Managing Director, Mortgage Finance
Stephen L. Joseph is a Managing Director in the Fixed Income Group of Sandler O'Neill + Partners, L.P. Mr. Joseph has advised the firm’s financial institution clients for over 20 years. He specializes in balance sheet management, income planning and developing asset, liability and capital strategies to enhance earnings and optimize shareholder value. Mr. Joseph also serves as a national product manager for Sandler O'Neill Mortgage Finance, acting as liaison for Mortgage Finance with fixed income sales, investment banking and other client coverage resources with a special focus on innovative products and services.
Mr. Joseph began his career on Wall Street in the Corporate Finance Department of Reynolds & Company. Subsequent positions include Managing Director and Head of the Mortgage Finance and Housing Finance Groups of Salomon Brothers; Executive Vice President and manager of the Mortgage Backed Securities, Mortgage Finance, Corporate Bond, Interest Rate Products, Fixed Income Research and Fixed Income Sales Groups of Drexel Burnham Lambert; and Chairman and Chief Executive Officer of The Trigon Group, LP, a real estate merchant bank.
Mr. Joseph holds a Bachelor of Arts from Harvard College and a Master of Business Administration from the Harvard Graduate School of Business Administration.