Our Team

Luke Graham
Chief Executive Officer
12540 Broadwell Rd., # 1202
Milton, GA 30004
lgraham@encinacapital.com
(678) 682-3647

John Thomas
President & Chief Risk Officer
12540 Broadwell Rd., # 1202
Milton, GA 30004
jthomas@encinacapital.com
(678) 682-3644

Bob Kennedy
Chief Financial Officer

Eric James, CRCM
Managing Director, Operations & Compliance
101 Merritt 7, Suite 300
Norwalk, CT 06851
ejames@encinacapital.com
(203) 653-8625

Dan Avnir
Managing Director
101 Merritt 7, Suite 300
Norwalk, CT 06851
davnir@encinacapital.com
(646) 326-7690

Michael Brown
Senior Analyst
12540 Broadwell Rd., # 1202
Milton, GA 30004
mbrown@encinacapital.com
(770) 674-4451

Edward Chang
Managing Director, Head of Portfolio Management

Jessica Ernst
Portfolio Manager

Nicholas Fallon
Associate

Janani Sharma
Managing Director, Underwriting

Sandy Hom
Managing Director, Underwriting

Jeff Karlsson, CFA
Vice President, Risk

Julie Meade
Managing Director, Underwriting

Brian Fulton
VP, Operations
101 Merritt 7, #300
Norwalk, CT 06851
bfulton@encinacapital.com
(203) 653-8618
Read Bio

Angelo Monzon
Vice President, Finance

Janet Riccard
Director, Operations
12540 Broadwell Rd., #1202
Milton, GA 30004
jriccard@encinacapital.com
(678) 682-3646

Denise Richardson
Collateral Analyst