Diana Ramos
Petaluma,CA
Summary
Experienced leader with a strong background in team guidance, project management, and strategic goal attainment. Skilled in developing efficient processes, maintaining high standards, and aligning efforts with organizational objectives. Recognized for collaborative approach and unwavering commitment to excellence.
Overview
32
32
years of professional experience
3
3
years of post-secondary education
Work History
Loan Coordinator
Redwood Credit Union
2019.12 - 2024.06
- Expedited loan approvals by collaborating closely with underwriters to address concerns and provide necessary information.
- Assisted in achieving department goals through proactive monitoring of key performance indicators and implementing corrective actions when needed.
- Collaborated with other departments to resolve issues quickly, maintaining seamless workflow during busy periods.
- Ensured data integrity by meticulously reviewing financial documents, credit reports, and other supporting materials for accuracy during the application process.
- Trained new team members on company policies, procedures, and industry regulations to ensure a high level of service quality.
- Enhanced loan processing efficiency by streamlining documentation and communication between departments.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Collaborated with other departments to promptly process loan applications.
- Maintained strict confidentiality of bank records and client information.
- Advised clients on mortgage, education and personal loans.
- Monitored pipelines to track and log status of loans.
- Assessed loan portfolios for compliance with underwriting policies.
- Contributed to increased sales revenue by identifying cross-selling opportunities while working with clients on their loan applications.
- Developed strong rapport with clients and referral partners, leading to increased business opportunities and a growing network of industry contacts.
- Utilized advanced software tools to efficiently manage pipelines, prioritize tasks, track progress, and meet deadlines consistently without sacrificing accuracy or quality of work output.
- Ensured prompt funding of approved loans by coordinating with settlement agents, attorneys, and title companies for timely disbursement of funds.
- Prepared comprehensive reports detailing loan portfolio performance metrics for management review and decision-making purposes.
- Conducted regular audits of closed loans to identify areas for improvement or potential risk factors that could impact future lending decisions.
Business Owner
EnviroVue Inspection Services
2001.01 - 2019.01
- Established strong customer relationships through excellent communication and attentive service.
- Consulted with customers to assess needs and propose optimal solutions.
- Achieved consistent growth in annual revenue through strategic planning and execution of sales initiatives.
- Strengthened company reputation by consistently meeting or exceeding customer expectations in terms of quality products/services offered.
- Boosted revenue by identifying new business opportunities and diversifying product offerings.
- Ensured compliance with all relevant regulations by staying current on industry requirements and implementing necessary changes in operations.
- Conducted market research to inform product development decisions and identify potential growth areas.
- Managed financial operations to ensure fiscal responsibility, including budgeting, forecasting, and financial reporting.
- Delivered exceptional results under tight deadlines by prioritizing tasks effectively and delegating responsibilities appropriately throughout the team.
- Increased customer satisfaction with personalized service offerings, addressing specific needs and preferences.
- Built robust network of industry contacts, leveraging relationships for strategic partnerships and opportunities.
- Mastered conflict resolution, maintaining harmonious internal relationships and ensuring focus on common goals.
- Led company through successful rebranding initiative, refreshing image and attracting broader customer base.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Interacted well with customers to build connections and nurture relationships.
- Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
Wine and Spirits Importing
Halby Marketing
2009.01 - 2013.03
- Expedited urgent orders with prioritization and close communication with other departments.
- Streamlined order processing procedures for increased efficiency and reduced errors.
- Developed strong relationships with clients through personalized attention and prompt response times.
- Enhanced order accuracy by meticulously reviewing and verifying customer information and order details.
- Served as a key liaison between customers, sales representatives, and logistics teams to ensure seamless coordination throughout the entire ordering process.
- Assisted in training new hires on company-specific software systems, policies, and procedures.
- Conducted regular reconciliation of inventory levels for proactive identification of potential stock shortages or excesses.
