Ray Schalk, Over 25 years in the performing and non-performing asset industry. Expertise in analytics, valuation and risk analysis of fixed income assets, including residential, commercial and consumer loans, loan originations and underwriting, exit pricing strategies, conforming and specialized servicing, and capital markets operations, Financials & Accounting.

• Perform analytics to determine and execute best exit strategies of monthly mortgage production through whole-loan trades, securitization or retained portfolio• Transacted more than $25 billion in non-prime, Alt-A, securitizations, 2nd Liens and Scratch & Dent loans• Negotiated deal points and executed final pricing via complex internal pricing model and/or forward agreements, final underwriting results and changes in markets conditions.• Managed all data distribution processes with internal groups and external counterparties including potential loan buyers, rating agencies and Investment Bankers • Regular ad-hoc reporting• Integrate all new loan products or product changes Into internal pricing model• Develop and manage the production of rate sheets for in house products• Coordinate with securitization group to develop ideal whole loan pool population on a quarterly basis

Online Commercial Underwriting group