Meet the Team

Since 2007, Adham Sbeih has been a Principal at Socotra Capital. Adham manages the loan origination, processing, funding, and servicing of all loans and investments at Socotra Capital. The founding partner of the firm, Adham is responsible for Socotra Capital funding more than $1 billion in private money loans across 22 different states. Adham’s key criteria in underwriting focus on integrity and reliability, for investors and borrowers alike. Adham is a recognized industry expert and a guest speaker at lending and real estate investment events throughout California.

Prior to founding Socotra Capital, Adham had worked in banking as a commercial real estate lender and at a commercial capital company funding Small Business Association loans. His experiences in the banking and lending industry had a significant impact on the types of loans and structure of loans that Socotra Capital makes today.

When not at the office working Adham can be found playing chess, training his Belgian Malinois dog, or cheering on his beloved Pittsburgh Steelers.

Bureau of Real Estate #01792876, NMLS #304661

Roy Malone is the President of Herzer Financial and CEO of Socotra Capital. Prior to joining Socotra, Roy was one of the founding executives and President of Golden Pacific Bank. Over the past 30+ years, he has filled many executive and operational roles, primarily in the community banking space. Roy maintains a real estate brokers license as well as a general contractors license.

Roy grew up in the Sacramento area. He attended UC Davis and graduated from California State University of Sacramento with a BS in Business Administration concentrating in Real Estate and Land Use. He has served on several boards, is a member of the FBI Citizens Academy, and manages a private venture capital fund.

Roy and his wife Trisha raised their four kids (now adults) in El Dorado County. When he’s not at work or with family, he is often competing in multi-day endurance events in wild parts of the world.

Tony Ingoglia is the Chief Strategy Officer at Socotra Capital, also serving on the board of advisors since the company was established in 2007. In this role, he is responsible for developing, communicating, and executing Socotra's underwriting and strategic investment initiatives, ensuring Socotra Capital delivers to investor's risk-adjusted return expectations.

Tony has spent the past decade leveraging his corporate finance expertise. Prior to joining Socotra Capital, Tony served as a Corporate Finance Manager at Intel Corporation, a global leader in the semiconductor industry, from 2011 to 2017 in an operations finance capacity. In 2010, Tony had the opportunity to be a part of the Financial Crisis Inquiry Commission, a bipartisan commission tasked with investigating the cause of the financial crisis of 2007 to 2010. The commission’s report cited regulatory failures, lapses in corporate governance, and excessive leverage as key factors contributing to the financial crisis.

Tony began his career in corporate finance in 2006 at Tony's Fine Foods, now a wholly owned subsidiary of United Natural Foods Inc., also serving as an independent shareholder representative on the Board of Directors.

Mr. Ingoglia earned his undergraduate degree from Rutgers University and holds an M.B.A. in finance from the University of California, Davis: Graduate School of Management.

Paul Cotter is the Chief Operating Officer at Socotra Capital. He joined Socotra after nineteen years of legal practice representing developers, property owners, and contractors in real estate-related litigation. A licensed real estate broker in California, Paul joined Socotra Capital in 2015 to head the operations department and serve as general counsel.

Raised in the Los Angeles area, the youngest of seven children, Paul attended high school in Rolling Hills Estates, California. He graduated from the University of California at Irvine with a Bachelor’s degree in History, where he rowed varsity crew. He attended the University of the Pacific, McGeorge School of Law in Sacramento, and became a member of the California Bar in 1995. Paul worked in construction litigation in Orange County, California for three years, before moving to Sacramento in 1998 to continue his legal career in partnership with his older brother. His practice focused on construction and real estate litigation, primarily representing contractors, developers, and other landowners.

Outside of work, Paul serves on the board of directors of a local charity and is active in his church. His interests include motor racing of any kind, ice hockey, and music. He and his wife are kept busy raising their children.

Coming to Socotra Capital in 2012 after an extensive career in sales with Mercedes-Benz and Volkswagen, Chris rose to become the Business Development Team Leader at Socotra Capital, as the top Loan Originator in the San Francisco Bay Area and Northern California. An active member of his community, Chris guides others in professional development and is a member of numerous professional associations throughout California.

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Bureau of Real Estate #01907957
Direct: 916-277-9304
Cell: 916-308-8896
chris@socotracapital.com

Kerati Apilakvanichakit joined Socotra Capital in 2014 while graduating from the University of California, Davis with degrees in political science and economics. Growing up in San Francisco and attending college in Davis, Kerati is a top performer, providing solutions for Turbo Close® on residential and commercial properties. 

