Our Leadership Team
Quality, experience, reliability you can count on.
Quality, experience, reliability you can count on.
Chief Executive Officer
As Chief Executive Officer, Matt guides Armada’s vision and fosters its growth through training and relationships internally and with clients.
Matt brings 17 years of Agency lending experience to the Armada team, with his most recent stint at Capital One Multifamily Finance as the Head of Underwriting for Fannie Mae and Freddie Mac operations where he oversaw a team of more than 50 people in offices throughout the country. Prior to that he served as Chief Underwriter for Capital One’s Agency Lending platform and its predecessor Beech Street Capital, where he was one of the first members to join that company in 2009. In what Matt would consider one of his proudest roles and achievements in his career (prior to joining Armada), Matt helped create a new Lending institution that went from $0 in loan volume production at inception to $1B in its first year of operations. By 2013, Beech Street Capital was a top 10 Fannie Mae and Freddie Mac Multifamily Lender, where it has remained since that time. By the time Matt left Capital One to join Armada in 2018, Capital One’s Agency production exceeded $7B in annual loan volume. Prior to his time at Beech Street Capital and Capital One, Matt spent eight years at Deutsche Bank Berkshire Mortgage and it’s predecessor, Berkshire Mortgage Finance, in various underwriting capacities.
Matt’s years of experience in commercial real estate encompasses all multifamily asset classes, including seniors housing, student properties, affordable housing, small loan lending, and military housing, and he is familiar with all major markets in the country.
Matt is a graduate of Duquesne University with a BA degree in Finance and a concentration in Investment Management.
Executive Vice President
Leigh-Anne has been an integral part of the growth and success of AAI since its inception.
Today, her primary roles include oversight of human resources, accounts receivable, account(s) payable, and cash management. Leigh-Anne also serves a vital role in corporate planning and decision making as a leading contributor on senior management committees, where her focus is human resources, budgeting, business growth, and maintaining Armada’s corporate culture.
Prior to forming AAI, Leigh-Anne enjoyed a successful career in recruiting and human resources.
In her spare time, Leigh-Anne enjoys spending time with her two teenage boys and riding horses at her farm.
As Chairman, Zack guides Armada’s vision and fosters its growth through training and relationships internally and with clients.
After ten years of underwriting experience in the CMBS and Agency Lending business and experiencing the struggles of hiring localized Agency underwriters, plus witnessing the boom in contract underwriting services for CMBS lending, Zack established Armada Analytics in 2006. His vision was to bring high quality, customized commercial real estate underwriting to the door of clients in need.
Zack’s years of experience in commercial real estate include valuation, asset management, acquisition/disposition analysis, CMBS underwriting, Fannie Mae underwriting, and Freddie Mac underwriting.
Zack began his career at GMACCM Small Loan Program (SLP) where he was an integral part of the underwriting team. At SLP, he underwrote a wide variety of small loans including retail, hotels, office, industrial, and multifamily. In 2000, he was hired by Standard Mortgage Corporation in their agency lending division, where he served through the 2004 buyout by CSFB with the formation of Column Guaranteed (CGL). At the inception of CGL, he was promoted to Deputy Chief Underwriter of Fannie Mae operations. While at CGL, he oversaw the underwriting for approximately $2B/year in production. Zack left CGL in July 2006 to form Armada Analytics to serve the growing need for contract underwriters and asset managers.
Zack is a graduate of Georgia State University with a BBA degree with a concentration in Real Estate and Finance.
Executive Vice President
Mike oversees all Seniors Housing, Freddie Mac Small Balance, Fannie Mae and Freddie Mac Assumptions, FHA Underwriting, Freddie Mac K-Pool Reviews, and Bank Due Diligence underwriting in addition to conventional FNE and FRE product lines.
Mike began working for Armada as a financial analyst during the company’s infancy. In that role, he assisted across all product lines. Since this time, he has absorbed a multitude of industry knowledge and has risen up the ranks at Armada.
