Officer

Jennifer Coltharp

Director of Lender Relations

John Wade

Product Specialist - SBA

Madeleine Lewis

Lender Relations Associate

Marie Fitts

Financial Strategist

Ben Garvin

Financial Strategist

Casey Goodwin

Financial Strategist

Matt Ihrke

FRM, Financial Strategist

Alston Meeks

Financial Strategist

Lee Olswanger

Financial Strategist

Mario Ovelar

Financial Strategist

Jack Paratore

Financial Strategist

Steven Shelton

Financial Strategist

Paul G. Smith

Financial Strategist

Scott Soltau

Senior Strategist

Sam Wilson

Financial Strategist

Carl Moerbe, CFA

Managing Director, Chief Strategist

Jacob Munsell

Strategist Analyst

Hailey Atwill-Layrock

SBA Trader

Maddy Danziger

Vice President, Whole Loan Trading

Jack Ihrke

Financial Analyst, Whole Loan Trading

Jim Tait

Managing Director, Mortgage-Backed Securities

Kevin Bentley

Director of Compliance

Denice Susen

Director of Operations

Margaret Echols

SBA Settlements

Brandon Hamann

Digital Marketing Manager

Denise Omar, HRCM

Human Resources

Tarasha Payne

Director Accounting

Donna Reed

Accounting Specialist

Katie Campbell

Client Services Associate

Your Bridge to Capital

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Joel Banes

Chief Executive Officer, Founder

Education

BS, University of Tenessee, Wharton School of Finance

Credentials

Series 7, 24, 52, 63, 65

Joel Banes is a highly experienced and respected professional in the SBA market, based in Memphis, Tennessee, boasting an impressive industry tenure of over 25 years. His expertise lies in managing fixed-income securities, focusing on the SBA 7(a) and USDA market segments. Joel is the visionary Founder and CEO of Memphis Capital, previously Banes Capital Management, LLC, a prominent firm recognized for its excellence in the field. Before this, he held the esteemed position of Managing Director of SBA Pooling and Trading at Shay Financial Services, Inc., where he successfully spearheaded operations for a remarkable ten-year span. He launched broker-dealer for Memphis Capital, previously Hanover Securities, in 2016 with long-time friend and business associate John Hanover of Los Angeles. This strategic move further amplified Joel’s influence and reach in the industry. His comprehensive understanding of these markets enables him to deliver exceptional results working with SBA, USDA, and FSA loans, SBA 7(a) pools, SBA COOFs, MBSs, and other traditional fixed-income products for his clients.

Stephen Bone

Managing Director,
Whole Loan Trading

Education

BS Finance, MBA, Arkansas State University

Credentials

Series 7, 52, 63

Stephen, a seasoned professional with 24 years of experience in capital markets, brings a wealth of expertise to our team. Throughout his career, he worked with some of the country’s best fixed-income and loan capital markets firms, showcasing his exceptional skills in the field. Recognizing a need and opportunity for focused, analytics-based trading advice among his bank and credit union clients, Stephen founded Resi Consulting, LLC, a firm focused on providing fee-based loan capital markets advice to financial institutions nationwide. Subsequently, he joined forces with his long-time friend and colleague, Joel Banes, to establish the highly successful whole loan trading desk at Memphis Capital. Stephen’s extensive knowledge and diverse background made him an invaluable asset to the Memphis Capital Leadership Team. Outside the office,

Stephen enjoys spending his free time with his wife and two daughters and splitting his time between Memphis and Oxford, MS.

John Hirt

Managing Director,
Financial Strategies

Education

BS Mechanical Engineering, Geneva College; EMBA, Emory University

Credentials

Series 7, 52, 63

John Hirt is the Managing Director of strategists at Memphis Capital, where he has successfully tripled the team’s size and gross revenue. He emphasizes product knowledge through daily sales calls, fostering communication between traders and providing market insights. As consultants to C-suite leaders, John, and his Sales Strategists optimize portfolios for banks and credit unions. Known for his focus, energy, and excellence, John sets high standards for himself and his team. Additionally, John contributes to the growth of Memphis Capital as a member of their Leadership Team. With over 25 years of industry experience, John held significant positions at other financial organizations. He has served as Managing Director and National Sales Manager for the Fixed Income Capital Markets group and was part of the senior management committee. During the acquisition of two institutions, John played a role in the transition and integration team. Notably, he was the top producer of that organization in Institutional Fixed Income in 2011 and achieved remarkable success throughout his tenure. Before that, John worked at First Tennessee’s Bond Division and was involved in M&A activities with WSGP and Aurora Capital Partners in Century City, California.

