Thomas Devine is a financial consultant to Emigrant Savings Bank, responsible for originating and underwriting large loans to the Real Estate Investment Trust (REIT), oil and gas (Master Limited Partnerships) and homebuilding sectors.

Mr. Devine's career and professional expertise span banking (including two of the ten largest banks in the world, Citigroup and HypoVereinsBank), structured finance, real estate development, transportation, the public sector and non-profit "social purpose" corporations, in many instances as the founding principal.

Mr. Devine received his B.S. on Marine Engineering (honors) from the US Merchant Marine Academy and his M.B.A. from the Harvard University Graduate School of Business Administration.