Ralph Armenta has joined Incenter Lender Services as Lending-in-a-Box president. Incenter is a family of companies that collaborate on solutions to improve the financial and operational performance of both lenders and depositories.

In his new role, Armenta will be responsible for accelerating a variety of personal/non-mortgage and mortgage loan products into the market that generate accretive revenues and liquidity for lenders, depositories, independent mortgage banks, 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. Armenta will also be 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,” Incenter President Bruno Pasceri said. “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 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.”

Armenta brings 20 years of mortgage industry leadership experience to Incenter, most recently as senior vice president, enterprise sales, at Computershare Loan Services. Other previous positions include executive vice president and chief revenue officer for LoanFuel and managing director for 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 courses in corporate finance, macroeconomics and financial strategy.

“When Incenter introduced me to its Lending-in-a-Box strategy, I immediately wanted to sign on,” Armenta said. “Lending-in-a-Box is the most revolutionary and impactful mortgage concept I have seen, and an example of Incenter’s boundless creativity.”