Our Team

Chris Callahan

President and CEO

Chris Callahan is the President and Chief Executive Officer of X-Caliber Capital. Mr. Callahan has over 20 years of commercial and residential real estate industry experience.  Over the course of his career, he and his team have provided over $70 billion of capital to the multifamily & healthcare space, including the rate lock and purchase of the single largest HUD insured housing project, a $621 million financing in the Bronx, NY.

Prior to purchasing The Phares Company, since renamed X-Caliber Capital, Mr. Callahan served as Managing Director and Head of Non-Agency and Agency CMBS and CLO trading at Credit Suisse. In addition to his trading responsibilities, Mr. Callahan was a member of the Fixed Income Department Operating Committee and part of the Securitized Products leadership team.  During his tenure, the Agency CMBS business was the #1 ranked franchise in securitization volume for five consecutive years, the Non-Agency CMBS business achieved a #1 ranking, and the CLO business achieved a top tier designation.

Prior to Credit Suisse, from 2005-2010, Mr. Callahan was a Managing Director at Bank of America Merrill Lynch, where he was Co-Head of the Agency and Non-Agency CMBS trading businesses. In this capacity, the group was the #1 franchise in both Non-Agency CMBS trading and Agency CMBS securitizations.

Prior to Bank of America Merrill Lynch, from 1996-2005, Mr. Callahan was a Vice President and head of the Agency / Non-Agency CMBS trading group at Nomura Securities. Previously, he was a senior member of the residential agency MBS trading desk.

Mr. Callahan graduated from Binghamton University in 1996 with a B.S. in Management / Finance.


Sharon Callahan

Chief Financial Officer

Sharon Callahan, CPA, is the Chief Financial Officer of X-Caliber Capital. In that role, Mrs. Callahan is responsible for all financial functions of the company.  Prior to her current role, Mrs. Callahan was in Corporate Accounting at Time Warner and then in their book publishing division, Time Warner Book Group. She also held audit and tax positions at Deloitte and Touche.

Mrs. Callahan graduated from Binghamton University with a Bachelor of Science degree in Accounting.


Jeff Goldberg

Executive Managing Director, Head of Capital Markets

Jeff Goldberg has extensive real estate finance experience. Over his career, he has purchased and rate-locked in excess of $20 billion in multifamily and healthcare loans. He is primarily responsible for expanding the company’s lending platform, corporate strategy, and is a senior member of the origination team.

Prior to joining X-Caliber Capital, Mr. Goldberg was Director of Commercial Mortgage-Backed Securities (CMBS) trading at Credit Suisse. His responsibilities included the management of over $1 billion in private-label CMBS, loan pricing of commercial and multifamily loans for the company’s conduit business, and the rate-locking and purchasing of multifamily and healthcare securities insured by GNMA/HUD, Fannie Mae and Freddie Mac. During his tenure at Credit Suisse, the team was consistently ranked as the top Agency CMBS securitization shop in the country and was recognized as a premier CMBS trading platform.

Previously, Mr. Goldberg worked at Bank of America Merrill Lynch in a similar capacity. There, the team was recognized as the top Agency CMBS securitization franchise and Non-Agency CMBS trading platform.

Mr. Goldberg graduated from Cornell University with a Bachelor of Science degree in Policy, Analysis and Management. He also holds Series 7 and 63 securities licenses.


Mike Hammond

Executive Managing Director

Mike Hammond is an Executive Managing Director at X-Caliber Capital where his primary responsibility is growing X-Caliber’s proprietary lending platforms.  He is a senior member of the originations team with extensive experience financing multifamily and healthcare properties.  Mr. Hammond brings a broad capital markets knowledge, which he developed through his previous management roles.    

