Kyle Ross, Chief Executive Officer

Kyle Ross is the Chief Executive Officer, President, and Chief Investment Officer at Elah Holdings, Inc. Mr. Ross held the CEO, President and CIO role and was a member of the Board at Real Industry from August 2016 to November 2017 and prior to that served as its Chief Financial Officer since March 2011. Mr. Ross was part of the team that sponsored the Company’s predecessor entity, Fremont General Corporation’s ("Fremont") reorganization process in bankruptcy, joining the reorganized entity as an Executive Vice President in June 2010. Prior to participating in the Fremont bankruptcy, Mr. Ross was a cofounder of Signature Capital Partners, LLC, a special situations investment firm formed in 2004. Mr. Ross was directly involved in all of Signature Capital’s investment activities. Mr. Ross began his career with the investment banking firm Murphy Noell Capital where he was directly involved in more than 20 transactions, including both healthy and distressed mergers and acquisitions, capital raises, and debt restructurings. Mr. Ross holds a Bachelor of Science degree and a Bachelor of Arts degree from the Haas School of Business and the College of Letters and Science, respectively, at the University of California, Berkeley.

Michael Hobey, Chief Financial Officer

Michael Hobey is currently the Chief Financial Officer of Elah Holdings. Previously, Mr. Hobey served as President and Interim CEO at Real Industry from November 2017 and thru the period of its restructuring, along with serving as its Chief Financial Officer, a position he held since September 2016. Prior to that, he served as CFO of Real Alloy and, prior to its acquisition by Real Industry in February 2015, Mr. Hobey served as the CFO of the Global Recycling & Specification Alloys business unit of Aleris. Mr. Hobey joined Aleris in June 2006 as Vice President, Corporate Development and was named Vice President and Treasurer in July 2009. Before joining Aleris, he served as Vice President in the Investment Banking Division at Citigroup Global Markets and held various positions with McDonnell Douglas and Boeing immediately following college. Mr. Hobey holds a Bachelor of Science degree in Mechanical Engineering from Brown University and a Master of Business Administration degree from the Sloan School of Management at the Massachusetts Institute of Technology.

Kelly Howard, Executive Vice President, General Counsel

Kelly G. Howard has served as the Company’s General Counsel, Executive Vice President and Corporate Secretary since 2016. Prior to joining the Company, Kelly was a Partner for five years in the Corporate Group of Crowell & Moring LLP, a firm she joined as an associate in 2005. While with Crowell, Kelly’s work on behalf of the Company began in spring 2013. Kelly’s prior practice was focused on securities, mergers and acquisitions, capital raising, board counseling and general corporate matters, advising public and private companies, hedge funds, private equity firms, individual investors, corporate executives and entrepreneurs. Previously, she was an associate with Miles & Stockbridge, PC in the Corporate and IP departments.

Kelly earned her Juris Doctorate degree from the University of Virginia School of Law in 2002, and her Bachelor of Science degree in Biology with a Minor in Chemistry from the University of North Carolina at Chapel Hill in 1999.