Mike’s experience spans across all aspects of commercial real estate underwriting, ranging from compilation of BOVs and prescreen work to underwriting credit facilities and running teams for off-site bank acquisition analysis. During his time at Armada, Mike has underwritten or overseen more than 500 transactions, totaling more than $4 billion in loan proceeds.
Mike graduated from Clemson University with a B.S. in Financial Management with a concentration in Corporate Finance.
Mike and his wife, Emily, reside in Greenville and are both an active part of the community.
Senior Vice President
Brad serves as Senior Vice President and is responsible for new business initiatives across Armada’s fleet of services. For over ten years, he has worked in commercial real estate financing, brokering and development, building relationships with other commercial real estate professionals across the country.
Throughout his career in real estate, Brad has been involved in underwriting, origination, capital markets, investment sales, development, equity raises, and working out distressed debt. Prior to joining Armada, Brad spent three years with Cushman & Wakefield | Thalhimer. During this time, he advised on over $100 million in sales and over 200,000 square feet of leasing commercial real estate. Prior to joining Cushman, Brad was a Portfolio Manager with the LongView ULTRA fund and Amalgamated Bank. Working out of both their Washington, D.C., and New York City offices, Brad was on a team responsible for the day-to-day management of an over $1 billion portfolio of real estate debt and equity. In addition, he was responsible for investor relations & reporting, fund valuation, and internal auditing. ULTRA invested in commercial real estate assets across the country, from Boston to Honolulu.
Brad is a graduate of Appalachian State University with a BSBA in Finance, and Johns Hopkins University with an MS in Real Estate.
Brad lives in Greenville, SC with his wife and two children. If he has free time, you can find him on the golf course, working on his latest piece of furniture, or working on his 1981 Moto Guzzi. Brad is also a licensed real estate broker in the state of South Carolina.
Senior Vice President
Becky oversees Armada Analytics’ Closing Department, which includes Insurance Review Services. Prior to coming on board, Becky was the owner of her own firm, The Browning Consulting Group. In that capacity, Becky consulted with clients in a myriad of areas including loan servicing, underwriting, closings, and insurance review.
Before forming her company, Becky was First Vice President of Live Oak Capital, Ltd. (formerly known as The Dunkum Mortgage Group), which became a part of Grandbridge Real Estate Capital in January 2009. Becky joined The Dunkum Mortgage Group/Live Oak Capital team in 1991 working in various capacities, including supervising the production analytical staff, closing all commercial loans and serving as head of the loan servicing department. After the Grandbridge Real Estate Capital acquisition, she served as an Asset Manager.
Becky oversaw national servicing and closing activities for Holliday, Fenoglio, Fowler from 1997 to 1998 and, prior to joining The Dunkum Mortgage Group in 1991, she was employed as a commercial fee appraiser for two years at Bach Thoreen, a Houston appraisal firm.
From 1986 to 1989, Becky was employed by Stockton, Luedemann, French & West, a Houston mortgage banking firm where she was responsible for asset management, servicing, closing and information systems.
While with the Prudential Realty Group in San Antonio, Orlando and Houston from 1979 to 1985, Becky’s responsibilities included review of property management reports, budgets, construction funding and other work typically found in a major life company’s real estate field office.
Additionally, from 2005 through 2007, Becky was a consultant to Merrill Lynch Mortgage Lending for whom she analyzed leases for commercial real estate loans including retail, office, industrial properties and ground leases.
A graduate of Texas A&M University with a B.B.A. degree in Finance, Becky has been an active member of the Mortgage Bankers Association of America (MBA), serving as Vice Chair for the Servicing Leadership Committee. Becky has also been a guest speaker at Texas A&M University.
Senior Vice President
Stephen oversees all Agency Affordable Housing, Student Housing, and both Fannie and Freddie conventional products. Stephen is also responsible for overseeing Armada Analytics’ Dallas office.