Prior to joining X-Caliber Capital, Mr. Hammond was a senior member of the loan origination team at Berkeley Point Capital.  During his one-year tenure at the firm, he closed over $100 Million in multifamily and commercial loans through the company’s FHA, Fannie Mae and CMBS lending platforms.  He was also instrumental in creating synergies between the Agency and CMBS lending groups to increase the firm’s bottom line.

From 2005-2015, Mr. Hammond was an Executive Director in Oppenheimer’s real estate group. As one of the first employees within this division, he helped grow the platform to one of the largest FHA multifamily and healthcare lenders in the country.  His responsibilities included loan pricing and distribution, client management, and secondary trading of FHA, Ginnie Mae, and Agency CMBS securities.  In addition to his Capital Markets duties, Mr. Hammond was a senior originator focusing on construction and permanent financing for affordable housing and healthcare assets. 

Mr. Hammond graduated from The University of Vermont with a Bachelor of Science in Psychology.  He also holds series 24, 7 and 63 securities licenses.


Carin Chuvala

Executive Vice President, Chief Underwriter

Ms. Chuvala is a Senior Vice President and Chief Underwriter for X-Caliber Capital. In this capacity, she is responsible for managing the firm’s FHA MAP underwriting process and staff. Ms. Chuvala reviews concept packages and underwriter’s narratives on all multifamily and affordable housing applications submitted to HUD. She has over 15 years of HUD underwriting experience across all of the FHA MAP programs, including new construction, substantial rehabilitation, acquisition, refinance and LIHTC transactions.

Prior to her current role, Ms. Chuvala held Senior Underwriter positions at Berkeley Point Capital and Oppenheimer Multifamily Housing & Healthcare Finance.

Ms. Chuvala received her Bachelor's Degree in Business from the University of Indiana.


Joseph Braunschek

Senior Vice President, Deputy Chief Underwriter - Healthcare

Joseph M. Braunschek has spent over 35 years as an investment banking and healthcare professional, having evaluated and analyzed hundreds of companies and financed well over $1 billion of debt, including hospital and nursing home-related loans and bonds. At X-Caliber, Mr. Braunschek is instrumental in evaluating and underwriting debt opportunities specific to the healthcare space in both HUD and Bridge capacities.

Prior to X-Caliber, Mr. Braunschek was the Deputy Chief underwriter for healthcare at Housing & Healthcare Finance, LLC. He came to HHC from the Department of Housing and Urban Development, where he served as an underwriter in the HUD LEAN program. Prior to HUD, Mr. Braunschek worked at GMAC Commercial Mortgage where he managed a $1.5 Billion long term care and senior housing loan portfolio in addition to serving as the interim Chief Credit Officer for the health care division. In addition to GMAC, Mr. Braunschek has worked at a variety of specialty healthcare lenders including CIT and DVI Financial where he focused on origination, underwriting and asset management. Earlier in his career, Mr. Braunschek was in the investment banking sector, with firms including Van Kampen Merritt and A.H. Williams, where he analyzed and underwrote municipal bond transactions specific to the long term care sector.


Amber Howard

Executive Vice President, Head of Servicing and Asset Management

Amber Howard is responsible for the servicing and asset management of  X-Caliber's loan portfolio. Mrs. Howard has over 12 years of experience in multifamily, senior housing and healthcare loan servicing and asset management. Prior to joining X-Caliber, she was Director of Asset Management for Capital Funding, a leading national senior housing and healthcare lender. She oversaw a portfolio in excess of $2 billion of FHA-insured loans.

In 2003, Mrs. Howard received her B.S. in Business Communication from Stevenson University in Stevenson, MD.


Spencer Troy

Executive Vice President of Originations

Spencer Troy is a Senior Vice President of Originations with X-Caliber Capital, located in Boca Raton, Florida. Mr. Troy has over 25 years of experience in the mortgage lending industry, during which time he has owned multiple mortgage companies and represented banks as both a mortgage advisor and senior relationship manager across the country.

