Cassandra Ramirez
Amarillo,TX
Summary
Respectful Loan Officer with eight years of hands-on experience evaluating and authorizing various loans. Dependable professional polished in assembling loan packages, initiating loan applications and analyzing loan programs to match borrower's profile. Communicative team player with in-depth knowledge of banking products and associated services.
Overview
4
4
years of professional experience
Work History
Sr. Loan Consultant
Landmark Financial Advisory Services
Amarillo, TX
07.2020 - Current
- Provided support to loan applicants regarding the process and requirements for obtaining a loan.
- Researched and analyzed client financial information to determine eligibility for loans.
- Negotiated terms of loan agreements with clients including interest rates, repayment plans, fees, and collateral requirements.
- Managed customer accounts by obtaining payment information and updating records.
- Verified customer account balances and processed payments accordingly.
- Researched delinquent accounts to identify sources of delinquency, such as late payments or insufficient funds.
- Negotiated payment arrangements with customers who were past due on their accounts.
- Operated cash register to process cash, check, and credit card transactions.
- Developed detailed spreadsheets to track financial data and trends.
- Performed data entry and filing of documents into the organization's records system.
- Interpreted financial documents, such as credit reports, appraisals, title insurance policies.
- Advised customers on extended warranties, gap insurance, and credit life insurance as needed.
Branch Manager/Personal Loan Consultant
Sun Loan and Tax Services
Amarillo, Texas
08/20/16 - 06/30/20
- Managed staff scheduling, hiring and training processes.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Implemented internal control procedures to minimize risk exposure and maximize profitability.
- Developed strategies for collecting overdue payments while preserving customer relationships.
- Conducted skip tracing to locate debtors who had changed address or employment status without notifying creditors.
- Organized and maintained filing systems for confidential documents.
- Prepared and reviewed tax returns for individuals, partnerships, corporations and trusts.
- Advised clients on the best strategies for filing their taxes efficiently and legally.
Education
High School Diploma -
Caprock High School
Amarillo, Texas05-2010
Some College (No Degree) - Basics
Amarillo College
Amarillo, TexasSkills
- Loss Mitigation
- Professional Networking
- Collaborative Teamwork
- Collections proficiency
- Customer service-focused
- Relationship building and management
- Cash Handling
- Credit analysis
- Team Player
- Excellent time management
Timeline
Sr. Loan Consultant
Landmark Financial Advisory Services
07.2020 - Current
Branch Manager/Personal Loan Consultant
Sun Loan and Tax Services
08/20/16 - 06/30/20
High School Diploma -
Caprock High School
Some College (No Degree) - Basics
Amarillo College
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