Stephen began working for Armada immediately following his college graduation, starting his career as a Financial Analyst on the Affordable Housing Underwriting team. He quickly gained valuable experience focusing on both conventional and affordable transactions between Agency and Private Placement lenders. Due to the rapid growth of the affordable housing industry, Stephen shifted his focus to specialize exclusively on this area of underwriting and assist in the growth of the Affordable Housing team. During his tenure at Armada, Stephen has underwritten and overseen in excess of 500 transactions, totaling more than $6 billion in loan proceeds.
Stephen’s Affordable Housing expertise spans many specific product types, from standard Preservation to New Construction with 4% and 9% LIHTCs, Existing Rehab with 4% and 9% LIHTCs, Project Based HAP Contracts, Credit Enhancement Bonds, Private Placement Bonds, Securitization Pools, Total Return Swaps and the Freddie Mac Tax Exempt Loan (“TEL”), Bridge to TEL, and Bridge to Resyndication programs.
Stephen graduated from Clemson University with a B.S. in Financial Management – Real Estate Concentration and a Minor in Accounting.
Senior Vice President
Zack is responsible for day-to-day operations of the Zoning department of Armada.
Joining us directly out of college, Zack began his career with Armada as an Underwriting Analyst in CMBS Lending. During his first year alone, he assisted on the underwriting of over $175 million in CMBS loans. In March 2014, Zack joined Russ Ming in the creation and development of the new Zoning platform. He was promoted to Zoning Product Manager in July 2014 and has since written and/or overseen the completion of over 1,200 zoning reports.
Zack’s expertise with zoning compliance analysis spans from retail to multifamily to self-storage properties that have been performed for Fannie Mae, Freddie Mac, CMBS, banks, attorneys and property owners. He has worked with over 25 clients, covering a wide array of zoning compliance issues and analyses.
Zack graduated from Clemson University with a Bachelor’s of Science in Financial Management with an emphasis in Real Estate Finance.
Senior Vice President
Dennis oversees the operation of Armada’s Acquisition Due Diligence department. His team handles due diligence inspections, annual lender’s inspections, and lender disbursement reviews to include budget reviews and site inspections for new construction and capital improvements.
Dennis began working with Armada in 2017, and took over the responsibilities of the due diligence department at the beginning of 2018. Since joining Armada, he and his team have been involved in the due diligence inspection of over 80,000 units.
Dennis’ real estate career spans 37 years. From 1982 to 1985, he was with Oxford Development, and from 1985 to 1988 was Vice President of Construction with Trammel Crow Residential. During this period, he oversaw the development and construction of over 3,000 multifamily units. In 1988, Dennis joined The Milton Company as Director of Purchasing and Contracting with full responsibility over these areas for the construction of over 600 homes per year. Dennis then started a custom home building business, building homes in and around the Washington D.C. area, and eventually merged with Pollin Development, Inc. After parting from Pollin Development in 2008, Dennis began a new venture consulting with developers and builders for construction, land acquisitions, and land entitlements.
Reid serves as Armada’s SVP of Technology and is responsible for ensuring our technology strategy aligns with Armada’s long-term vision and short-term goals. His efforts include workflow and product improvements, project management, and application development.
After beginning his career as a flood risk analyst for a major financial services company, Reid founded Anabranch Flood in 2008. During his tenure in the flood risk industry, Reid oversaw flood risk assessments covering $17B in assets across the United States. Reid has also assisted many property owners in removing flood insurance requirements by way of FEMA’s Letter of Map Amendment (LOMA) process. From small single-family homes to large multi-family properties, Reid’s creative flood risk mitigation strategies have consistently saved clients thousands of dollars in flood insurance premiums. In 2017, Anabranch Flood was acquired by Armada Analytics to expand their product offerings. Reid continues to oversee Armada’s Environmental Risk assist clients in navigating flood risk issues.
Reid is an armed forces veteran and currently serves in the Colorado Air National Guard in the Aerospace Propulsion section. Reid is a Certified Floodplain Manager (CFM), and graduated from the University of Minnesota – Duluth with a Bachelor’s of Science in Geology, and from Saint Cloud State University with a Bachelor’s of Science in Meteorology.
