Ray Gatten

Ray has over 35 years of experience in the financial industry and brings a wealth of expertise in structured finance and capital markets. He is known for his creativity and problem-solving abilities as manifested in several unique financing. These include prison securitizations, manufactured housing deals, multiple first-time securitizations, structured financings of esoteric and emerging assets, non-performing CRE loans, subprime auto, and water company refund contracts. He played a leading role in an industry-first marketplace lending securitization using Lending Club unsecured consumer loans. He served in senior positions at RBC Dain Rauscher, First Tennessee, Paine Webber, Wachovia, and Merrill Lynch. Ray graduated from the University of North Alabama, where he was an Arts and Speech major.