Matt Monaco

CEO, Memphis Capital Securities

Education

BA Economics and Business Administration, Rhodes College; MBA, University of Memphis

Credentials

Series 7, 24, 63, 65

With over 25 years of extensive experience in the government-guaranteed loan sector, Matt assumed the position of President and CEO at Memphis Capital Securities (formerly known as Hanover Securities), a role he has held since 2019. Matt’s expertise primarily lies in trading, and he has actively engaged in various critical aspects of the industry, including loan settlements, pool securitizations, analytics, as well as loan purchases and sales. His profound knowledge and skills have played a pivotal role in the success of three different startup operations.

Brian Swanson

Managing Director, Shared Services & CTO

Brian Swanson was named Chief Operating Officer in 2020. He has 20 years of experience in information technology and administration. In addition to overseeing the company’s business operations, Brian’s responsibilities include platform design, programming management, software and hardware decisions, troubleshooting, and heading up all IT initiatives. Brian is a co-founder and previous board member of Memphis Technology Foundation, as well as co-founder and steering committee chair of GiveCamp Memphis.

Jennifer Bond

Director, Lender Relations

Jennifer has been an integral part of the Memphis Capital team since 2012, specializing in maintaining client relationships for those interested in bidding on Small Business Administration (SBA) and United States Department of Agriculture (USDA) loans. With her extensive expertise, Jennifer is well-equipped to assist clients in originating, buying, selling, and servicing these types of loans, ensuring a smooth and efficient process. She has a strong track record of facilitating the trade of some of the largest loans in USDA history, making her a valuable resource for clients looking to trade their loans. Having accumulated over 25 years of experience in the financial industry, Jennifer previously worked for another financial firm where she focused on compliance. There, she learned to understand and work with regulators and guide others. As Jennifer progressed in her career, she transitioned to branch management and learned the nuances, needs, and wants of brokers, banks, and credit unions. Motivated by her dedication to providing exceptional service, Jennifer joined Memphis Capital with the drive to serve clients with the utmost professionalism. In addition to her professional accomplishments, Jennifer is actively involved in various community organizations. She is a member of the Junior League of Memphis and Junior Auxiliary, which help guide Women and Children in education and leadership development to become the best they can be, and she also sits on the Memphis Botanical Garden’s Board of Directors. Beyond that, she participates in Memphis in May World Championship Barbeque Cooking Contest with her team, where they compete in showcasing culinary skills and creating delicious food.

John Wade

Product Specialist - SBA

Education

MBA Finance, DePaul University

Credentials

CFA Charterholder

John joined Memphis Capital with an increasingly notable 30-year career with the U.S. Small Business Administration (SBA) in Washington, D.C. His service includes over ten years as Division Chief of the Secondary Market for the 7(a) and 504 programs. His policy experience in lending and investor programs includes program delivery of the sale and securitization of government-guaranteed securities, negotiating terms for secured credit facilities, and investment oversight of the SBA Master Reserve Fund. His tenure at the SBA includes working as a Financial Analyst for a venture capital unit within the SBA Small Business Investment Company (SBIC) program. Before the SBA, John worked at a distinguished financial firm in Chicago, Illinois.

Madeleine Lewis

Lender Relations Associate

Education

BA Professional Studies, University of Memphis

Madeleine joined Memphis Capital’s Lender Relations team in September 2022. She was a valuable addition to the team with a strong customer relations background and a commitment to community service. Madeline studied at the University of Memphis, where she obtained her BA in Professional Studies. She has built a diverse work history, shaping her into an exceptional professional. Madeleine was in the automotive industry as a certified salesperson for luxury brands like Acura, Lincoln, Alfa Romeo, and Maserati, focused on customer service and relationship-building skills. Decade-long experience in the service industry as a bartender, allowing her a breadth of people to talk to. Madeleine is an avid sports fan, supporting local teams like the Grizzlies, Memphis Tigers, and the New Orleans Saints. Sports have always been a significant part of her life. She played travel soccer and excelled in long-distance track running during high school. She continues to lead an active lifestyle by participating in weekly recreational co-ed softball games. Madeleine has a deep compassion for animals and has two of her own, Daisy and Eden. As a committed volunteer for Stray Network, she fosters expecting, newborn, and orphaned dogs, providing them with a safe and loving environment. She also enjoys indulging in good food, spending time with friends, and traveling.

