Stephen Wilhoit has more than 25 years of professional experience in operations, legal, accounting and administration. From 2009 to 2012, he was a Managing Director of Torchlight Investors, a $4 billion institutional manager of commercial real estate debt. In 1999, Stephen co-founded Lydian Trust Company and, from 2004 until its sale in 2009, was President of Lydian Data Services, a business process outsourcing company providing loan fulfillment services to leading Wall Street firms including JPMorgan Chase, Goldman Sachs, Credit Suisse and Deutsche Bank. Prior to that, he was with Ocwen Financial Corporation (NYSE: OCN) from 1990 to 1997, where he was Senior Vice President with responsibility for the Law and Default Servicing groups. Stephen received a BS in Chemical Engineering from the University of Virginia and a JD from Wake Forest University School of Law.