Since 2009, Carmel has built the infrastructure that keeps credit performing — through every condition, counterparty, and cycle.
Carmel was built to operate within complex credit structures where trust, control, and continuity solidify the transaction.
The focus is not on products or participants, but on the infrastructure required to make credit function reliably at scale.
Carmel is structured to support long-lived credit programs and institutional requirements over time.
The emphasis is on stability, accountability, and systems that remain effective as structures evolve.
Credit systems are tested under stress, not in design.
Carmel maintains control, oversight, and execution when conditions change, counterparties shift, or assumptions no longer hold.
Carmel operates the infrastructure that connect Capital Markets.
Carmel embeds control, validation, and execution without fragmenting responsibility. Our model supports capital providers, originators and institutions simultaneously.
Kristofer Lyon founded Carmel Solutions in 2009 with a focus on advisory services. He has overseen its growth to a multi-faceted service provider. He is also managing partner at Stuart Accounting.
Previously he was VP at Sallie Mae and American Public Education, and AVP Finance at Wells Fargo.
As CEO of Carmel, Matt Marietta leads the company and its 30+ employees through its constant evolution.
He was previously VP at ECMC, Director at ITT Educational Services, Senior Director at Sallie Mae, and Senior Consultant at Praxis Life Sciences.
Eric Johnson has been CRO of Carmel since 2019. He also held the position of VP of Business Development from 2019 to 2022.
Prior to that, he served as VP of Business Development at asset management and business processing solution provider Navient and held several leadership roles over 18 years at Sallie Mae. He has also served as Adjunct Professor at Butler University and worked at the Jim Irsay Collection.
Michelle Soltys has been COO at Carmel since 2023. Prior to that, she served as CFO from 2019 to 2023.
She also served as Principal and Managing Director at alternative asset management firm Medley, CFO at Velum Global Credit Management, and VP and Controller at Arrow Financial Services.