Sacramento Business Journal's 40 under 40 2026 Honoree

Graduating from the University of California, Davis with two degrees in economics and biochemistry, Matthew Yu is an excellent problem solver, cleverly crafting fixes for unique scenarios. A loan originator since 2013, Matt concentrates on the California Bay Area and Seattle, Washington markets. Matt grew up in San Francisco, enjoys fishing as often as possible and playing his drum set, and is happily married to his high school sweetheart.

Bureau of Real Estate #01907957
Direct: 415-513-5390
Cell: 415-264-9720
matthew@socotracapital.com

Keith Rejino is a Senior Underwriter at Socotra Capital. He joined Socotra after over sixteen years in commercial real estate, working in consulting, banking, and real estate syndication. He has analyzed, underwritten, and valued over $1.0 billion in commercial real estate. A licensed real estate agent, he joined Socotra Capital in early 2026.

Raised in Southern California, Keith earned a Bachelor’s degree in Business Administration, with a concentration in Financial Management, from California State University, Fullerton.

Keith started his career working as an analyst and asset manager for a commercial real estate bridge and construction lender before moving on to real estate syndication where he oversaw all underwriting and asset management. Learning from his teammates in banking, Keith became an expert in designing underwriting models for condo conversions, multifamily and ground up construction projects.

Later in his career, Keith was a Senior Underwriter with Credit Approval Authority at a community bank before returning to commercial real estate syndication as a consultant working on large land development projects throughout Northern California.

In his off time, Keith enjoys mountain biking, running and exploring the outdoors.

Corey joined Socotra Capital in 2020 and brings years of experience in both mortgage and consumer lending. A Scramento native, he earned his bacherlor's degree in Government-Journalism at Sacramento State. In his spare time he can be found at a park or bouncehouse with his daughter, trying out new restaurants or traveling.

corey@socotracapital.com

Born and raised in Sacramento California. Ratishia Williams started working for Socotra in Jan 2021, bringing in 10+ years of loan servicing experience as loan servicing supervisor, Ratishia manages the daily service flow of loans. She is a mother to 2 boys and her fur baby. She enjoys traveling with her Fiancée' and spending time with her family when she isn't working.

ratishia@socotracapital.com

Zachary Sharron is a results-driven operations leader with over a decade of specialized experience in loan servicing, default management, bankruptcy administration, and regulatory compliance across banking, private capital, and credit union environments. He excels at developing standard operating procedures and training programs, resolving operational challenges, delivering financial metrics, leading audits, and driving systems integrations that enhance efficiency and ensure regulatory compliance.
Previously, Zachary has held progressive leadership positions with nationally recognized fintech, credit-union, and banking organizations. Zachary brings expertise in vendor management, portfolio performance analytics, loss mitigation, REO asset management, and cross-functional collaboration. He holds an Associate in Arts Degree, A.A. and a Bachelor of Science Degree, B.S. in Business Administration from Liberty University. He is known for optimizing processes and driving measurable improvements

RaeAnne Cuevas joined Socotra Capital in 2019 to be the investor representative at every step of the investment process. Originally from the San Francisco Bay Area,  RaeAnne earned her bachelor's degree in Sociology from San Diego State University. When she’s not in the office, RaeAnne enjoys reading, traveling, and spending time with her son.

rcuevas@socotracapital.com

Tami joined Socotra in 2013 and has attended Tamalpais High School in Mill Valley. Tami has graduated from the University of Kansas with a degree in History. She likes to read and bake in free time and visit her family in Bay Area.

tami@socotracapital.com

Elizabeth joined Socotra Capital in 2018 as a loan servicing processor and has over 15 years of customer service. Originally Elizabeth is from Louisiana and she loves Cajun food and her New Orleans Saints Football team. Elizabeth enjoys spending time with family & friends and visiting different wineries throughout area.

elizabeth@socotracapital.com

Helen has worn many hats at Socotra Capital: she first started working in 2015 as a Business Associate in Loan Origination. In 2016, Helen graduated college with a Bachelors degree at UC Davis, majoring in Economics, & minoring in communications. At which point, she changed roles as the Operations Assistant with Socotra and mainly assisted the Funding Dept. Then in 2017, Helen started working in the Loan Servicing Dept. and helped manage investor relations.

helen@socotracapital.com

Lucy has 6 years of experience working on mortgage loans in various companies and positions in multiple states. Her experience in the industry includes both commercial and residential loan types from funding coordination to boarding loans, she does it all. In her free time, she likes to read, scrapbook, and spend time with her 3 kids and 2 cats.

lucy@socotracapital.com

Mr. Dexter is born and raised in Holland. His favorite pasttimes include sitting by the door, chasing squirrels, and sneaking treats!