J. Keith Baker is an accomplished author, noted speaker, and knowledge leader in the fields of real estate finance and mortgage banking.Keith's career in the financial services industry spans over thirty-five years, during which he held various senior-level positions including: CFO of a national mortgage company, CFO for a New York Stock Exchange company in New York City, Senior Vice President of New Product Development for major insurance companies, President of a troubled asset management company in Houston;, and Investment Officer underwriting housing bonds at a major national bank. Keith began his career in mortgage banking as a mortgage loan officer.Keith is an active member of the Texas Mortgage Bankers' Association (TMBA), having served on the TMBA's Technology, Emerging Markets and Education committees.He is a certified Financial Planner and a Certified Public Accountant and holds both an MBA and an MS in Financial Services. He is CEO of Baker Capital Consultants, providing consulting services for hedge funds and private wealth management firms, performing pre-offer due diligence reviews, and developing models for mortgage origination and mortgage servicing operations. He is the Program Coordinator for the Mortgage Banking Program at North Lake College and is currently the Editor for the Mortgage Lending Journal.