Author Bio Began my career as a trader for NYC hedge fund Elliott Management. Worked for Bear, Stearns in London as a trader, then became an analyst at several hedge funds. Currently CFO for a mortgage bank. Also author a daily blog on real estate called The Daily Tearsheet www.thedailytearsheet.com Follow @TMFBrentNyitray This year has been difficult for the financial sector. COVID-19 has caused problems for almost every firm with credit risk, especially banks and real estate investment trusts (REITs). About the only group that has done well is mortgage originators, who are having a year for the ages. Another that has done surprisingly well is auto finance.