Prior to his position at X-Caliber Capital, Mr. Troy was the     President / Owner of Whitehall Financial & Investment Group, a mortgage origination company in Boca Raton, Florida. In this capacity, he focused on the origination and sale of commercial and residential loans.  Mr. Troy was also the President / Owner of Global Development and Investment Group, where he sourced private equity for private placement investments.

Previously, Mr. Troy was the President / Owner of Tennessee Home Loans, a mortgage company specializing in second lien origination targeted towards regional residents and small business clientele.

Prior to his experience as an owner, Mr. Troy was a Senior Vice President at Meridian Bank, where he advised and participated in the restructuring of bank portfolios of performing and non-performing assets.

Mr. Troy has an MBA from UCLA and a BME / MME from Cornell University.


Krista Boblitz

Vice President

Krista Boblitz is a Vice President on X-Caliber’s Servicing and Asset Management team, located in Baltimore, Maryland. Ms. Boblitz has over 11 years of experience in servicing and asset management. Ms. Boblitz focuses on all aspects of X-Caliber’s servicing process with a specialization as a HUD designated construction loan administrator and a bridge loan asset manager.

Prior to joining the X-Caliber team, Ms. Boblitz was the Assistant Director of Asset Management for Capital Funding, a leading senior housing and healthcare lender. In this role, she was responsible for assisting in the oversight of a multi-billion-dollar HUD portfolio, including the administration of a construction loan & sub rehab portfolio in the hundreds of millions of dollars. During this time, she was also responsible for overseeing a growing bridge loan portfolio and implementing processes and procedures for efficient servicing of this portfolio.


Paul Fitzsimmons

Executive Vice President

Paul Fitzsimmons has 30+ years’ experience in the commercial real estate debt markets having held senior positions at buy side and sell side companies. Prior to joining X-Caliber Capital as an HC and MF originator, he was a Managing Director and Head of CMBS/CRE Research at Kroll Bond Rating Agency, Inc. having published numerous articles on commercial real estate covering the major property types and CMBS markets providing commentary on trends and potential market risks.

Prior to that, Mr. Fitzsimmons was a Managing Director and Portfolio Manager of a $4 billion CRE debt portfolio at Brookfield Investment Management overseeing ten members of the underwriting team. His prior experience also includes a seven-year stint as Director and Global Head of CMBS Surveillance at Credit Suisse while contributing as a senior member of the research team. Prior to joining Wall Street, Mr. Fitzsimmons was a state certified general real estate appraiser, certified tax assessor and is a current MAI and SRA member of the Appraisal Institute. Mr. Fitzsimmons is a graduate of Villanova University and obtained an MS degree in Real Estate Finance from New York University where he has been asked to be an adjunct speaker.


Lawrence Zucker

Vice President

Lawrence Zucker is a Vice President in X-Caliber Capital's Underwriting Division.  He provides analysis and processing functions to both the MAP and LEAN teams.  Previously, Mr. Zucker worked at Arbor Residential Mortgage within their Credit Asset Management team and at Nomura Securities, where Mr. Zucker was a Senior Analyst on the MBS Trading Desk.

Within these capacities, Mr. Zucker conducted due diligence for the acquisition of performing and non-performing loans, assisted in implementation and management of servicing platforms and managed trade support for both residential and commercial loan acquisitions, warehousing and securitization activities.  Mr. Zucker has also worked at Xerox and PwC/Mellon HR Solutions where he implemented and managed benefit platforms for their Fortune 500 Health and Welfare clients as well as worked at mGage as a Technical Program Manager working for multiple, major customers and carrier/partner relationships.  Mr. Zucker’s technical skills have enabled him to assist with coding, incorporating technology, and optimizing existing internal sizing and credit models within his current position at X-Caliber Capital.

Mr. Zucker graduated from Binghamton University with a BS in Management Information Systems.


