Erhai was a Mortgage Pricing and Capital Markets Intern with us during the 2016 summer. We were not wrong in selecting Erhai as an intern based on his passion to learn and technical prowess. Almost from Day 1, Erhai became ingrained on our trading team as a daily contributor. Erhai has not performed as an intern with no knowledge. he has studied endless on his own to learn MBS, picked up very advanced topics quickly and contributed daily on our team on MPF loan pricing, RMBS/CMBS analysis, securitizations, credit risk transfer performing sophisticated analyses for the Desk. Erhai was the most productive intern I've had in my career and should be a strong contributor to any firm in his future.

Erhai was a Mortgage Pricing and Capital Markets Intern with us during the 2016 summer. We were not wrong in selecting Erhai as an intern based on his passion to learn and technical prowess. Almost from Day 1, Erhai became ingrained on our trading team as a daily contributor. Erhai has not performed as an intern with no knowledge. he has studied endless on his own to learn MBS, picked up very advanced topics quickly and contributed daily on our team on MPF loan pricing, RMBS/CMBS analysis, securitizations, credit risk transfer performing sophisticated analyses for the Desk. Erhai was the most productive intern I've had in my career and should be a strong contributor to any firm in his future.

Erhai was a Mortgage Pricing and Capital Markets Intern with us during the 2016 summer. We were not wrong in selecting Erhai as an intern based on his passion to learn and technical prowess. Almost from Day 1, Erhai became ingrained on our trading team as a daily contributor. Erhai has not performed as an intern with no knowledge. he has studied endless on his own to learn MBS, picked up very advanced topics quickly and contributed daily on our team on MPF loan pricing, RMBS/CMBS analysis, securitizations, credit risk transfer performing sophisticated analyses for the Desk. Erhai was the most productive intern I've had in my career and should be a strong contributor to any firm in his future.