- Managed multiple accounts simultaneously while maintaining detailed records of each client''s specific requirements.
- Completed accurate order entry and data verification.
- Assisted customers by providing tracking information and resolving shipping or merchandise issues.
- Received and followed pick sheets to gather merchandise for customer orders.
- Communicated with customers to answer questions and perform account maintenance.
- Documented shipping information for orders and tracked packages when necessary.
- Coordinated with warehouse staff for accurate inventory management and timely shipment of products.
- Maintained an organized database of customer orders, tracking progress from initiation to completion.
- Provided cross-functional support during peak periods or staffing shortages, demonstrating adaptability and teamwork skills.
- Resolved customer inquiries, ensuring timely and satisfactory resolutions to order-related issues.
- Collaborated with sales team to ensure all necessary documentation was collected for seamless order execution.
- Increased overall customer satisfaction by consistently meeting deadlines and providing exceptional service.
- Actively participated in departmental meetings, offering insights into challenges faced in day-to-day operations and proposing solutions for ongoing improvement.
- Generated invoices and shipping labels to properly bill and ship customer orders.
- Processed customer orders in line with established policies and procedures.
- Communicated with customers to address order inquiries, changes and cancellations.
- Monitored and tracked inventory to achieve prompt order fulfillment.
- Assisted in forecasting and ordering stock for upcoming sales and promotions to avoid running out of high-demand items.
- Liaised with suppliers and vendors for prompt delivery of orders.
- Examined orders to confirm accuracy, completeness and adherence to customer requirements.
- Informed supervisors and coworkers of inventory needs and double-checked supplies before completing customer orders.
- Processed and handled customer complaints, answering questions, and providing alternative solutions.
- Recommended merchandise and services that would meet customer needs.
Senior Escrow Officer
North Bay Title Company
2000.01 - 2002.12
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Followed-up on status of releases, policies, and return of recorded documents.
- Reviewed escrow accounting reports and resolved outstanding check or open file balance issues.
- Resolved title issues promptly by collaborating with underwriters, attorneys, and other stakeholders to clear any roadblocks hindering property transfer.
- Communicated requirements and title exception information to clients.
- Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
- Set up escrow transactions, processed deposits and mailed out forms and preliminary title reports for review.
- Ensured timely closings on properties through effective coordination with mortgage lenders, appraisers, inspectors, and other professionals involved in the transaction.
- Fostered strong relationships with clients, lenders, agents, and attorneys to facilitate smooth escrow transactions and maintain a high level of referral business.
- Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
- Assisted junior escrow officers in resolving complex issues, fostering their professional growth and development.
- Organized educational seminars for real estate agents to keep them informed on current industry trends and regulatory changes affecting the escrow process.
- Collaborated with team members to successfully close high-value real estate deals within prescribed deadlines.
- Managed a diverse portfolio of residential, commercial, and investment properties, ensuring each transaction was handled with professionalism and accuracy.
- Conducted regular audits of escrow accounts to ensure accuracy, compliance, and proper funds disbursement upon closing.
- Maintained strict adherence to regulatory requirements and industry best practices when handling sensitive client information and funds during the escrow process.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
- Mitigated risk in real estate transactions by conducting thorough title searches, preparing accurate legal documents, and ensuring proper execution of all paperwork.
- Spearheaded initiatives to improve overall team performance by sharing knowledge, expertise, and best practices with fellow escrow officers.
- Contributed to the company''s growth by consistently exceeding performance targets and earning recognition for outstanding service quality within the industry.
- Enhanced client satisfaction by efficiently managing complex escrow transactions and providing exceptional customer service.
- Developed new business opportunities by actively participating in networking events and building strategic partnerships within the real estate community.
- Prepared and delivered projected HUD-1 settlement statements to lender upon request.
- Reduced closing timeframes for residential and commercial properties by streamlining escrow processes and coordinating with relevant parties.
- Checked signatures and legal descriptions for accuracy and integrity.
