Ralph Armenta Joins Incenter Lender Services as President, Lending-in-a-Box
19 Agosto 2024 - 8:00AM
Business Wire
Leader Is Responsible for Mortgage and
Non-Mortgage Products that Generate More Revenue and Liquidity for
Lenders, IMBs, Credit Unions, and Servicers
Ralph Armenta, a seasoned mortgage, secondary and capital
markets, and fintech leader, has joined Incenter Lender Services
(Incenter) as President, Lending-in-a-Box. Incenter is a family of
companies that collaborate on new solutions to improve lenders’ and
depositories’ financial and operational performance, which clients
can leverage on an “as-needed” basis to increase revenues without
additional fixed costs.
In his new role, Mr. Armenta is responsible for accelerating a
variety of personal/non-mortgage and mortgage loan products into
the market that quickly generate accretive revenues and liquidity
for lenders, depositories, independent mortgage banks (IMBs),
community banks, and credit unions, along with their servicing and
subservicing partners. These will be offered through Incenter’s
digital Lending-in-a-Box platform on a “plug and play”
basis—helping clients start building a new revenue stream, with
marketing support, within weeks. He is also charged with optimizing
product pricing strategies to ensure the maximum benefit for all
Incenter customers.
“Incenter is fortunate to add Ralph to our team as our clients
seek a new infusion of growth,” said Bruno Pasceri, President. “He
is recognized for his insightful business analyses and innovations
aimed at lifting the housing finance industry. This industry is at
a watershed moment where the ability to offer non-traditional
products like student, auto or personal loans, or to tap into
demand for residential transition loans (RTLs) or second-lien
products, can offer a long-term advantage. Ralph will help our
clients enter new spaces while providing additional opportunities
for the secondary and capital markets.”
“When Incenter introduced me to its Lending-in-a-Box strategy, I
immediately wanted to sign on. Lending-in-a-Box is the most
revolutionary and impactful mortgage concept I have seen, and an
example of Incenter’s boundless creativity,” said Mr. Armenta.
The first “plug and play” Lending-in-a-Box offering is
Student-Loan-in-a-Box from Incenter company CampusDoor, which
enables lenders to offer private student loans and refi’s without
any capital investments, default or compliance risks, or
operational costs. On the back end, CampusDoor’s expert
underwriters, technology professionals and call center staff handle
every aspect of loan processing from application to disbursement,
and coordinate with servicing and investment partners.
Mr. Armenta brings 20 years of mortgage industry leadership
experience to Incenter, most recently as Senior Vice
President-Enterprise Sales at Computershare Loan Services, where he
was recognized as a top salesperson two years in a row. Other
previous positions include Executive Vice President and Chief
Revenue Officer, LoanFuel and Managing Director, Compass Analytics.
A noted industry content contributor, he has been an Adjunct
Professor for the past 20 years at New York’s Empire State
University teaching undergraduate and graduate-level courses in
corporate finance, macroeconomics and financial strategy.
He can be contacted at ralph.armenta@incenterls.com.
About Incenter Lender Services
Incenter is a family of companies committed to helping lending
and depository institutions maximize their financial and
operational performance and leverage new pathways to growth.
Incenter’s offerings include capital markets, loan diligence,
student lending, insurance, property tax, accounting and marketing
solutions, which clients can leverage on a variable-cost basis.
More information is available at incenterls.com.
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Dawn Ringel Dawn.ringel@incenterls.com or 617-285-0652