J.K. Cullum ClarkJ.H. Cullum Clark, Ph.D.

Director, Bush Institute-SMU Economic Growth Initiative and Adjunct Professor of Economics

J.H. Cullum Clark is Director, Bush Institute-SMU Economic Growth Initiative and an Adjunct Professor of Economics at SMU. Within the Economic Growth Initiative, he leads the Bush Institute’s work on domestic economic policy and economic growth. His work focuses primarily on the challenge of creating prosperous, high-opportunity regions, cities, towns, and neighborhoods. He has written and spoken extensively on macroeconomic policy, economic development, workforce development, housing, technology commercialization, and the role of anchor institutions in local economies. He is the co-author of The Texas Triangle: An Emerging Power in the Global Economy, published by Texas A&M Press in 2021. Before joining the Bush Institute and SMU, Cullum worked in the investment industry for 25 years. He served as an equity analyst and portfolio manager at Brown Brothers Harriman & Co. (1993-96), as a portfolio manager at Warburg Pincus Asset Management (1996-2000), as President and Chief Investment Officer of Cimarron Global Investors, a Dallas-based hedge fund firm (2000-02), and as President of Prothro Clark Company, a Dallas family investment office (2002-18). Prior to entering the investment industry, he served for one year on the staff of the U.S. Senate Select Committee on Intelligence. Cullum fulfilled a lifelong goal by earning his Ph.D. in Economics at SMU in May 2017. He earned a B.A. in History from Yale University in 1989 and an A.M. in Political Science from Harvard University in 1993. Cullum's volunteer leadership activities include serving on the boards of Uplift Education, the Eugene McDermott Foundation, the Yale University Art Gallery, the Foundation for the Arts, and the S.M. Wright Foundation, as well as on the investment committee of SMU. After graduating from Yale he lived for one year in Japan. Clark and his wife Nita have three daughters: Lili, Annabel, and Charlotte.

Karen KlemckeKaren Klemcke

SVP, Region President, DHI Mortgage, Ltd.

Karen Klemcke was named a 2022 Mortgage Star by Mortgage Women Magazine. She joined DHI Mortgage 25 years ago and has risen to the position of SVP, Region President. In her role she oversees production and operations for Louisiana, Arizona, Central Texas and Arkansas. Karen previously held management positions as a Regional Manager, Area Manager, National Home Buyers Club Manager, Specialty Lending Manager, CPC Manager, CAD Manager, Help Desk Manager, SAM Manager, Assistant Branch Manager and Operations Manager. She also held non-managerial positions as a Mortgage Loan Originator and Loan Processor. Karen is very passionate about leading her team to fulfill their potential while they help borrowers achieve the dream of homeownership. Her background includes studies in Administration of Justice at Salve Regina University and European Economics in Dublin, Ireland. In her free time Karen enjoys spending time with friends and family which includes her husband and 4 children. Karen also loves exploring the outdoors, listening to crime podcasts, and cooking with her husband whenever there is downtime."

Stacey MaisanoStacey Maisano, AMP, CML

Director of Business Development, Polunsky Beitel Green, LLP

Stacey is an integral member of the Polunsky Beitel Green team responsible for expanding the firm’s business portfolio and providing exemplary customer service to existing clients. She is widely known and highly respected in the lending industry, with more than 25 years of experience in virtually all aspects of residential mortgage originations. Before joining the firm, Stacey worked as a residential mortgage closer, underwriter, loan officer, escrow officer and title company closer. Her previous executive positions include serving as a lending regional sales manager, vice president of mortgage production, and lending managing director. This experience gives Stacey a keen understanding of how to best address the sophisticated issues that regularly confront residential mortgage lenders. Stacey regularly attends industry seminars, conferences, professional meetings and conventions throughout the country.

Paul Pouliot, Master CMBPaul Pouliot, Master CMB

Director of Sales for the Southwestern region, Spillane Consulting Associates

Paul has been in the mortgage banking industry for 50 years, with 35 of those spent as CEO of mortgage banking subsidiaries. Paul was with FHLB Boston for 18 years overseeing MPF. He is the founder of Colonial Mortgage Inc. and has been instrumental in developing the Fannie Majors. Paul was the first East Coast lender to roll out laptop technology and created the first Pledged Savings Account Mortgage.



DHI Mortgage, Ltd.
Polunsky Beitel Green, LLP


AmeriHome Correspondent

Benchmark Mortgage

Network Funding, LP


SWBC Mortgage Corporation


Black, Mann & Graham, LLP
Brubaker & Associates Appraisers
Certainty Home Loans
Essent Guaranty, Inc.
Gregg & Valby, LLP
National Mortgage Insurance
Radian Guaranty, Inc.
Robertson Anschutz Vetters, LLC
Wells Fargo Funding


Garris Horn, LLP