- Managed real estate closing process in compliance with applicable standards and legal requirements.
- Developed and maintained relationships with customers, lenders and other third parties.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Explained very technical financial information to applicants in easy to understand language.
- Researched and updated industry knowledge on changing legislation and regulations.
Senior Escrow Officer
First American Title
1996.01 - 2000.01
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Followed-up on status of releases, policies, and return of recorded documents.
- Reviewed escrow accounting reports and resolved outstanding check or open file balance issues.
- Improved communication between all parties involved in a transaction by developing comprehensive status reports throughout the escrow process.
- Resolved title issues promptly by collaborating with underwriters, attorneys, and other stakeholders to clear any roadblocks hindering property transfer.
- Communicated requirements and title exception information to clients.
- Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
- Set up escrow transactions, processed deposits and mailed out forms and preliminary title reports for review.
- Ensured timely closings on properties through effective coordination with mortgage lenders, appraisers, inspectors, and other professionals involved in the transaction.
- Fostered strong relationships with clients, lenders, agents, and attorneys to facilitate smooth escrow transactions and maintain a high level of referral business.
- Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
- Assisted junior escrow officers in resolving complex issues, fostering their professional growth and development.
- Contributed to the company''s growth by consistently exceeding performance targets and earning recognition for outstanding service quality within the industry.
- Examined purchase and sale agreement for potential items of concern and addressed immediately.
- Organized educational seminars for real estate agents to keep them informed on current industry trends and regulatory changes affecting the escrow process.
- Collaborated with team members to successfully close high-value real estate deals within prescribed deadlines.
- Managed a diverse portfolio of residential, commercial, and investment properties, ensuring each transaction was handled with professionalism and accuracy.
- Conducted regular audits of escrow accounts to ensure accuracy, compliance, and proper funds disbursement upon closing.
- Maintained strict adherence to regulatory requirements and industry best practices when handling sensitive client information and funds during the escrow process.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
- Mitigated risk in real estate transactions by conducting thorough title searches, preparing accurate legal documents, and ensuring proper execution of all paperwork.
- Enhanced client satisfaction by efficiently managing complex escrow transactions and providing exceptional customer service.
- Reduced closing timeframes for residential and commercial properties by streamlining escrow processes and coordinating with relevant parties.
- Developed new business opportunities by actively participating in networking events and building strategic partnerships within the real estate community.
- Prepared and delivered projected HUD-1 settlement statements to lender upon request.
- Advised clients on potential risks in real estate transactions, empowering them to make informed decisions throughout the escrow process.
- Checked signatures and legal descriptions for accuracy and integrity.
- Managed real estate closing process in compliance with applicable standards and legal requirements.
- Developed and maintained relationships with customers, lenders and other third parties.
- Explained very technical financial information to applicants in easy to understand language.
Escrow Officer
Chicago Title Company
1992.08 - 1996.01
- Consistently met deadlines for preparing necessary paperwork for closings while maintaining high-quality work standards.
- Maintained strict confidentiality in handling sensitive customer information, adhering to privacy laws and best practices.
- Identified and resolved title issues, preventing potential delays or cancellations of transactions.
- Developed strong relationships with clients by providing exceptional service, earning repeat business and referrals.
- Managed escrow accounts, ensuring all financial transactions adhered to regulatory standards and were executed efficiently.
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues related to escrow transactions.
- Communicated requirements and title exception information to clients.
- Checked signatures and legal descriptions for accuracy and integrity.
- Assisted in training new employees on company policies, procedures, and software systems used in the escrow process.
- Collaborated with real estate agents and lenders to expedite closing times on property sales.
- Examined purchase and sale agreement for potential items of concern and addressed immediately.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
- Streamlined the escrow process for a smoother client experience, managing communication between all parties involved.
- Implemented customer feedback system, leading to service improvements and increased client retention rates.
