Colorado Federal Savings Bank
Ray Carretta began their work experience as a Financial Advisor at Northwestern Mutual in 2003. Ray worked with customers to identify financial investment opportunities and managed the sales cycle. In 2004, they joined Provident Funding Associates as an Underwriter/Funder, where they achieved multiple levels of underwriting authority and conducted site visits to assist branches in need. Ray was promoted to Branch/Regional Lead in 2005, and later to Department Manager of Personnel and Analytics in 2011. In this role, they led personnel management functions and performed ad hoc reporting for the CEO and COO. In 2022, Ray Carretta was promoted to VP, Underwriting Operations at Colorado Federal Savings Bank, where they were involved in starting wholesale lending and drafting initial policies and lending guidelines.
Ray Carretta attended Penn State University from 1999 to 2003, where they earned a Bachelor of Science degree in Management Science and Information Systems.
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Colorado Federal Savings Bank
Colorado Federal Savings Bank is a federally insured bank serving communities across Colorado and the United States. Originally chartered in 1990 as a savings institution, but acquired by new ownership in 2008, today Colorado Federal operates as a non-branch direct banking platform. In addition to offering traditional consumer banking savings products, we provide unique real estate lending solutions to a variety of commercial clients nationwide. To help us achieve our goal of becoming a leading real estate oriented financial institution, we have built a close affiliation with Provident Funding Associates L.P., one of the largest and most highly respected non-bank mortgage originators and servicers in the nation. Colorado Federal Savings Bank and Provident Funding Associates, Provident Mortgage Trust and PointServ are separate companies under common ownership and control. By leveraging Provident's expertise and 20+ year track record of success we have created a banking institution capable of serving the varied needs of real estate borrowers, investors and developers. We are entrepreneurial, proactive and growth oriented and we look to serve customers of a similar mindset.