Cullen joined ALM First Financial Advisors in 2003. As a financial advisor for the firm, his primary responsibilities include reviewing clients' asset/liability portfolios, as well as designing and executing financial strategies that provide the best value proportional to each client's desired risk profile.
Cullen has lengthy experience in trading and investment portfolio management. He also has had extensive interaction with the secondary market, including mortgage-loan origination, production, funding and hedging.
Before joining ALM First, Cullen was a bank portfolio manager and trader, responsible for a $4 billion mortgage-backed security portfolio. In this position, he researched, analyzed and executed trades involving mortgage-backed, pass-through securities, as well as collateralized mortgage obligations. Additionally, he hedged the portfolio on a monthly basis to ensure compliance with regulatory guidelines, and planned and forecasted balance-sheet strategies based on various interest-rate scenarios. Prior to serving as a portfolio manager for the bank, he managed its liabilities and all borrowings with a focus on reducing the cost of funds.
Scott joined ALM First Financial Advisors in 2013. As a financial analyst, he performs asset liability analyses for financial institutions, various 'what-if' analyses, budget forecasting, liquidity forecasting and mortgage servicing rights (MSR) valuations.