Ray's responsibilities are two-fold; under one hat, he oversees and performs due diligence of client accounts to ensure they are in harmony with our factoring process, and under the other hat, he manages our accounts receivable department. He fulfills this dual role with ease by alternating his focus between each arena, while ultimately holding the big picture in perspective.

A graduate of Gonzaga School of Law, Ray also has a B.A. degree in Domestic Public Administration from Eastern Washington University. Along with his wife and three children, he is hooked on Geocaching, or high-tech treasure hunting played with GPS devices and shared with others online. He also likes biking and is currently restoring an old boat with his family.

Ray served four year in the U.S. Army, two of which were in Germany, and he continued to serve for another four years in the Army National Guard.

Ray's solid commitment to our clients and the Universal family is invaluable.