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Art Ringwald, partner in EQE Consulting, is responsible for strategic planning, marketing strategies, new business development, joint ventures and strategic alliances. He has a solid record of success leading rapidly growing businesses, turnarounds, and start-ups. He has broad-based expertise in operations, finance and business development, as well as exceptional experience in driving service and process improvements.

Mr. Ringwald spent over 30 years in the mortgage banking business where he developed a reputation as an innovative and results-driven leader. He achieved many "firsts" in this industry, including orchestrating the first major joint venture between a national real estate company, Coldwell Banker, and a major national mortgage company, Sears Mortgage. Mr. Ringwald also served as the President and CEO of Borrowers Choice, the first successful Computerized Loan Origination System. During his years at Bank America he led the company's mortgage division to become sixth in the nation from 21st, while improving profitability from break-even to over $500 million annually.

Mr. Ringwald holds a BS degree in Residential Building from Michigan State University and an MBA in Finance from the University of Detroit where he was inducted into the Beta Gamma Sigma scholastic honor society. He also served on a number of advisory boards including the Harvard University Joint Center for Housing Studies National Advisory Board; the National Association of Homebuilders Housing Roundtable; the FNMA National Advisory Board; the General Electric Mortgage Insurance Company National Advisory Board; and the Central Piedmont Community College Presidential Advisory Board.