Unlocking Potential, Together
Expert Support in Banking and Credit Union M&A Risk Mitigation.
Unlocking Potential, Together
Expert Support in Banking and Credit Union M&A Risk Mitigation.
Pearl Street Advisors, LLC
Our Mission
At Pearl Street Advisors LLC, our mission is to provide exceptional service by building strong and lasting relationships with our stakeholders while leveraging the experience of our team in analyzing investment portfolios; thereby, providing secure and profitable opportunities for our partners.
About Pearl Street Advisors, LLC
Our Story
Our Philosophy
Our Philosophy
Pearl Street Advisors, LLC, looks to capitalize on our history of providing top-quality advisory, capital placement, banking and regulatory services to many of the largest lending institutions since 1995. Over the years, we have built a reputation for excellence and a track record of success.
Our Philosophy
Our Philosophy
Our Philosophy
We believe in putting our partners first and protecting their capital while always acting with integrity and professionalism. We are committed to providing a level of service that exceeds expectations and delivering customized results that make a difference in your portfolio or targeted returns.
Our Experience
Our Philosophy
Our Experience
Our team has decades of combined experience in the regulatory, banking and real estate industry. We have seen it all and have the knowledge and expertise to help mitigate risk within the most complex of portfolios.
Portfolio Support
Mergers & Acquisitions
Pearl Street Advisors, LLC provides strategic, on or off-balance sheet, portfolio customization solutions.
Portfolio Concentration Issues
We can help alleviate portfolio risk due asset irregularities impacting pricing.
Items such as:
- Asset Type – Office, Industrial, Retail, Multifamily, Energy, Cannabis or Fintech.
- Loan Type – performing, non-performing or high-risk financing.
- Borrower Issues – poor credit, reputational risk or poor operational experience.
- Geographic Challenges – tertiary markets, impacted submarkets, footprint extrapolations.
Portfolio Performance Challenges
Pearl Street Advisors, LLC can assist in mitigating risk (concentration, credit, etc.) through diversification across asset classes, geographies, and loan structures, allowing our partners to maintain financial flexibility and capitalize on market opportunities.
Deal Structure
Our staff has extensive experience in structured transactions allowing us to address most any financing challenge including:
- Full or Partial portfolio purchases
- A/B Note Splits
- Mezzanine
- Preferred Equity
- Joint Ventures
- Participations
- GP or LP replacement solutions
- Shared Loss Agreements
- Leveraged Transactions
- Table-funding
Customized Engagement
Pearl Street Advisors, LLC is ready to fulfil any role within the capital stack, and assist our partners and their position within the transaction. Whether you require off-balance sheet financing for regulatory adherence, additional time to stabilize assets or strengthen client relationships. The expertise and support provided by our team empowers our partners to achieve their targeted goals.
Consulting Services
Need advice on your real estate portfolio strategy or addressing regulatory issues? Our consulting services provide expert guidance on everything from property acquisition to portfolio management and subsequent dispositions.
The Team
David Ohlrich - CEO
A proven track record of leading success within the Financial Industry. Has 25 years experience in leading teams for the FDIC, with responsibilities of overseeing portfolios at National Loan Servicers and field sites during the last crisis servicing more than $100 billion. Coordinated the Credit Operations for three satellite offices at the regional office level. Was the Post Closing Asset Manager for the second largest Bank failure in FDIC history with assets totaling over $210 billion. Started a Transportation & Logistics Company from the ground zero, developing it into over $5 million in yearly gross revenues. Regional Credit Manager over 40 states for third largest oilfield supplier and Credit Manger for Chrysler Credit.
Graduate of Oklahoma State University with majors in Accounting, Marketing and Management .
Patrick L. White - General Council
With over 35 years of experience in the real property finance arena, Patrick has provided advice and counsel to banks, mortgage lenders and investors on complex commercial and residential real estate transactions in both the private sector and as a regulator. Patrick has significant transactional experience in a broad range of corporate, public sector and private equity disciplines. Patrick has served as General Counsel for a community bank in Tennessee for 10 years He has also served as counsel and underwriter for a real estate title insurance company and has worked both for the FDIC and RTC.
Graduate of the University of Tennessee with degrees in Economics and a JD/MBA. Patrick is a licensed attorney in the State of Tennessee.
Eric Anglemyer - Chief Risk Officer
A seasoned financial professional and credit risk expert with a proven track record in loan portfolio analytics, risk management, and regulatory compliance. With a career spanning banking, financial regulation, and credit administration, he has played a pivotal role in enhancing risk governance frameworks, developing credit policies, and optimizing portfolio performance for financial institutions. Eric has successfully built and led teams, managing high-value loan portfolios. His experience includes oversight of commercial and consumer loan portfolios, development of credit loss models (ALLL/CECL), and execution of SOX controls and audit responses. Notably, Eric developed a risk evaluation framework and credit loss model for a Bitcoin-collateralized lending portfolio.
Jay Ash - Managing Director, Capital Markets
An expansive career in the financial industry. Jay has extensive experience working with the FDIC in Asset Management, Risk Sharing, Structured Transactions and Capital Markets. Additionally, Jay served as the Managing Director of a private equity firm specializing in direct balance sheet bridge lending nationwide. Throughout his 20-year career, Mr. Ash has facilitated real estate transactions valued at over $1.5 billion for his clients through debt and equity placement, fundraising, portfolio acquisition and disposition, and large institutional note sales. His experience in commercial brokerage and real estate investment banking has been with some of the largest and most prestigious real estate investment banking firms in their respective specialties nationally.
Graduate of University of Kansas with degrees in both business and economics.
Dan Newell - Managing Director, Portfolio Oversight
Dan possesses over 25 years of experience in the banking and financial sector as a lender, broker, consultant, and regulator. His experience has included overseeing portfolios as large as $60 billion and has managed loan portfolios across the United States, as well as consulting with major financial institutions globally. For most of his career he has assisted banks and bank holding companies in evaluating assets and operations for potential acquisitions.
Graduate of the University of Oklahoma with a Bachelors in Finance
Ted Warren - Managing Director, Special Assets
Accomplished executive with a record of success in credit administration, credit approval and underwriting, portfolio administration, special assets management, restructuring, litigation, and foreclosure expertise. A proven history as a bank management professional with diverse credit administration experience
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Pearl Street Advisors, LLC