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JR Herlihy

Chief Operating Officer at Ellington Credit
Executive

About JR Herlihy

JR Herlihy is Chief Operating Officer (since April 2018) and Treasurer (since May 2017) of EARN; he is age 43 and a Managing Director at Ellington Management Group (EMG). He also serves as Chief Financial Officer of Ellington Financial Inc. (EFC) since April 2018 and previously held senior roles at Ellington Housing Inc. (EHR); he earned a B.A. in Economics and History from Dartmouth College, summa cum laude and Phi Beta Kappa . EARN’s compensation program for partially dedicated executives is discretionary without formulaic performance metrics; bonus and equity awards reflect committee judgment based on role, contribution, and company/EMG performance rather than fixed TSR/revenue/EBITDA targets .

Past Roles

OrganizationRoleYearsStrategic Impact
Ellington Management Group (EMG)Managing Director; various capacitiesApr 2011–presentSenior leadership at EMG supporting investment management and operations across platforms .
Ellington Housing Inc. (EHR)Co-Chief Investment OfficerSep 2012–Dec 2016Led REIT focused on single- and multi-family residential assets; portfolio management and strategy .
Ellington Housing Inc. (EHR)Interim Chief Financial OfficerMar 2015–Jan 2016Oversaw finance function during transition period .
GTIS Partners LPReal estate private equity professionalPrior to 2011Real estate investing experience; precursor to EMG roles .
Capmark Financial Group (formerly GMAC Commercial Mortgage)Various positionsPrior to 2011Mortgage finance and real estate operations exposure .
Jones Lang LaSalleVarious positionsPrior to 2011Real estate services experience .

External Roles

OrganizationRoleYearsStrategic Impact
Ellington Financial Inc. (EFC)Chief Financial Officer; TreasurerCFO since Apr 2018; Treasurer since May 2017Oversees finance for NYSE-listed credit platform; cross-functional alignment with EMG .
EMGManaging DirectorApr 2011–presentSupports EMG’s investment and risk oversight; personnel provisioning to EARN via services agreement .

Fixed Compensation

Metric202120222023
Base Salary (portion reimbursed by EARN to Manager)$49,500 $49,271 $51,000
Bonus (portion reimbursed by EARN to Manager)$58,500 $64,350 $90,405
Stock Awards (grant-date fair value)$81,010 $58,235 $63,754
All Other Compensation (dividends on unvested RSUs)$11,050 $11,344 $11,525
Total$200,060 $183,200 $216,684
  • EMG employment base salary (informational): $300,000 annual base salary in 2023 (EMG employment terms; EARN reimburses allocable portion) .

Performance Compensation

Incentive Cash Bonus & Deferral

YearBonus Amount (EMG-paid)Deferred %Deferred AmountDeferral UntilNotes
2022N/A in EMG aggregate; EARN deferred portion disclosed~28% $22,575 Dec 31, 2023 Discretionary bonus paid by EMG; EARN reimburses allocable share .
2023$106,250 ~36% $38,420 Dec 31, 2024 Committee approved reimbursement of EMG bonus; deferred portion subject to forfeiture prior to deferral date .
  • Dividends on RSUs paid while unvested: $11,525 received in 2023 .

Restricted Common Share Awards (RSUs)

Grant DateShares GrantedGrant-Date Fair ValueVesting ScheduleDividend Rights
Dec 15, 20228,122 Included in $58,235 2022 stock awards 50% vests Dec 15, 2023; 50% vests Dec 15, 2024 (continuous employment) Eligible; cash dividends paid at same rate as common .
Dec 14, 202310,040 Included in $63,754 2023 stock awards 50% vests Dec 14, 2024; 50% vests Dec 14, 2025 (continuous employment) Eligible; $11,525 dividends in 2023 .

Outstanding Equity Awards at Fiscal Year-End (Unvested)

As ofUnvested SharesMarket ValueKey Vesting Dates (counts)
Dec 31, 202110,702 $111,194 Dec 16, 2022 (3,884); Dec 17, 2022 (2,935); Dec 16, 2023 (3,883)
Dec 31, 202212,005 $82,354 Dec 15, 2023 (4,061); Dec 16, 2023 (3,883); Dec 15, 2024 (4,061)
Dec 31, 202314,101 $86,439 Dec 14, 2024 (5,020); Dec 15, 2024 (4,061); Dec 14, 2025 (5,020)

Equity Ownership & Alignment

Beneficial Ownership Over Time

Reference DateBeneficial Shares% of OutstandingShares OutstandingNotes
Mar 1, 202222,019 * (<1%) 13,109,926 Includes unvested RSUs scheduled 2022–2023 .
Mar 1, 202328,041 * (<1%) 13,781,492 Includes unvested RSUs scheduled 2023–2024 .
May 31, 202435,593 * (<1%) 20,474,793 Includes 2024–2025 vesting tranches .
Dec 9, 202435,593 * (<1%) 28,800,345 Includes 2024–2025 vesting tranches .
Apr 10, 202557,094 * (<1%) 37,559,195 Includes Dec 2025 and Dec 2026 vesting tranches .
  • Dollar range of equity securities beneficially owned (as of Apr 10, 2025): $100,001–$500,000 .

Upcoming Vesting Schedule (as disclosed)

Vest DateShares
Dec 12, 202511,687
Dec 14, 20255,020
Dec 12, 202612,659

Alignment Policies

  • Hedging/short sales prohibited for trustees, officers, and EMG personnel; no derivative transactions to offset declines in EARN securities are permitted .
  • Equity plan consists of restricted common shares; no stock option program outstanding under the plan (N/A exercise price) .

Employment Terms

TopicDisclosure
Employment AgreementsNo employment agreements with EARN for executive officers; executives are employed by EMG and made available to EARN .
Compensation StructureBase salary and discretionary bonus paid by EMG; EARN reimburses allocable portions for CFO and COO based on time spent; EARN may grant incentive equity .
Termination (other than cause or voluntary resignation)Deferred portion of cash bonus and outstanding unvested restricted common shares continue to vest per EMG employment contract .
Change of ControlRestricted common shares immediately vest under award agreements .
Administration Agreement ContextAs of Mar 31, 2025, no allocable compensation accrued under new Administration Agreement; estimate ~$1.6 million FY 2024 expenses including CFO/COO compensation would have been paid to Administrator if agreement were in place .
Dividend RightsRSU holders receive cash dividends at same rate and time as common shareholders (e.g., $11,525 to Herlihy in 2023) .

Investment Implications

  • Pay-for-performance linkage is discretionary rather than metric-driven; committee weighs role, contribution, and company/EMG performance with no explicit TSR/financial targets, limiting clear alpha-aligned incentives .
  • Upcoming vesting tranches in Dec 2025 and Dec 2026 (aggregate 29,366 shares) can create calendar-driven selling pressure depending on liquidity and personal diversification, though hedging is prohibited and dividends accrue pre-vesting, encouraging holding through vest dates .
  • Alignment via meaningful restricted stock exposure and continued vesting on termination (other than cause) reduces abrupt retention risk and provides downside protection on job transition, while immediate vesting on change-of-control creates incremental value capture in strategic events .
  • Absence of options and presence of RSUs indicate lower risk tolerance in equity mix; no pledging policy is not specifically disclosed, but hedging and short sales are prohibited, which curbs misalignment via derivatives .