Ray Webber Email and Phone Number

MIAC is the preferred destination for sophisticated mortgage industry participants offering transaction execution services, secondary market hedge advisory solutions, third-party mortgage asset valuations, as well as state-of-the-art valuation and risk models incorporating a full range of consumer behavioral risk factors.

National mortgage industry sales manager for the Walz Group's critical documentation outsourcing and compliance services. Responsible for new business development efforts for all mortgage servicers for WALZ default compliance solutions. Walz mortgage lending subject matter expert. Mortgage Servicing Industry Blog contributor.

Managed conventional and goverment product management & developmemt activities for all production channels including; retail, wholesale and correspondent lending. Also had oversight responsibility for Stonegate's Freddie Mac integration efforts, product guide management and mortgage product research.

Account Manager for subservicing and master servicing sales for top 10 US mortgage servicing operations.• Directed brand development, marketing and client integration of mortgage subservicing and master servicing, during sale from Lehman estate (LBHI) to NationStar. • Reestablished relationships with more than 400 mortgage lending institutions.• Created relationships with private equity and several large banks, and developed acquisition interest in Aurora’s servicing assets and operations platform.

Assisted strategic marketing efforts for 3rd party mortgage vendors through personal contacts with national and regional mortgage lenders, mortgage insurers, investors and GSEs. Customers included loss mitigation law firm, catastrophic insurance service provider, servicing outsourcing group, and equity protection start up.• Analyzed feasibility and P&L of revolutionary satellite-based property inspection service. • Introduced clients to mortgage insurance executives, GSE national and regional, and mortgage servicing executives, participated at MBA servicing and secondary market forum s. • Provided feasibility, P&L feedback, investor perspective and mortgage industry executive access for cutting edge futures / derivatives based equity protection product.

Managed Fannie Mae / Freddie Mac and vendor relationships, retail and wholesale branch development and secondary market best execution strategy for a forward and reverse mortgage originator, servicer and government MBS issuer.• Improved GSE pricing via reduced guaranty fees and more accurate servicing value; developed conforming loan best execution model.• Analyzed new opportunities and integrated new branch operations seamlessly.

Directed 15 regional and national mortgage originators for leading private mortgage insurance / credit enhancement entity. Supervised team of junior national account managers. • Developed, mentored and managed #1 ranked account team that achieved 140% of goal.• Managed and monitored troubled accounts to the benefit of the lender, Radian and affected investors.• Developed and implemented lender-based pricing and managed lender reinsurance issues.

Transitioned Irwin product development team to Freedom Mortgaga management. Documented and transitioned Irwin Re responsibilites over to Irwin Financial.

Led product management and development for government (FHA, VA, USRD), GSE (Fannie Mae & Freddie Mac) affordable housing and alliance initiatives, and private investment vehicles. Hired and managed product development managers. Managed captive mortgage reinsurance (MI) subsidiary and MI relationships.• Achieved $2B incremental income in new loan production, an increase of 20%.• Negotiated master agreements pricing with Fannie Mae, Freddie Mac, Federal Home Loan Bank of Indianapolis as well as Wall Street and private equity mortgage investors.• Produced $2-3M gross annual income from reinsurance subsidiary Irwin Re.

Provided subprime / alternative product management, development, and sales support.• Led cross divisional integration team between Retail Home Equity Lending and affiliate First USA resulting in 20% increase in home equity credit card usage, improved activation rates by 15%. • Performed several functions including marketing, product management and sales management during period of dynamic industry and company change.

Led product development for Bank One’s national finance company Banc One Financial Services. • Developed and deployed 1st and 2nd lien subprime finance company loan products prior to sale to Household Finance.

Mid-west regional manager, $12MM annual budget, 13 state territory including 12 national lenders, 28 sales territories, 5 branch offices and 65-70 sales and operations professionals. • Achieved highest regional volume and market share while managing lowest regional loss ratio and coordinated GE’s Six Sigma efforts. Received GE Capital Summit Award.

B2B sales and customer relations for mortgage insurance, mortgage conduit and flood services to lenders. • Increased market share 50% in 3 years, re-established relationships with national lenders domiciled in Indiana. Received GE Capital Summit Award

Managed all facets of pricing and product management/ development during Verex, Foremost Guaranty, Integon and FGIC acquisitions. • Created and implemented innovative product that increased company market share 12%.Product Manager (1986 – 1990)• Received Summit Award and GE stock options.