Xiomara Ramirez
Atwater,CA
Summary
Seeking a position that allows me to apply my skills and passion for continuous learning, to make a positive impact and contribute to the overall goals of the organization. Self-motivated and reliable with excellent teamwork, problem-solving and ready to help achieve company goals.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Loan Officer Assistant/Transaction Coordinator
Paramount Residential Mortgage Group - PRMG
02.2022 - 02.2023
- Client and file management
- Email, fax, scan, filing and maintaining records
- Updating financial spreadsheets with daily transactions, tracking and reconciling bank statements.
- Gather information for loan underwriting, including credit reports, tax filings, business entity searches and title work.
- Explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Supported loan processing and closing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Verified credit histories, personal references, ordered VOE and VOM.
Loan Officer Assistant/Transaction Coordinator
Cardinal Financial
01.2021 - 02.2022
- Client and file management
- Email, fax, scan, filing and maintaining records
- Updating financial spreadsheets with daily transactions, tracking and reconciling bank statements.
- Gather information for loan underwriting, including credit reports, tax filings, business entity searches and title work.
- Explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Maintain and manage all follow-up title and client requirements associated with transactions.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Verified credit histories, personal references, ordered VOE and VOM.
Office Clerk
Merced Western Motors
03.2019 - 05.2020
- Provided clerical support to company employees by copying, faxing, and filing documents.
- Processed vehicle contracts, payoffs and vendor/partner invoices at a timely manner.
- Familiar with AutoSoft and VIN verification process
- Monitored payments and title records
- Handled customer proprietary records with confidentiality
- Managed customer billing, invoices, and company receipts
- Assist customers with any billing inquiries.
- Input data into spreadsheets and databases.
- Collaborated with various departments to complete assigned tasks.
Wireless Sales Associate
Cricket Unlimited Wireless
01.2017 - 12.2018
- Answer any inquiries, assist to resolve customer service issues
- Evaluate customer needs to make an appropriate service recommendation.
- Maintained accurate records of sales and customer information.
- Activated both contract and pre-paid wireless phones for customers per month by inserting new SIM cards and batteries, restoring content and establishing new payment accounts.
- Assisted customers in determining cellular phone needs by asking open-ended questions, clarifying advantages and disadvantages of each product and explaining products by ratings.
- Managed efficient cash register operations.
Office Assistant
Full Steam Staffing Branch
06.2015 - 12.2016
- Completed clerical tasks such as filing, copying, and distributing mail.
- Interacted with customers by phone, email, or in-person to provide information.
- Maintained and updated office records, both digital and physical.
- Welcomed office visitors and alerted staff to arrivals of scheduled appointments.
- Submitted applications daily to HR management.
- Input data into spreadsheets and databases.
- Kept office supplies well organized and sufficiently stocked, placing orders promptly to replenish materials before depleted.
- Compiled and analyzed data to produce reports.
Teachers Aid
Child Development Center
08.2014 - 06.2015
- Worked alongside fellow college students in supervising small children (3yrs old and under).
- Established daily routines that were easy for the children to follow
- Completed daily reports on attendance and disciplinary performance.
- Sanitized toys and play equipment each day to maintain safety and cleanliness.
- Assisted teachers with classroom management and document coordination to maintain positive learning environment.
- Supported student physical, mental, and social development using classroom games and activities.
Kitchen Assistant
Child Development Center
09.2013 - 06.2014
- Worked along side school cafeteria staff in preparing and serving meals to children.
- Ensured compliance with all food safety regulations.
- Restocked supplies and prepared additional ingredients during downtime for expected busy periods.
- Maintained clean, trash-free workspaces to maximize productivity and safety.
Education
Counseling Psychology
Merced Community College
Merced, CA06.2016
High School Diploma -
Buhach Colony High School
Atwater, CA06.2013
Skills
- Proficient in Microsoft, PowerPoint, Excel, Encompass, Octane
- Efficient and detail-oriented with strong organizational skills
- Excellent interpersonal skills and office etiquette
- Bilingual- English/ Spanish- Read, Write, Speak Fluently
- Document Verification
- Financial Transactions Expertise
- Customer Service
- Multitasking
- Attention to Detail
References
- Dania Pena, Library Assistant, Merced County Library System, Merced, CA (209) 201-9347
- Antonio Pena, Strategic Partner Manager, AT&T Mobility, Atwater, CA (209) 203-8193
- Gilbert Mendez, Loan Officer, Merced, CA (209) 777-2020
- Abdallah Abdallah, Finance Manager, Merced, CA (559) 352-0263
Certification
- MLO License NMLS - 2455194
Timeline
Loan Officer Assistant/Transaction Coordinator
Paramount Residential Mortgage Group - PRMG
02.2022 - 02.2023
Loan Officer Assistant/Transaction Coordinator
Cardinal Financial
01.2021 - 02.2022
Office Clerk
Merced Western Motors
03.2019 - 05.2020
Wireless Sales Associate
Cricket Unlimited Wireless
01.2017 - 12.2018
Office Assistant
Full Steam Staffing Branch
06.2015 - 12.2016
Teachers Aid
Child Development Center
08.2014 - 06.2015
Kitchen Assistant
Child Development Center
09.2013 - 06.2014
Counseling Psychology
Merced Community College
High School Diploma -
Buhach Colony High School
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