Michele Epple

Controller

Michele Epple, CPA, is the Controller for X-Caliber Capital.  Under the CFO, Michele is responsible for all the daily accounting operations of the company.  Before her role at X-Caliber Capital, Michele spent 11 years in the construction industry as an Accounting Manager. Prior to that, she spent several years at a real estate investment firm as well as a public accounting firm where her accounting career began doing audit and tax work.

Mrs. Epple graduated from Binghamton University with a Bachelor of Science degree in Accounting.


Eric Carlson

Executive Vice President

Eric Carlson, MBA, has over 20 years of sales experience across multiple industries.  Eric is an Executive Vice President for the X-Caliber Capital Origination team, responsible for providing financing opportunities for multi-family, senior care, assisted living, and hospitals.  

Early in his career her worked in business to business sales providing payroll and tax solutions at ADP.  Mr. Carlson was awarded District manager of the year in 1997 & 1998.  He spent several years as a medical rep with Pfizer, winning rep of the year in 2001, 2002 & 2004.  Eric then moved on to a medical device position at Boston Scientific.  Most recently Eric was Regional Business Manager for Align Technology, leading the sales teams for the New York and Connecticut markets.  He earned the President's Club award in 2011 & 2012.  Mr. Carlson brings with him knowledge of the business side of the medical field as well as operational knowledge of running companies of various sizes.


Maggie Waybright

Vice President

Maggie Waybright is a Vice President for X-Caliber’s Underwriting team. She is responsible for preparing and assisting in completion of all functions of the loan underwriting and closing process. Mrs. Waybright has over 13 years of experience in multifamily and healthcare loan underwriting with extensive knowledge in the various HUD insured loan programs.

Prior to joining the X-Caliber team, Mrs. Waybright worked for both Newmark Knight Frank and Capital Funding Group where she was involved in the processing, underwriting and closing of over 180 loans, including multiple large portfolios.


Marcia Ringo

Senior Advisor

Marcia Ringo is the Senior Advisor and Head of Strategic Planning for X-Caliber Capital.  Before joining X-Caliber Capital, Marcia worked for 39 years at the Department of Housing and Urban Development (HUD). 

During her tenure at HUD, Marcia held several positions including both Single Family and Multifamily Appraiser, Multifamily Production Branch Chief for the State of Georgia, Director of Multifamily Operations for the Southeast Regional office and finally as the Director of Multifamily Production for the Southeast Region.  Marcia continues to hold a Certified General Appraisal license.  


Debbie Campbell

Vice President

Debbie Campbell is a Vice President of Originations and leads X-Caliber’s Affordable Housing Solutions. Ms. Campbell was a Co-Founder and SVP of Community Housing Capital, a national CDFI loan fund, where she helped spearhead the company’s loan platforms to finance the development and preservation of affordable housing in urban, suburban, rural, and Native communities. Before joining CHC, she founded Salisbury Neighborhood Housing, which became one of the most successful and innovative NeighborWorks organizations of its size in the United States. This experience inspired her to spend her career focusing on strategies that would effectively increase the financial capital available to address the nation’s affordable housing shortage.

 Debbie has been a recipient of Maryland’s Innovators of the Year and named one of Maryland’s Top 100 Women for her accomplishments in affordable housing and is a 2011 graduate of Harvard Kennedy School’s Achieving Excellence in Community Development executive education program.

 


John Wells

Vice President

John Wells is a Vice President for the X-Caliber Capital Origination team.  He previously worked at T. Rowe Price for eighteen years where he was responsible for securitized credit trading. Before that he was a portfolio manager at BancBoston, where he managed the banks investment and whole loan mortgage books.  Prior to that, he sold bonds on Wall Street for Morgan Stanley and Bear Stearns.  He started his career at Fannie Mae, where he was director of interest rate risk management.  John graduated from Denison University, and earned his MBA at the Fuqua School of Business at Duke University.

John and his wife Missy have three grown up children, the youngest of which is set to graduate from college this Spring.  He is an avid sportsman.