Ann Marie Ramiz
Freehold,NJ
Summary
Hardworking highly motivated driven employee with excellent follow up, multitasking and time management abilities. Strong work ethic, adaptability and exceptional interpersonal skills. Devoted to giving 100%.
Overview
30
30
years of professional experience
Work History
Real Estate Agent
O"Brian Realty
Monmouth Beach, NJ
04.2021 - Current
- Manage Real Estate transactions with Buyers and Sellers from initiation to closings.
- Provide guidance to clients throughout the entire buying or selling process.
- Responded promptly to client inquiries via phone or email.
- Prepare documents such as representation contracts, purchase agreements, closing statements, deeds and leases.
- Prepare comparative market analysis to estimate properties' value.
- Facilitate real estate purchases by reviewing listings, accompanying clients to properties and communicating sale conditions.
- Coordinated appointments to show homes to prospective buyers.
- Manage sales pipeline by actively following up with prospects and hot leads.
- Advise clients on market conditions, prices, mortgages, legal requirements and related matters.
- Negotiate purchase agreements and contracts with buyers and sellers.
- Promote property sales through advertising campaigns, open houses, participation in multiple listing services and Broker Open Houses.
- Verify accuracy of documentation and fund disbursements for sales.
- Attend property inspections and appraisals to ensure compliance with applicable regulations and standards.
- Ensure all transactions followed state laws regarding real estate practices
- Develop networks with appraisers, lenders, and home inspectors, attorney's to facilitate real estate transactions.
- Network with industry contacts to expand knowledge of real estate markets and best practices.
- Attend industry events such as conventions and seminars.
- Participated in community outreach programs to promote services offered by the company.
Real Estate Agent
Bayfront Realty
Brick, NJ
11.2005 - 04.2021
- Same respodablities as above
Wholesale Sales Manager
Citizens Community Bank
Marlboro , NJ
05.2002 - 01.2010
- Manged Team of Loan Officers, helping facilitate Leads.
- Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
- Identified valuable solutions for customers with credit problems.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Educated customers on various aspects of mortgage financing options available.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Order Home Appraisals, Title and informed Clients on Homeowners Insurance Adjustments.
- Kept detailed records regarding approved, denied and received loan applications.
- Prepared loan documents such as commitment letters, closing statements, promissory notes and deed of trust.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
Merchandise Allocator
Century 21 Departments Stores
New York, NY
07.1995 - 04.2002
- Examined inventory levels for all stores on regular basis, verifying supply adequacy against expected sales.
- Utilized software systems such as SAP and ERP for order processing and tracking all inventory.
- Calculated, established and managed modification of stock levels.
- Analyzed data from multiple sources including POS systems, ERP systems, for better decision making.
- Consulted with management to plan optimal promotions.
- Monitored stores performances to adjust allocations accordingly.
- Worked closely with vendors to ensure timely delivery.
- Maintained accurate records of product deliveries, returns, and transfers between stores.
- Taught sales staff to properly coordinate racks, counter displays and signage to maximize promotional effectiveness.
- Created retail displays to highlight particular products and drive sales according to corporate strategy.
- Developed creative visual merchandising to focus on selling older inventory.
- Demonstrated great teamwork with Warehouse Manager transporting merchandise from Warehouse to all store locations.
- Analyzed sales data to determine the optimal amount of inventory for each store location.
- Created weekly reports on stock levels, sell-throughs, and other metrics.
- Assessed data reports on store purchases to better understand popular and unpopular merchandise.
- In charge of Monthly Store Street Window Display New York Location.
Assistant Buyer
ESCADA
Hasbrouck Heights, NJ
06.1994 - 06.1995
- Prepared purchase agreements and requirements such as delivery schedules.
- Entered new purchases into Computer to keep records updated along with delivery schedules.
- Break out all New inventory from the warehouse to the stores.
- Kept inventory within ideal minimum and maximum levels for each store.
- Implemented strong product marketing strategies by collaborating with Store Managers/Sales teams.
- Reviewed previous sales to analyze our customer purchases, forecast clothing sizes for upcoming season.
- Collaborated with Senior Buyer regarding product pricing, promotions and markdowns.
- Tracked product and supply inventories and reported findings to Senior Buyer.
- Created weekly and monthly sales performance reports for management review.
- Collaborated with company managers regarding product pricing, promotions and markdowns.
- Maintained accurate records of all purchasing activities including order status, invoices, returns.
- Ensured compliance with corporate policies regarding purchasing procedures and ethics.
Education
Bachelor of Science - Business Management/Marketing Management
Fashion Institute of Technology
New York, NY05.1994
Skills
- Digital marketing
- Foreclosures specialist
- Client management
- Negotiation
- Short Sale Foreclosure Resource (SFR)
- Promotional planning
- Merchandising
- Retail display setup
- Distribution experience
- Vendor invoicing
- Inventory coordination
- Purchase orders
- Supplier relations
- Excellent Communicator
Timeline
Real Estate Agent
O"Brian Realty
04.2021 - Current
Real Estate Agent
Bayfront Realty
11.2005 - 04.2021
Wholesale Sales Manager
Citizens Community Bank
05.2002 - 01.2010
Merchandise Allocator
Century 21 Departments Stores
07.1995 - 04.2002
Assistant Buyer
ESCADA
06.1994 - 06.1995
Bachelor of Science - Business Management/Marketing Management
Fashion Institute of Technology
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