He began his career in capital markets 38 years ago in 1985 and his background includes hedging pipelines, running a small subprime company, speaking to companies and groups, and helping various companies with various issues on a consulting basis. While he was a partner at Tuttle & Company his clients included Supreme, AccuBank, and Mission Mortgage. He left the daily working world in late 2008 to focus on his family but continued to publish his commentary. He spends 4-5 hours a day on this and wakes up at 6AM CT time to check overnight news and edit the commentary before sending it out. He was on the board of directors of Peoples Bank in Kansas, sister company of Peoples National Bank of Colorado, and is still on the board of directors, or advises the boards, of several financial companies, and visits groups around the country consulting and speaking. He is a product of the California education system with a BS from Cal Poly, San Luis Obispo, and an MBA from UC Berkeley.

Those who know Alan best know that he is a man on a mission — to relieve the struggles homeless individuals face in obtaining their basic needs of food, community and a place to call home. Since its founding in 1998, Mobile Loaves & Fishes volunteers have served more than 6 million meals with a side of hope to homeless men and women living on the streets of Austin. The organization has also spawned similar food truck ministries in other cities across the U.S. With the support of more than 20,000 volunteers, Mobile Loaves & Fishes is the largest prepared feeding program to the homeless and working poor in Austin, Texas. Graham is also the visionary behind MLF’s Community First! Village — a 51-acre master planned development that provides affordable, permanent housing and a supportive community to the chronically homeless in Central Texas. While many Mobile Loaves & Fishes volunteers describe their experience as life changing, the organization’s mission to serve the homeless has perhaps changed no one more than Alan Graham himself. Previously a real estate investor and developer, Alan founded Trilogy Development and the Lynxs Group, which developed Austin’s airport cargo facility and similar facilities at airports around the country. Around the same time, Alan had the seed of the idea for Mobile Loaves & Fishes. He and the other founders started by making sack lunches and serving them from the back of a green minivan. Alan readily admits that their original paradigm of serving the homeless had some flaws, but with the help of a formerly homeless man, Houston Flake, they perfected the model that MLF successfully uses today. Alan and his wife, Tricia Graham, were married in September 1984 and have four children of their own and a niece that they raised as well. They welcomed their first grandchild in April 2022! Alan is a published author of the book Welcome Homeless: One Man’s Journey of Discovering the Meaning of Home.

As a member of the Research Department's regional group, she conducts research on regional economic issues, coordinates the production of and writes the release for the Dallas Fed's Texas Manufacturing Outlook Survey and helps produce the 11th District Beige Book—the Bank's survey of regional economic conditions. She also produces articles for various bank publications. Kerr holds a bachelor's degree in economics and an MS in economics from Baylor University.

Currently, she leads the management and direction for the Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program, the Weekly Forbearance and Call Volume Survey and other ad hoc surveys and policy analyses. She is also MBA's spokesperson for the National Delinquency Survey. In addition, Walsh conducts specialty workshops and roundtables on a variety of current topics critical to the mortgage industry and provides program advisory support for conferences, particularly MBA's Accounting and Financial Management Conference and its National Servicing Conference. She is an instructor for several MBA Education webinars and courses, including the Schools of Mortgage Servicing and the Future Leaders Program. Results of her work have been published in all of the major trade publications as well as national and local newspapers. She is a frequent speaker at MBA and other industry events and conferences. In 2020, Walsh received the Certified Mortgage Banker (CMB) designation, awarded to seasoned professionals seeking the ultimate recognition for professionalism and experience in residential mortgage banking. In 2016, she was named to HousingWire's "Women of Influence" list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate. Prior to joining MBA, Walsh was a manager in Ernst and Young's Real Estate Advisory Services Group where her focus was Federal credit program design, implementation and performance measurement. She started her career in the Management Training Program, then subsequently the financial planning division, of the Port Authority of NY & NJ. She holds a bachelor's degree from Cornell University and a Master of Public Administration degree from Columbia University.

He is Chairman of Whalen Global Advisors LLC, and focuses on the banking, mortgage finance and fintech sectors.

Christopher is a contributing editor at National Mortgage News. He is a member of FINRA and Senior Advisor at J.V.B. Financial Group in New York. From 2014 through 2017, Christopher was Senior Managing Director and Head of Research at Kroll Bond Rating Agency, where he was responsible for ratings by the Financial Institutions and Corporate Ratings Groups. He was a principal of Institutional Risk Analytics from 2003 through 2013. Over the past three decades, Chris worked as an author, financial professional and journalist in Washington, New York and London. He has held positions in the House Republican Conference Committee, the Federal Reserve Bank of New York, Bear, Stearns & Co., Prudential Securities, Tangent Capital, and Carrington Mortgage Holdings. Christopher holds a B.A. in History from Villanova University. He is the author of three books, including his most recent work “Ford Men: From Inspiration to Enterprise” (2017), a study of Ford Motor Co and the Ford family published by Laissez Faire Books. He is the author of "Inflated: How Money and Debt Built the American Dream" (2010) published by John Wiley & Sons; and co-author of “Financial Stability: Fraud, Confidence & the Wealth of Nations,” also published by John Wiley & Sons. Christopher has served on the Economic Advisory Committee of FINRA for over a decade. He served as an advisor on Season 5 of the SHOWTIME series “Billions.” Chris is a member of The Lotos Club of New York. He previously served as a fellow at Indiana State University (2008-2014), a member of the Finance Department Advisory Council at Villanova School of Business (2013- 2016) and board member of the Global Interdependence Center (2017-2019).