Marie Fitts

Financial Strategist

Education

Attended UT Martin, TN, Mass Communications with a Journalism Focus

Credentials

Series 7, 63

Marie is a Memphis, TN native who spent the early years of her career with a local regional broker/dealer, beginning in operations. Marie quickly advanced to a government securities trading position. Marie’s back-office knowledge and trading experience landed her supervisory role over the Fixed Income Sales Support team, managing support staff firmwide. New opportunities later developed into an integral role in building out the firm’s Mortgaged Backed Securities/TBA forward hedging platform. A successful 15-year run within the hedging group led to her transition into the whole loan markets. In January 2020 Marie joined Banes Capital Group/Hanover Securities as Senior Vice President, Financial Strategist, covering banks and credit unions nationwide, to assist them in buying and selling loans and securities in the secondary market.

Ben Garvin

Financial Strategist

Education

Business Administration, Christian Brothers University

Credentials

Series 7, 63

During the pandemic, Ben joined Memphis Capital in 2020 as a Strategies Analyst. Through some time on the desk learning loan tapes, he graduated to Financial Strategist, and is now working even closer with his banks and credit unions. Ben grew up in Nashville and recently graduated from Christian Brothers University. Ben was a four-year member of the Buccaneer Men’s Golf Team and served as Treasurer of the Kappa Sigma Fraternity, Xi-Eta Chapter. He enjoys playing golf, cooking, and almost anything that allows him to appreciate the outdoors.

Casey Goodwin

Financial Strategist

Education

Business Administration with Accounting focus, Christian Brothers University

Credentials

Series 7, 63

Casey Goodwin joined the firm in 2018. A Memphis native, Casey’s career began after graduating from Christian Brothers University with his bachelor’s degree in business administration. After years within the industry, he has utilized his knowledge and skillset to help banks and credit unions optimize their portfolio yield with SBA and USDA government-guaranteed loans. When Casey is not spending time with his wife and two dogs, he can be found at the lake, fishing, or playing sports. In addition, he is an active member of the CK2 Foundation.

Matt Ihrke, FRM

Financial Strategist

Education

NEED INFO

Credentials

Series 7, 63

Matt Ihrke has been a professional in the fixed-income markets for 24 years. Beginning his career in Memphis, Tennessee, Matt traded over-the-counter Callable Agencies, and later Corporates, for a notable financial institution. In 2003, Matt took an opportunity to trade new-issue Callable Agencies before returning home to Chicago in 2005 to build out the Agency desk for another firm. As the business grew, Matt’s role transitioned into Risk Management of fixed-income product groups, including Agencies, Corporates, CMOs, MBS, and Structured Products, and he earned his Financial Risk Manager Certification (FRM) from the Global Association of Risk Professionals (GARP). Most recently, Matt has been consulting on the lending side of Mergers and Acquisitions in the Registered Investment Advisor space at Memphis Capital, residing in Northbrook, Illinois.

Alston Meeks

Financial Strategist

Education

Managerial Finance, University of Mississippi

Credentials

Series 7, 63

Alston joined Memphis Capital in 2022 after years in banking, Finance, and the automobile sales and financing business. His experience with the loan origination process and credit buckets that are part of any financial institution’s secondary market criteria make him a natural fit for the whole loan sector. He is a legacy in the business, which means Alston grew up with conversations about the capital markets served with his Cheerios. With a strong commitment to the Memphis community, Alston graduated from Memphis University School and Ole Miss. He loves old cars for their engineering simplicity and style. He supports charity organizations throughout the Mid-South, while holding music as one of his passions. Alston has been an avid and active musician singing in local choirs and performing live for special events across the country.

