Location History:
- San Fernando, CA (US) (1992)
- Estill Springs, TN (US) (2003)
- Ashburn, VA (US) (2010 - 2014)
Company Filing History:
4 out of 46 
1 out of 21 
1 out of 100 
Years Active: 1992-2014
Title: Paul Alan Thomas: Innovator in Mortgage Structuring and Risk Management
Introduction
Paul Alan Thomas is a notable inventor based in Ashburn, Virginia, with a significant contribution to the field of mortgage structuring and risk management. He holds a total of nine patents, showcasing his innovative approach to financial solutions.
Latest Patents
Among his latest patents is a method for structuring a supplemental interest mortgage. This invention discloses a system where a principal debt obligation and a supplemental debt obligation are secured by a single security instrument. The principal debt obligation includes the principal loan and principal interest to compensate a lender for the use of the lender's funds. The supplemental debt obligation includes supplemental interest to compensate a lender for the risk of borrower nonpayment. Another significant patent is related to risk-based reference pool capital reducing systems and methods. This invention provides a credit enhancement structure for risk allocation between parties, minimizing the regulatory capital reserve requirement impact on institutions subject to such requirements. The system involves rating a subject pool of assets, such as loans, to determine risk levels and allows a guarantor party to assume a portion of the risk, thereby reducing the reserve capital the institution must hold.
Career Highlights
Paul has worked with the Federal Home Loan Mortgage Corporation, where he applied his expertise in financial innovations. His work has significantly impacted the way mortgage and risk management systems are structured.
Collaborations
Throughout his career, Paul has collaborated with notable professionals, including Clifford V. Rossi and Robert J. Fishman, enhancing the quality and reach of his innovations.
Conclusion
Paul Alan Thomas stands out as an influential inventor in the mortgage and risk management sectors. His patents reflect a deep understanding of financial systems and a commitment to improving them. His contributions continue to shape the landscape of financial innovation.