Jesse Ramirez
Cypress,TX
Summary
Seeking role as Community Reinvestment Act Officer with 15 years of experience in community reinvestment and mortgage banking. Proven track record in developing and executing client growth strategies, managing OCC/Compliance requirements, and building long-term relationships with public and private sectors. Skilled in credit analysis, loan origination, and bilingual in Spanish for effective community engagement.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Community Mortgage Specialist
Truist Bank
Houston, TX
04.2024 - Current
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Enhanced client trust in the organization through transparent communication and consistent delivery on commitments.
- Provided comprehensive financial guidance to clients, recommending suitable mortgage products based on their needs and goals.
- Collaborated with real estate agents to establish referral networks, fostering mutually beneficial partnerships.
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
Asst. Vice President Community Reinvestment Loan Officer
Regions Bank
Houston, TX
02.2023 - 03.2024
- Facilitate community reinvestment mortgage opportunities for low to moderate-income markets.
- Deliver presentations on LMI products to non-profit organizations, builders, and realtors.
- Collaborate with homebuyers to support purchasing homes in LMI areas.
Sales Manager
Flagstar Bank
Houston, TX
11.2021 - 03.2023
- Managed the origination and supervision of residential mortgage loans, including self-sourced opportunities.
- Guided loan officers in crafting and implementing strategies for client growth and retention.
- Conducted sales presentations to highlight product offerings and differentiate from competitors.
Sales Manager
US Bank
Houston, TX
03.2019 - 11.2021
- Expanded purchase production through strategic partnerships with realtors, builders, corporations, and nonprofits.
- Recruited and trained loan officers, enhancing their expertise in all facets of mortgage production.
- Improved sales performance by hiring, supervising, and coaching employees on effective sales strategies and protocols.
Loan Officer
Security National Mortgage
Houston, TX
01.2018 - 12.2019
- Originated and managed all facets of residential mortgage loans, ensuring compliance with regulatory standards and client satisfaction.
- Developed and maintained a comprehensive customer database, ensuring accuracy and completeness of all records.
- Executed the loan origination process, including ordering credit reports, appraisals, and preliminary title reports.
Mortgage Loan Officer CRA
Whitney Bank, Community
Houston, TX
01.2017 - 01.2018
- Established and maintained strategic partnerships with sourcing entities across public and private sectors to enhance business growth and profitability.
- Provided guidance to mortgage bankers in crafting and implementing client growth and retention strategies, ensuring effective planning and execution of sales initiatives.
Mortgage Business Development Officer
East West Bank
Houston, TX
01.2016 - 01.2017
- Developed and executed targeted marketing campaigns, seminars, and direct communication strategies to effectively reach and engage prospective clients within the assigned territory.
Sales Manager
Wells Fargo Home Mortgage
Houston, TX
01.2014 - 01.2015
- Developed and implemented employee performance management programs, aligning rewards with outstanding performance to enhance team motivation and recognition.
- Conducted regular team trainings and provided feedback, fostering a positive and engaging workplace environment.
Business Development Officer
Chase Bank, Community Reinvestment Act Services
Houston, TX
01.2009 - 01.2014
- Developed and maintained strategic relationships with public and private sector partners, enhancing the profitability of the mortgage banker business.
- Guided mortgage bankers in creating and implementing effective client growth and retention strategies, along with comprehensive sales and territory plans.
- Managed documentation and compliance requirements to align with the Community Reinvestment Act, supporting high-profile negotiations to bolster sales activities.
Education
Finance
Stephen F Austin University
Nacogdoches, TX12.1988
High school diploma - undefined
Port Isabel High School
Port Isabel, TX05.1980
Skills
- Developed Successful Strategies and Goals to Recruiting and Hiring
- Prospecting Skills
- Bilingual in Spanish
- Loan Officer Experience (10 Years)
- Loan Origination (10 Years)
- Credit Analysis (10 Years)
- Sourcing (10 Years)
- Management (10 Years)
- Presentation Skills (10 Years)
- Business Development (10 Years)
Websites
Certification
NMLS 1224786
Affiliations
NAHREP
Languages
Spanish
Professional Working
Timeline
Community Mortgage Specialist
Truist Bank
04.2024 - Current
Asst. Vice President Community Reinvestment Loan Officer
Regions Bank
02.2023 - 03.2024
Sales Manager
Flagstar Bank
11.2021 - 03.2023
Sales Manager
US Bank
03.2019 - 11.2021
Loan Officer
Security National Mortgage
01.2018 - 12.2019
Mortgage Loan Officer CRA
Whitney Bank, Community
01.2017 - 01.2018
Mortgage Business Development Officer
East West Bank
01.2016 - 01.2017
Sales Manager
Wells Fargo Home Mortgage
01.2014 - 01.2015
Business Development Officer
Chase Bank, Community Reinvestment Act Services
01.2009 - 01.2014
High school diploma - undefined
Port Isabel High School
Finance
Stephen F Austin University