Lee Olswanger

Financial Strategist

Education

BA Finance and Accounting, UT Knoxville

Credentials

Series 7, 66

Lee joined our team in September 2020, bringing a wealth of experience and a passion for Finance. He began his career as an analyst at a firm in Nashville, TN, providing crucial support to client advisors and portfolio managers. Lee’s dedication and strong analytical skills quickly earned him recognition within the industry. Seeking new opportunities, he returned to his hometown of Memphis, TN, where he joined a notable financial agency as a financial advisor before joining Memphis Capital. Beyond his professional achievements, Lee is deeply committed to positively impacting his community. His passion for community service is evident through his involvement on the boards of local organizations, such as the Memphis Jewish Community Center and the Tennessee Chapter of the Crohn’s & Colitis Foundation.

Mario Ovelar

Financial Strategist

Education

BA Psychology and Spanish, University of Memphis

Credentials

Series 7, 63

Mario joined our team in 2020 from the Insurance industry. Having additional experience in the service industry, Mario brings his quick wit and sense of humor to his book of business. Mario was born in Montevideo, Uruguay, and moved to America when he was three. He grew up in Leominster, MA, and moved to Memphis in 2004 to attend the University of Memphis. Mario proudly became an American Citizen in 2007 and is a fluent bilingual speaker. When Mario is not in the office, you can find him playing competitive ping pong with his wife or watching his son learn to walk. His wife and son are his passion and motivation. Finally, he is a dynamic athlete: in basketball, golf, soccer, and any backyard games. One of Mario’s most significant athletic accomplishments was completing the St. Jude Marathon in 2022.

Jack Paratore

Financial Strategist

Education

MBA in Finance, Long Island University

Credentials

Series 7, 24, 52, 63, 79

Jack is a native New Yorker that began his career with a small regional firm on Wall Street, trading municipal securities. A physical move South and a transition from Wall Street to the regional broker/dealer community in Memphis, TN, Jack transformed his book of business to encompass all fixed-income securities. Jack’s targeted focus has been on mortgage-backed securities (RMBS, CMBS, and ABS private placements, along with whole loan transactions). Unwilling to retire, Jack joined Hanover Securities /Banes Capital Group in 2020 as Senior Vice President, Financial Strategist.

Steven Shelton

Financial Strategist

Education

BS Business Administration with Accounting focus, MBA, Christian Brothers University

Credentials

Series 7, 63

Steven Shelton joined Memphis Capital with experience both in management and sales. He specializes in assisting institutional clients with managing balance sheet needs by purchasing and selling whole and government-guaranteed loans and pools. He works tirelessly to be the knowledge base for many of our team members and is always learning more about the changing markets. Steven has been married to his wife, Mallory, for nine years. They have two beautiful children, Kinsley and Caden, whom Steven enjoys coaching and attending sporting events with. He is a member of Hope Presbyterian Church, where he participates in various community outreach programs.

Paul G. Smith

Financial Strategist

Education

BS Business Administration, UT Knoxville

Credentials

Series 7, 63

Paul joined Memphis Capital with a diverse background encompassing 20 years of experience in Technology, Finance, and Luxury Automobile Retail, bringing a wealth of expertise to his role. Throughout his career, he has catered to a wide range of clients, from High-Frequency Trading companies to budding “Silicon Alley” startups in New York and internationally in Southern England, before managing sales and Finance at Lexus of Memphis. As part of the Financial Strategy Group at Memphis Capital, he assists banks and credit unions that need protection against rising rates and that need to generate strong yield performance.

Scott Soltau

Senior Financial Strategist

Education

BA Business Administration, Covenant University

Credentials

Series 6, 7, 63

Scott joined Memphis Capital in March of 2023, bringing over 25 years of industry experience as an Institutional Fixed Income Salesperson and Trader. Scott started his career at American National Bank in the bond department. Through subsequent acquisitions, he was part of the formation of SunTrust Capital Markets and participated in monthly strategy meetings for the bank’s portfolio. After, Scott moved to the Institutional Fixed Income group for a notable organization in the business. He was one of only two invited to join the establishment’s Institutional Fixed Income Division from the AmSouth Capital Markets merger. He spent 10 years as a Fixed Income Sales professional and enjoyed working with the bank’s largest customers. Scott has numerous client relationships spanning Tier-1 money managers, insurance companies, depository institutions, trust departments, municipalities, and corporations. In 2013, he launched the Institutional Fixed Income business for a regional brokerage firm, where he stayed until joining the team at Memphis Capital. He is Executive Advisor for FoxMark International, a transcontinental business incubator based in Tokyo, where he was born and raised. Scott used to serve on the Widow’s Harvest Ministries board. He also co-founded LAUNCH Chattanooga, a non-profit organization delivering entrepreneurship training to adults and high schools in underserved communities.

