The theme for the Young Mortgage Bankers Association (YMBA) October luncheon was "From Boutique to Behemoth.

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Caption: The theme for the Young Mortgage Bankers Association (YMBA) October luncheon was "From Boutique to Behemoth: The Resurgence of the Hotel Sector in NYC" and featured Richard Born of BD Hotels, Elif Bali, of Loews Hotels and Joseph Vassallo of Credit Suisse in a lively panel discussion. Pictured l-r: Brian Smalley, M & T Bank; Douglas Giles, First American Title; Elif Bali, Loews Hotels; Carly Berfas, HSBC; Angela Ortiz, YMBA Chairperson; Richard Born, BD Hotels; Joseph Vassallo, Credit Suisse; Mitch Berkey, Wolff Samson; Ron Cohen, Besen & Associates; Adam Horowitz, AFC Realty Capital; Kevin Monaghan, Donovan & Giannuzzi.