Tim joined SFS at its formation as a senior portfolio manager and oversaw the underwriting, loan servicing and asset management functions at the firm. Tim is the former Executive Vice President-Credit and Risk Management at SFS and will maintain those responsibilities in addition to his role as co-CEO. In addition, he is also a corporate shareholder. Prior to that, he was employed by MMA Financial, LLC as a debt portfolio manager analyzing and managing construction, permanent and supplemental loan portfolios. Before joining MMA Financial, LLC, Tim was with Raymond James Financial and Raymond James Bank, where he worked as a senior corporate projects analyst and commercial loan underwriter. He has a Bachelor of Science degree in Finance and an MBA from the University of South Florida in Tampa.