Jorge A Ramos
Laredo
Summary
Experienced Real Estate Agent eager to continue acquiring new skills and become and expert specifically in the commercial, industrial, and development areas of the Real Estate spectrum.
Overview
17
17
years of professional experience
Work History
Real Estate Sales Agent
Volkmer Real Estate Group
07.2017 - Current
- Formed part of Real Estate team with sales volume of $26MM, $34MM, and $44M for the years 2020, 2021, and 2022 respectively which included both, residential and commercial sales.
- Formed alliance with one of Laredo's largest residential builders to created sales strategies, monitor property inventory, and oversee quality of construction.
- Prepared Comparable Market Analyses for residential, commercial, and industrial properties to determine pricing range and maximize seller's net proceeds.
- Established positive flow of communication with agents, clients, inspectors, attorneys and personnel involved in closing transactions.
- Managed contracts, negotiations, and facilitated all aspects of commercial lease transactions for several strip centers in Laredo.
- Carefully screened tenancy applicants, pulling background investigations, credit reports and past rental history.
Commercial Portfolio Manager
BBVA Compass Bank
07.2011 - 04.2017
- Underwrote packages that include a full and detailed financial analysis of the proposed new loan requests or renewals for Borrowers in different industries such as commercial and industrial, commercial real estate, healthcare, not for profit organizations, governmental entities, and international deals
- Determined the Borrower's credit worthiness, repayment capacity, financial strength of Guarantor(s), collateral position, loan pricing, and accurate risk rating
- Ensured that the proposed loan or renewal adheres to the Bank’s commercial lending policies and established underwriting guidelines.
Loan Review Officer
Falcon International Bank
10.2007 - 07.2011
- I was responsible for the review of credit relationships to assess credit quality and correct grading
- I also was in charge of the preparation of banking data reports that are submitted to federal agencies on a quarterly basis which consisted of loan portfolio concentrations, unfunded commitments, past dues, OREOs, foreign loans, and restructured debt
- Formed of part of special projects such as the calculation of monthly provisions for the loan loss reserve, portfolio stress testing, and CRE concentration reports
- Responsible for processing the commercial and residential construction draws that involve on-site inspections, budget and percentage of completion analysis, and disbursement of funds.
Credit Analyst
Laredo National Bank
10.2006 - 10.2007
- My main responsibility was the pre-loan analysis to evaluate repayment capacity of the applicant as well as the business potential of the project based on market and industry analysis
- Finally, based on the strengths and weaknesses identified, a final recommendation was presented to the corresponding committee.
Education
BBA - Accounting
Texas A & M International University
Laredo05.2005
Skills
- 100% Bilingual - Spanish and English
- Effective Customer Communication
- Verbal and Written Communication
- Site Visits
- Client Relationship-Building
Timeline
Real Estate Sales Agent
Volkmer Real Estate Group
07.2017 - Current
Commercial Portfolio Manager
BBVA Compass Bank
07.2011 - 04.2017
Loan Review Officer
Falcon International Bank
10.2007 - 07.2011
Credit Analyst
Laredo National Bank
10.2006 - 10.2007
BBA - Accounting
Texas A & M International University
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