As the owner of Penn Capital, Inc. (PCI), Michael G. Nathans has provided a range of consulting services over his 27-year career to financial institutions, investment banks, government agencies, private investors, multifamily property managers, condominium converters, and loan servicers. He has assisted clients in developing and executing acquisition, financing, risk management, marketing and disposition strategies. Nathans also currently serves as Chief Compliance Officer of eCredable LLC, a company that enables consumers to provide supplemental tradeline information with any application that requires a credit check, under the provisions of the Equal Credit Opportunity Act.

Michael Nathans is a pioneer and widely recognized thought leader in the development of alternative approaches to the collection and use of rental, utilities, and other tradeline information that is underreported or not reported to consumer and commercial credit bureaus. He founded Pay Rent, Build Credit, Inc. (PRBC), an alternative credit bureau he launched in 2002 with grants from the Ford Foundation and matching R&D investments from Citigroup, IBM, Fannie Mae, and Freddie Mac with the goal of ending the disparate impact of credit scoring on apartment renters and other credit underserved classes by helping them build a credit history.

During the five years prior to launching PRBC, Nathans worked for PriceWaterhouseCoopers in the Asset Securitization, Mortgage Banking, and Financial Risk Management Practices located in Washington, DC. For PwC’s capital markets clients, he provided management of pre-closing deal analytics for the securitization of collateralized bond and loan obligation (CBOs/CLOs) pools totaling $3 billion. In this capacity he supervised portfolio stratifications, collateral-level due diligence, collateral eligibility criteria and portfolio quality tests.

Nathans began his career as a vice president at Sterling Investments, where he specialized in the listing and sale of multifamily properties to tax shelter syndicators, condominium converters, and rehab specialists. He received his B.A. from Franklin and Marshall College.