Our Team
Edward Chang
Chief Executive Officer
12540 Broadwell Rd., #1202
Milton, GA 30004
echang@encinacapital.com
214-336-1389
John Thomas
President & Chief Operating Officer
12540 Broadwell Rd., # 1202
Milton, GA 30004
jthomas@encinacapital.com
(678) 682-3644
Bob Kennedy
Chief Financial Officer
383 Main Avenue
Suite 706
Norwalk, CT 06852
bkennedy@encinacapital.com
(203) 653-8628
Eric James, CRCM
Managing Director, Operations & Compliance
383 Main Avenue
Suite 706
Norwalk, CT 06852
ejames@encinacapital.com
(203) 653-8625
Dan Avnir
Managing Director
383 Main Avenue
Suite 706
Norwalk, CT 06852
davnir@encinacapital.com
(646) 326-7690
Michael Brown
Senior Analyst
12540 Broadwell Rd., # 1202
Milton, GA 30004
mbrown@encinacapital.com
(770) 674-4451
Jessica Ernst
Portfolio Manager
Nicholas Fallon
Associate
Sandy Hom
Managing Director, Underwriting
383 Main Avenue
Suite 706
Norwalk, CT 06852
shom@encinacapital.com
(203) 653-8636
Mark Kassis
Managing Director & Head of Risk Management, Commercial Vertical
Bill Laird
Head of Risk Management - Consumer Vertical
Dave Mattei
Managing Director, Funding Strategy
Julie Meade
Managing Director, Underwriting
Janani Sharma
Managing Director, Underwriting
Brian Fulton
VP, Operations
383 Main Avenue
Suite 706
Norwalk, CT 06852
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
Stephanie Locke
Collateral Analyst
12540 Broadwell Rd., #1202
Milton, GA 30004
slocke@encinacapital.com