David Ramirez
Laredo,Texas
Summary
Detail-oriented Mortgage Loan Officer with 12 years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success.
Seasoned Respiratory Therapist with 6 years of experience in healthcare locations and community-based settings. Highly skilled in patient assessments, blood gas analysis and interpretation and airway management. Successful at implementing best practices to advance respiratory therapy outcomes.
Overview
1
1
Certification
Work History
Mortgage Loan Officer
InterLinc Mortgage Services LLC
Spring, TX
03/17/24 - Current
- Submitted applications to credit analysts.
- Informed customers of application deadlines, approvals and denials.
- Developed and maintained relationships with local real estate agents.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Gathered client debt, credit and income information to determine loan eligibility.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
Mortgage Loan Officer /Office Manager
Motto Mortgage
Laredo, TX
06/03/19 - 03/17/24
- Informed customers of application deadlines, approvals and denials.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Helped clients fill out loan applications and find ideal loan options.
- Complied applications and paperwork and double-checked for accuracy.
- Educated customers regarding actions and strategies for debt repayment.
- Gathered client debt, credit and income information to determine loan eligibility.
- Kept detailed records regarding approved, denied and received loan applications.
- Identified lending risks and implemented strategies to reduce loan defaults.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Performed periodic quality control reviews on completed files prior to funding.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Resolved borrower complaints in a timely manner while providing excellent customer service.
- Provided exceptional customer service throughout the entire loan process.
- Attended closings to provide support and address any concerns/questions.
Loan Officer
Gateway Mortgage Group, LLC
San Antonio, TX
07/20/16 - 05/15/19
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
Respiratory Therapist
Laredo Medical Center
Laredo, TX
05/01/12 - 07/15/16
- Set up and monitored mechanical ventilators and handled associated critical care duties.
- Conducted cardiopulmonary resuscitation and airway maintenance.
- Interacted with patients, family members and physicians to coordinate patient care.
- Evaluated patients for deficiencies and abnormalities and made medical decisions based on assessments.
- Administered medication, monitored vital signs and assisted in the delivery of medical gases to patients.
- Instructed patients on proper use of respiratory equipment including oxygen therapy, ventilators and aerosol therapy.
- Maintained records of patient assessments, treatments provided and changes in patient status.
- Provided emergency care when required including performing cardiopulmonary resuscitation.
Education
Bachelor of Science - Respiratory Therapy
UT Health Science Center of San Antonio
San Antonio, TX05-2012
BBA - Business Administration and Management
Texas A&M International University
Laredo, TX05-2004
Skills
- Relationship selling
- Sales Development
- Credit check knowledge
- Goal-Oriented
- Licensed Mortgage Loan Originator
- Document Review
- Regulatory Compliance
- Pediatric Respiratory Care
- Respiratory Care Protocols
- Patient care documentation
- Equipment maintenance and troubleshooting
- Physical assessments
- Relationship Building
- Patient Education
Languages
English
Professional
Spanish
Limited
Certification
- License in Teaching
- License in Mortgage Lending
Affiliations
- Member of Board of Builders
- Member of Board of Mortgage Loan Officers
- Red Cross Member for San Antonio
- Part of Mission Against Hunger
Timeline
Mortgage Loan Officer
InterLinc Mortgage Services LLC
03/17/24 - Current
Mortgage Loan Officer /Office Manager
Motto Mortgage
06/03/19 - 03/17/24
Loan Officer
Gateway Mortgage Group, LLC
07/20/16 - 05/15/19
Respiratory Therapist
Laredo Medical Center
05/01/12 - 07/15/16
Bachelor of Science - Respiratory Therapy
UT Health Science Center of San Antonio
BBA - Business Administration and Management
Texas A&M International University
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