Adaptive financial technology and data-driven servicing

Master Servicing

Active management of consumer and commercial loan portfolios including initial and ongoing portfolio analysis, allocation and outsourcing to sub-servicers with associated performance management, treasury management, and reporting of activities and results.

Treasury Management

Tailored solutions with complex waterfall and accrual capabilities, providing lenders and investors the transaction and reconciliation details necessary for efficient cash management and compliant reporting.

Back-up Servicing

Primary servicer risk mitigation through daily, weekly, or monthly storage and validation of loan files with beneficiary reporting. Implementation of customized procedures and monitoring for traditional and esoteric assets.

Reporting & Analytics

Data aggregation and reporting of portfolio statistics, demographics, delinquency and default trending, servicing and collection activity detail that enable clients to improve underwriting and servicing decisions.

Transaction Processing

Comprehensive loan funding and payment processing solutions through ACH, wire transfer, and credit and debit card with multi-investor remittance capability.

Kristofer T. Lyon

Kris is the founder and CEO of Carmel Solutions having started the company in 2009 to address the analytic and operational needs of financial services and higher education clients.

Prior to establishing Carmel Solutions, Kris was an officer of Sallie Mae with dual responsibilities for M&A and distressed asset management. Before SLM, Kris held the position of AVP of Finance at Wells Fargo managing the reporting, analytics, pricing, and profitability of private student lending for the bank. Earlier in his career, Kris worked in international development focusing on the financial management of public health programs in Turkey, South Asia, and the Central Asian Republics.

Kris is a CPA with an MBA from The Johns Hopkins University and an undergraduate degree in Political Science from Frostburg State University, a small campus in the University of Maryland System.

Matthew W. Marietta

Matt is the Chief Operating Officer of Carmel Solutions.  Prior to joining Cs Matt held key positions with some of the largest and most influential organizations in the technology and higher education industries.

Matt was the Vice President of Finance with Premiere Credit of North America, a servicer for the US Department of Education. While at Premiere, Matt directed the finance, accounting, client services, and analytics divisions. Before Premiere, Matt was a Director within ITT Educational Services’ technology division, where he managed strategic initiatives aimed at advancing the college’s business intelligence infrastructure.  Earlier in his career, as an officer with Sallie Mae, Matt was responsible for the analytics and servicing of Sallie Mae’s non-performing private student loan portfolio; prior to his time with Sallie Mae, Matt was as a consultant within IBM’s Global Services division.

Matt holds an MBA, Finance Concentration, from the Kelley School of Business, Indiana University, and a BA in English Literature with minors in Computer Science and Philosophy from Butler University.