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    Alexander Villalobos-Morsink • Jefferies LLC

    Alexander Villalobos-Morsink is an Equity Research Senior Associate at Jefferies LLC in New York City, specializing in financial services sector research. He actively covers companies such as LendingClub, as demonstrated by his participation in corporate earnings calls, where his research contributes actionable insights for institutional clients. Starting his career as a Senior Associate, Villalobos-Morsink has developed expertise within Jefferies' research division but has not been publicly recognized with major analyst rankings or specific investment performance metrics. While FINRA registration and securities licenses are typically required for research roles at major investment banks, details on his professional credentials and notable achievements are not publicly disclosed.

    Alexander Villalobos-Morsink's questions to Regional Management Corp (RM) leadership

    Alexander Villalobos-Morsink's questions to Regional Management Corp (RM) leadership • Q2 2025

    Question

    Alexander Villalobos-Morsink from Jefferies questioned the future of revenue yields in a potential lower interest rate environment and asked about the potential to source lower-cost funding.

    Answer

    EVP, Chief Financial & Administrative Officer Harp Rana responded that revenue yield is determined by competitive pricing for the right customer and product. Regarding funding costs, he clarified that despite potential Fed rate cuts, the company's cost of funds is expected to rise as older, low-rate securitizations mature and are replaced at current market rates, guiding for an increase to 4.5% in Q4.

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    Alexander Villalobos-Morsink's questions to Regional Management Corp (RM) leadership • Q1 2025

    Question

    Alexander Villalobos-Morsink asked for more specific guidance on full-year expenses and requested details on consumer spending behavior, particularly whether the company's data indicated any pull-forward of demand.

    Answer

    CFO Harpreet Rana declined to provide full-year expense guidance but guided Q2 G&A expenses to be approximately $65.5 million, noting that while expenses will rise with loan volume, the company remains focused on prudent cost management. CEO Robert Beck addressed consumer behavior, stating they are not seeing evidence of accelerated or pull-forward spending, as their customer segment typically lacks the excess funds for such activity. He emphasized that recent expense growth was not from operational bloat but from strategic investments in growth, such as new branches and marketing, which are already generating positive returns.

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