Ray is an SRA Managing Director with deep experience in credit and special assets. Since January 2016, following a 21-year career in community banking, Ray has led several loan review and credit due diligence engagements for banks and bank investors. In addition, he has provided special asset advisory services for a number of community bank clients. Prior to joining SRA, Ray was a Senior Vice President for First Capital Bank, a $600 million community bank based in Richmond, Virginia, where he served as a commercial lender and the Head of Special Assets. He successfully led the execution of First Capital’s $38 million asset resolution plan, the centerpiece of an $18 million capital raise led by a well-known community bank investor. Immediately prior to joining First Capital in 2001, Ray was a commercial lender for a Richmond community bank later acquired by BB&T.
Ray earned a Bachelor of Science in Business Administration degree with a concentration in Finance and Management Systems from the University of Richmond. He is also a graduate of the VBA School of Bank Management.