Sam Wilson

Financial Strategist

Education

BS Business Administration, Christian Brothers University

Credentials

Series 7, 63

Sam joined Memphis Capital in 2021 as a Financial Strategist. He collaborates closely with banks and credit unions, leveraging his expertise to assist them in optimizing their performance and diversifying their portfolios. Through his diligent efforts, he helps these financial institutions navigate the complexities of the market, identifying strategic opportunities and implementing tailored solutions that align with their specific goals and objectives. Before joining Memphis Capital, Sam excelled in sales and support roles dedicated to optimizing supply chain operations for domestic transportation and logistics customers. His expertise extended to introducing, training, and providing ongoing support for industry-specific software applications, earning him a reputation for exceptional product knowledge and effective customer communication. Sam maintains his enthusiasm for soccer outside the office as a Men’s Soccer League member. He was a four-year collegiate soccer player at CBC, Gulf South Conference Champion 2012, 2014 NCAA Tournament participant, and 2015 All-GSC First Team and 2015 D2CCA All-South Region Team.

Casey Goodwin

Financial Strategist

Education

Business Administration with Accounting focus, Christian Brothers University

Credentials

Series 7, 63

Casey Goodwin joined the firm in 2018. A Memphis native, Casey’s career began after graduating from Christian Brothers University with his bachelor’s degree in business administration. After years within the industry, he has utilized his knowledge and skillset to help banks and credit unions optimize their portfolio yield with SBA and USDA government-guaranteed loans. When Casey is not spending time with his wife and two dogs, he can be found at the lake, fishing, or playing sports. In addition, he is an active member of the CK2 Foundation.

Jacob Munsell

Strategies Analyst

Education

BS International Business & Finance, George Fox University

Credentials

Series 7, 66

Jacob joined Memphis Capital in April 2022. Originally from Bend, Oregon, he has roots deep in the financial industry. While studying at George Fox University, Jacob double majored in Finance and International Business, the latter of which took him to 13 countries worldwide. Through the program, he learned how nations and cultures conduct their business, giving him a broad set of skills and market knowledge that he still uses to great effect. Throughout his years in the finance industry, Jacob has worked in banking and financial advising and earned his Series 7 and Series 66 licenses. The pandemic market shifts led him to excel at assisting his clients through some of the most stressful situations in the last ten years. Jacob learned how to reassure and alleviate his clients’ stressors with incredible customer service and retirement strategies. In 2021, Jacob moved to Memphis with his wife so that she could pursue a career in the medical field. Jacob enjoys traveling worldwide and plans only to continue his adventures. He also enjoys working on classic cars, hunting, fishing, and other outdoor activities with his wife during his off time.

Hailey Atwill Layrock

Vice President, SBA Trading

Education

BS Finance, Christian Brothers University; MBA, University of Memphis

Credentials

Series 6, 7, 63

Hailey is Memphis Capital’s senior SBA and USDA Trader. Before joining us, she was at a financial institution for nine years in reporting, operations, and working as a mutual fund accountant. Now, her specialties include government guaranteed loans and pool products. With over 15 years of experience in the financial industry, she brings a unique perspective to each institution. She coordinates with the sales team daily to ensure our clients get the most out of their investment strategies. Hailey completed her Masters in Business Administration at University of Memphis, and prior a BSBA at Christian Brothers University. With the current market focus on socially impactful and CRA-positive accreditations, Hailey has become an expert in what loans and pools meet our investors’ needs. She’s become a vital part of our team with her creation of diverse pools and products. With us, she’s facilitated over $1 Billion in SBA Securitizations. Finance is the family business for Hailey: her father, the late Mark Atwill, was managing director of fixed-income trading at SunTrust Bank.

Maddy Danziger

Vice President, Whole Loan Trading

Education

BA in Economics, BA in Political Science, summa cum laude, University of Connecticut

Maddy’s journey with Memphis Capital began during her final year of schooling when she interned with our lender relations department. Impressed by her dedication and aptitude for analysis, we welcomed her as a valuable addition to our whole loan trading team. Maddy’s exceptional skills in macroeconomic and loan-level analysis, coupled with her genuine empathy and desire to understand others, make her incredibly effective in comprehending and meeting the unique needs of various financial institutions. As Vice President of Whole Loan Trading, she is crucial in facilitating whole loan and participation trades by collaborating closely with strategists, traders, and various financial institutions operating in the secondary market. Even while pursuing her education, Maddy showed her commitment to professional growth by actively contributing to the Memphis Capital website, writing insightful economic commentaries, and showcasing her ability to distill complex concepts into accessible and engaging content. Additionally, she served as a research assistant for her university’s economics department, further enriching her knowledge and understanding of the field.