- Prepared detailed settlement statements for each transaction, accurately reflecting funds received and disbursed.
- Enhanced accuracy and efficiency in document preparation, contributing to smoother and faster closing process.
- Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
- Followed-up on status of releases, policies, and return of recorded documents.
- Facilitated training sessions for new hires, significantly improving their understanding of escrow processes and enhancing team performance.
- Adapted to changing industry regulations and policies, updating company practices accordingly to maintain compliance.
- Managed real estate closing process in compliance with applicable standards and legal requirements.
- Streamlined closing processes, significantly reducing errors and improving client satisfaction.
- Implemented efficient workflow procedures which resulted in faster completion of escrow transactions.
- Liaised with external auditors during annual audits, ensuring full transparency and adherence to financial regulations.
- Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
- Provided exceptional support to colleagues during peak periods or absences due to illness or vacation time.
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Coordinated with agents, lenders, and buyers to ensure all documentation was completed accurately and on time for closings.
- Coordinated efforts between buyers and sellers to achieve mutually agreeable terms during negotiations of property sales.
- Reviewed escrow accounting reports and resolved outstanding check or open file balance issues.
- Facilitated successful closings by guiding clients through the signing process and explaining complex legal terminology in layman''s terms.
- Conducted thorough research on properties to confirm ownership, title status, and outstanding liens or encumbrances.
- Set up escrow transactions, processed deposits and mailed out forms and preliminary title reports for review.
- Maintained organized and accurate documentation for all escrow transactions, ensuring compliance with industry regulations.
- Developed and maintained relationships with customers, lenders and other third parties.
- Explained very technical financial information to applicants in easy to understand language.
Education
Bachelor of Arts - Psychology
Sonoma State University
Sonoma County, CA 1993.05 - 1993.05
Associate of Arts - Psychology
Chico State University
Chico, CA 1989.05 - 1992.05
Skills
Daily maintenance of loan applicants and applications within the database Handled all delegated tasks, including pre funding and post close audits, payoff demands, loan payoffs, fee collections, funding conditions, misc lending operations, daily and weekly reports Wellness Champion and Advisor on Advisory board to CEO RCU 2 years
Provided marketing and back office support for our company since its inception in 2001 The company was started in our garage with new sales and we have grown to over $300K annually in sales
Wine and Spirits importing for distribution Office support using excel and other programs for order processing, shipping containers and compliance reporting Managed invoices and compliance
Rapport and relationship building, order fulfillment, document processing, report management
Client acquisition, customer service, organizing an maintaining files and applications, processing and closing escrow transactions Advisory Committee to CEO - Management selected from each department to represent their department and report to the CEO for maintaining, fostering, and growing the changing business and employee environment for success
SAPA Parent High School Board Members Fostered a healthy and strong parent community, coordinated events and gatherings and yearly auction to raise funds for school programs, scholarships, school programs, activities, and staff development
Underwriting guidelines
Mortgage Knowledge
Escrow management
Loan Payoffs
Documentation Review
Relationship building and management
Personalgrowthachievements
Physical fitness and nutrition certified
Languages
English
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimePart TimeContract WorkLocation Preference
RemoteHybridImportant To Me
Work-life balanceCareer advancementCompany CultureWork from home optionInterests
Health and Fitness Wellness
Timeline
Loan Coordinator
Redwood Credit Union
2019.12 - 2024.06
Wine and Spirits Importing
Halby Marketing
2009.01 - 2013.03
Business Owner
EnviroVue Inspection Services
2001.01 - 2019.01
Senior Escrow Officer
North Bay Title Company
2000.01 - 2002.12
Senior Escrow Officer
First American Title
1996.01 - 2000.01
Bachelor of Arts - Psychology
Sonoma State University
1993.05 - 1993.05
Escrow Officer
Chicago Title Company
1992.08 - 1996.01
Associate of Arts - Psychology
Chico State University
1989.05 - 1992.05