Our Experience Helps You Make More Money
As a loan originator, lender and end-investor in the secondary markets, the senior management of USAF II has been involved in most segments of the SBA and USDA Guaranteed Loan marketplace over the past 20 years handling commercial transactions in excess of $ 1 billion. Their experience can help you structure loans to maximize profitability and minimize risk.
Michael Thomas, CPA - Chief Executive Officer
Mr. Thomas, CPA has been in the government guaranteed loan business for over thirty years. At the request of President Carter, Mr. Thomas headed both the SBA transition and the SBA reorganization teams during 1977-1979. In 1980, while a partner of Ernst & Young, he set up the Ethanol Fuel Program for the US Department of Energy. From 1983 to 1996, Mr. Thomas was a market leader in the Southeast as a major originator of SBA and USDA loans in GA and TN, later to be the # 1 USDA B&I lender in the nation 1998-2001 through B&I Lending and a pioneer and market leader in investing in SBA strips through USAF-I. Mr Thomas also served as the President of the National Rural Development Association in 1999 and 2000 and a member of NAGGL since 1984. Michael is a CPA with a B.S in Accounting from the University of Illinois He studied his MBA in Finance at the University of Michigan and Georgia State University.
Vasudevan Srinivasan - Chief Operating Officer
Mr. Srinivasan has over 26 years of banking experience including secondary markets, treasury, finance, international banking, risk management, investment banking, merchant banking, mortgage banking, consumer banking, correspondent banking, middle market corporate lending, real estate, capital markets, and operations. Prior to joining USAF II, Mr. Srinivasan served as CFO of B&I Lending, LLC a leading player in the USDA B&I program, Vice Chairman of a company that specialized in conduit loans securitized by Wall Street as well as a residential mortgage company based out of LA and Phoenix, Chief Credit Officer on the Global Credit Committee of an investment bank with operations worldwide and ran a Trade Finance company in New York as Managing Director. He has served on the Asset Liability committees and managed funding needs of banks during several international crisis. His assignments in the treasury markets include bond and currency trading, mortgage backed securities and government guaranteed loans. Mr. Srinivasan started his career with Citibank and was trained by them in Greece, Philippines and India. He served on the Board of Hamilton Savings Bank, San Francisco and represented investors on the Board of community banks and a venture capital fund. Mr. Srinivasan is a Rotary Scholar and holds an MBA (from IIMA, Ahmedabad India--originally set up in collaboration with Harvard Business School), MS (Lehigh University, Bethlehem, PA), and BS (in Mech Engg).