Jack Ihrke

Whole Loan Trading Support Analyst

Education

BS Finance, Wofford College

Credentials

Series 7, 63

Jack joined Memphis Capital in July 2021 as an Associate Financial Strategist with a solid finance and investment industry background. His exceptional analytical skills and strategic mindset quickly made him an invaluable asset to the team. After demonstrating his expertise and dedication, Jack was given an opportunity to transition to the Whole Loan Trading team. Recognizing his potential, the company believed that Jack’s skills would be a perfect fit for the dynamic and fast-paced nature of the department. Before Memphis Capital, Jack worked with the CEO of an investment and trading organization. Jack grew up in Charleston, South Carolina. During college, he was a member of Ducks Unlimited, the Club baseball team, and Sigma Alpha Epsilon Fraternity, where he served as President. Jack spends his free time improving his golf game, watching sports, and reading.

Jim Tait

Managing Director, Mortgage-Backed Securities

Credentials

Series 6, 7, 24, 52, 63

Jim Tait is a revered figure in the Mortgage-Backed Securities (MBS) world, having dedicated his career to trading since 1981. With an impressive 27-year tenure as an MBS Trader and Managing Director, Jim’s expertise and experience are unparalleled in the industry. Renowned for his keen eye for opportunity, Jim’s daily Cherry Picks highlights the best of the bonds, and his colorful financial commentary serves as a refreshing perspective that pairs perfectly with your morning coffee. Recognized as a subject matter expert on MBS, he generously shares his wealth of knowledge and insights with a dedicated following of 2,000 LinkedIn followers. While MBS remains Jim’s primary focus and expertise, he also navigates the world of whole loans, demonstrating his versatility and comprehensive understanding of the financial market.

Kevin Bentley

Director, Compliance

Education

BBA Accounting, University of Memphis; M.B.A. in Finance, Christian Brothers University

Credentials

Series 3, 7, 9, 10, 14, 23, 24, 63, 65

Kevin is an accomplished professional with an impressive 30-year career predominantly focused on the securities industry. Before joining Memphis Capital, Kevin held key positions at reputable institutions, solidifying his reputation as a trusted industry veteran. Kevin has showcased his commitment to regulatory adherence and risk management in his role at Memphis Capital. His astute understanding of compliance protocols and dedication to maintaining industry standards have been instrumental in ensuring the firm’s operational integrity.

Denice Susen

Director, SBA Settlements

Education

BS, University of Washington

As Director of Operations at Memphis Capital, Denice Susen brings a diverse background in international and domestic banking. The experience provides her with a clear understanding of client needs and allows her to provide detailed operational support related to loan settlements.

Margaret Echols

Senior GGL Settlement Specialist

Education

Attended STCC, Accounting & Finance

Margaret Echols is a native of Memphis, Tennessee. Her career in Finance started right out of high school at the National Bank of Commerce in 1980 as an Account Information Clerk. In 1985, Margaret joined a notable financial institution as a data entry clerk. Within a couple of weeks, her role switched to Assistant to the Municipal Trading Desk, increasing her repertoire of skills. After a few years, she became a valuable part of the Secondary Market/Repo Trading Desk. In June of 2012, Margaret assisted with establishing the Secondary Market Trading Desk and operated the Secondary Market Operations Department at another financial firm. Margaret joined Memphis Capital in November of 2020, bringing 41 plus years of Fixed Income Capital Market/Banking experience and significant knowledge of Secondary Market products. Margaret is versatile, self-motivated, and creative. She firmly believes that life and family are priceless.

