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Ken Mulford

Managing Director

Ken has more than 30 years’ experience in financial services. He has wide and deep knowledge of debt capital markets, securitized products, and credit. In recent years, Ken has focused most of his work in residential and commercial mortgage production, serving as an Executive Vice President and Head of Capital Markets for a national direct residential mortgage lender (Sun West Mortgage) and as the Managing Director in charge of Commercial Mortgage Lending and Capital Markets of a national thrift (The Federal Savings Bank). In these roles, Ken was responsible for originating mortgages, recruiting and supervising loan officers and branch managers, establishing new retail branches nationwide, raising capital, and managing large bank relationships.


Prior to his most recent roles, Ken spent 25 years as a Wall Street professional in securitized products. Working for such firms as Merrill Lynch, Salomon Smith Barney, JP Morgan, and UBS, he became expert in securitization banking – cash flow modeling, deal execution, and relationship management – and mortgage whole loan trading and finance. Though his primary focus was in mortgage related securitizations (ABS HEL, RMBS, and CMBS), Ken also gained expertise in other consumer asset classes such as Credit Cards, Auto Loans, Auto Leases, Tax Liens, and Student Loans.


After graduating in 1985 with Honors from the College of Wooster (Wooster, Ohio), Ken began his career in finance as a commercial lending officer with formal credit training (Southeast Bank NA). He interrupted his career to earn his master’s degree in Philosophy in 1992 from Columbia University in New York City, where he was a President’s Fellow. Ken proudly holds the Chartered Financial Analyst® designation. 

Ken lives in Saint Augustine Beach, Florida, with his wife Sunny and his son Kenneth.

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