When Reid isn’t serving our clients or country, you’ll find him in the Rocky Mountains — climbing, skiing, and mountain biking.
David oversees all affordable, conventional, and seniors housing work performed directly with Freddie Mac and works with a number of other Armada clients overseeing affordable and conventional transactions.
Following his employment at Athens Bank and Trust, David began working for Armada as a Financial Analyst on the Affordable Housing Underwriting team. He gained valuable experience working on a variety of transactions between Agency and Private Placement lenders. Due to the rapid growth of the affordable housing industry, David specialized in this area of underwriting and assisted in the growth of the Affordable Housing team. During his tenure at Armada, David has underwritten in excess of 100 transactions totaling more than $1 billion in loan proceeds.
David’s Affordable Housing expertise spans many specific product types, from standard Preservation to New Construction with 4% and 9% LIHTCs, Existing Rehab with 4% and 9% LIHTCs, Project Based HAP Contracts, Credit Enhancement Bonds, Private Placement Bonds, Securitization Pools, Total Return Swaps and the Freddie Mac Tax Exempt Loan (“TEL”), Bridge to TEL, and Bridge to Resyndication programs.
David graduated from the University of Georgia with a Bachelors in Business Administration in Real Estate.
Heath oversees most FHA, CMBS, and Small Balance Agency transactions for Armada’s clients, as well as Agency Assumptions and both Fannie Mae and Freddie Mac Conventional transactions with a number of Armada clients.
Following his employment at Athens First Bank and Trust, Heath began working for Armada as a Financial Analyst on the CMBS and Conventional Multifamily Underwriting teams. He gained valuable experience working on a variety of transactions between Agency and Private Placement lenders. During his tenure at Armada, Heath has underwritten or served as oversight on over 400 Agency transactions.
Heath’s Multifamily Housing expertise spans many specific product types, from Affordable Preservation, Market Rate, Small Balance, Single Family Rentals, and Manufactured Housing.
Heath graduated from the University of Mississippi with a Bachelors in Business Administration in Managerial Finance.
Heath and his wife Ali reside in Nashville, TN with their two rescue dogs Bo and Georgia. Heath is an avid traveler, history enthusiast, and baseball fan.
Anne is responsible for the day-to-day HR and Accounting operations at Armada. Her responsibilities include Human Resource functions, maintaining Armada’s company culture, generating recruitment, and managing accounts receivable and accounts payable.
Anne joined Armada directly out of college and has been with the team since 2016. She is a graduate of the University of Houston – Victoria, with a Bachelor’s degree in Human Resource Management.
Anne and her husband, Michael, reside in Greenville, South Carolina, with their two dogs, Weller and Moosie. Anne loves getting into projects and traveling.
Andrew oversees the Asset Management Department, which handles a wide variety of post-closing transactions and risk analysis. Andrew joined Armada in November 2019 after spending seven years at Capital One Bank. The last five of those years were spent in various roles within the Multifamily Agency Finance Asset Management space. Andrew began his career in Asset Management as an analyst before taking a role as a Portfolio Asset Manager, where he managed a portfolio of over 150 multifamily loans. Andrew spent over two years in that role before becoming an Assistant Vice President, overseeing Capital One’s centralized Asset Management Analyst team. In this role, Andrew built out an analyst team, who was responsible for financial statement collection and submission, reserve draw processing, required repair compliance, and inspection compliance for the Fannie Mae and Freddie Mac portfolios.
During his time as an Asset Manager at Capital One, Andrew worked primarily on the Freddie Mac Asset Management team. He managed several different Freddie Mac product types, including Conventional, SBL, Mod Rehabs, and Forward Commitments. Andrew has experience processing all types of post-closing Borrower requests, including assumption/transfer requests, changes in collateral, and loan document modifications.
Andrew graduated from West Virginia University with a B.S. in Journalism in 2011. He spent time as a staff writer for the business section of a local West Virginia newspaper and has several published articles.
Andrew and his wife, Melinda, reside in Damascus, Maryland, where they are active members of the community.