Christopher M. Garcia
CEO & Chief Investment Officer
Mr. Garcia is Chief Executive Officer of Wilshire Quinn Capital Inc. and Chief Investment Officer of the Wilshire Quinn Income Fund LLC. Mr. Garcia oversees all aspects of the Fund’s day-to-day operations, including loan acquisition, underwriting and investor relations.
In 1998, Mr. Garcia began his career as an assistant equities broker in the Encino, California offices of Merrill Lynch. In 2000, he became a registered commodity trader, and as a result of his efforts, quickly became one of the country’s largest retail traders of interest rate derivatives. Capitalizing on this success, Mr. Garcia formed Wilshire Quinn Capital in 2004, with the vision of offering a diverse range of world-class investment products for his firm’s clients.
Mr. Garcia launched the Wilshire Quinn Income Fund in September 2011, seeking to offer new and existing clients an investment product secured by real estate with low correlation to the equity and bond markets. Under his leadership and guidance, the Fund has realized high single-digit returns on an annual basis, without any monthly drawdowns or the use of leverage.
Mr. Garcia continues to outperform the overwhelming majority of credit and fixed income funds, both domestic and international, by employing a customer-first mentality and disciplined asset-based investment approach. During his 17-year career as CEO, Mr. Garcia has fostered numerous relationships with investors, borrowers, bankers and financial professionals. The leadership teams he manages are strategic and focused on creating value for their customers.
Mr. Garcia resides in San Diego and supports various organizations throughout Southern California, including the San Diego Foundation, the Ocean Institute, the High Country Boys and Girls Club, and his alma mater Loyola High School.
Mr. Garcia received his bachelor’s degree from the University of California, Los Angeles (UCLA) and an MBA from Pepperdine University.
Matthew is the Managing Director at Wilshire Quinn and has been involved in all phases of the Fund’s growth since joining the firm in 2012. Matthew is principally responsible for capital raising and investor growth opportunities, as well as new loan originations. Matthew also plays an integral role in forming the Fund’s sales and marketing strategies.
Prior to joining Wilshire Quinn, Matthew worked for the multinational marketing company Publicis Groupe in San Francisco and nationwide small business lender Reliant Funding in San Diego.
Originally from the Bay Area, Matthew lives in downtown San Diego and is a frequent beachgoer and sports enthusiast. He supports various local organizations, including the Salvation Army and Wounded Warrior Project.
Matthew graduated from the University of Hawaii’s Shidler College of Business with a bachelor’s degree in finance, and earned his MBA from the University of Mississippi.
Chief Administrative Officer
Emily joined Wilshire Quinn in April 2021 and is responsible for transaction processing, tracking the Fund’s cash flows, and communicating with borrowers and investors.
Emily also manages investor files, performs data validations, coordinates meetings and travel arrangements, and ensures day-to-day operations run smoothly and efficiently.
She began her career in the tax and accounting industry and continues to utilize that knowledge in her daily role at Wilshire Quinn.
Born in the Bay Area, Emily currently resides in downtown San Diego. In her spare time Emily enjoys yoga and regularly visits the beach . Emily supports Goodwill Industries and the San Diego Humane Society.
A graduate of San Diego State University, Emily holds a bachelor’s degree in psychology.
Senior Loan Originator
Jeremy sources new loan opportunities for Wilshire Quinn by establishing and maintaining broker and borrower relationships. Since joining the firm in 2018, he has helped to expand Wilshire Quinn’s borrower network.
Mr. Hammer began his career in the lending industry in 2012 by originating loans for nationwide lenders, Citigroup and Freedom Mortgage, in their personal loan and home mortgage divisions. With the experience and knowledge garnered in his previous endeavors, he has been a valuable contributor to the Wilshire Quinn team.
Originally from Maryland, Mr. Hammer currently resides in San Diego, and is an active member in several athletic communities in the area. He is also passionate about helping the local homeless community and supports the Alpha Project for the Homeless in San Diego.
Mr. Hammer graduated from West Virginia University and holds a bachelor’s degree in Business, Communications, and Economics.
Senior Loan Coordinator
Randy joined Wilshire Quinn in 2021 and is responsible for overseeing the coordination of loans and data collection during the underwriting process.
Randy works closely with borrowers, brokers, title officers, escrow agents, and appraisers to ensure loan transactions close quickly and efficiently. Randy also helps oversee the servicing of Wilshire Quinn’s current loan portfolio and works closely with our loan servicer and borrowers after loans are funded.
Randy has had a distinguished management career in distribution and logistics, with over 25 years of combined experience with global companies such as Newell Rubbermaid, Jarden Home Brands, and DHL.
Born in Iowa, Randy currently resides in San Diego. An avid outdoor and sports enthusiast, Randy enjoys hiking and running during his free time. Randy supports various organizations such as the American Cancer Society, Cystic Fibrosis Foundation, and Wounded Warrior Project.
A graduate of Iowa State University, Randy holds a bachelor’s of science degree in psychology.