Brandon Hamann

Digital Marketing Manager

Education

Integrated Strategic Communication, Washington State University

Brandon initially joined Memphis Capital in October 2020 as an intern. Since then, he has made invaluable contributions to our marketing department, bringing a fresh and dynamic voice to our brand. Brandon is dedicated to curating and updating our digital and print collateral, continuously seeking innovative ways to convey our unique story. Before moving to Memphis, Brandon had over seven years of experience teaching, training, coaching, and managing online organizations for veterans. His exceptional commitment to community service earned him recognition with the prestigious Campus Compact President’s Student Civic Leader Award in Washington State. In addition, he was inducted into the esteemed National Society of Leadership and Success, further highlighting his outstanding achievements.

Denise Omar, HRCM

Director, Human Resources

Education

Human Resources Certified Manager

Credentials

Series 7, 63

Denise joined our team in 2008. Over the years, she has shown dedication and passion for our company, serving as the CEO’s Assistant and Office Manager before coming into her role as the Human Resources Director. A native Memphian, Denise was educated and conditioned for the Financial Industry from a young age while attending the University of Memphis and studying Business Management. In her early career years, she served as the Branch Manager Assistant, Operations Manager, and Support Staff Supervisor for two notable financial agencies. During this time, Denise received hands-on Human Resources training in New York. She then attended the Ritz Carlton School of Excellence in Atlanta to become certified and implemented a new operating system for a branch of 80 employees. Denise resides in Florida and enjoys co-owning a small craft beer garden with her husband. She enjoys visits from family, friends, and coworkers. In her free time, Denise has served on the National Beach Campaign Clean up and raised capital for Alaqua Animal Refuge and the Panhandle Animal Welfare Society. However, she remains dedicated to her Memphis roots with her love for music, sports, Ronald McDonald House Charities, and St. Jude Children’s Research Hospital. Growing up, Denise’s passion for cheer led her to be on the Pom Squad at the University of Memphis and as a Memphis Showboats Cheerleader.

Tarasha Payne

Director, Accounting

Education

BS Accounting, Christian Brothers University

Tarasha earned her BS in Accounting from Christian Brothers University in Memphis, TN, which catalyzed numerous opportunities that awaited her. She has over 25 years of experience spanning public accounting, asset management, and small business accounting and taxation before joining the Memphis Capital team in late 2021 as our Director of Accounting. Since then, she has shown her dedication and meticulous attention to detail, ensuring that our financial records and numbers are accurately managed and providing essential insights for informed decision-making. She has been married to her husband, Keith, for over twenty-seven years, and they are parents of three, with three grandchildren. Since the pandemic lockdowns and the closure of their favorite places, Tarasha took the initiative to start a family Bible Study night where their family can come together to read, discuss, and learn about the messages of the Bible and how they can apply those lessons to their daily lives. As Finance revolves around her life, Tarasha teaches all she’s learned through financial literacy and personal finance classes in her spare time at her church and the wider Memphis community. Tarasha also avidly supports Tennessee sports teams like her hometown Memphis Tigers, the Grizzlies, and the Titans.

Donna Reed

Accounting Specialist

Education

AS Accounting, Shelby State University

Donna joined the Memphis Capital team in 2016. She has over 32 years of experience in office administration, management, and accounting. She began in our Settlements department, where she learned the ins and outs of working with SBA, USDA, and FSA loans in the secondary market. After providing needed support in the Lender Relations department, she is now an Accounting Specialist and the Assistant to the Director of Accounting. With an eye for detail, Donna is dedicated to ensuring all aspects of accounting are done accurately and timely. Donna is a Memphis native and has been married to her husband, Michael, for 27 years. Since both of her children are graduates of the University of Memphis, she is a big fan of our Memphis Tigers. She enjoys spending time with her family and friends at her summer home on the Tennessee River in Savannah, TN.

Katie Campbell

Client Services Associate

Education

UT Knoxville, Bachelor’s degree in Sociology Union University, Master of Business Administration

Katie, a proud Memphis native, pursued her higher education at the University of Tennessee – Knoxville and later Union University, where she earned her Master of Business Administration. Katie volunteered at the Boys & Girls Club of Memphis and Manorhouse Assisted Living during her college years, demonstrating her genuine compassion and dedication to serving her community. While finishing her degree, Katie joined Memphis Capital in November 2021 and put her knowledge and skills to the test. Since then, she has consistently brought her knowledge, skills, and dedication to the table. Outside the office, you can find her practicing hot yoga, trying new cuisines around town, or sifting through used books and records. As a proud supporter of her alma mater, she will surely be saying, “Go Vols!”