Jose Ramos
Rockville,MD
Summary
Results-oriented sales consultant with over 12 years of experience producing outstanding results and strong revenue growth. Successful at closing sales quickly and securing repeat business. Motivated and respected professional with excellent communication skills.
Overview
12
12
years of professional experience
Work History
LOAN OFFICER
MortgageRight
Rockville, MD
12.2019 - 11.2020
- Sourced and originated loans through calling book of business and asking referral partners for leads
- Followed up and maintained contact with leads and prospective clients to acquire more business
- Met with clients and conducted financial review of their finances to determine qualification financing
- Provided recommendations and education to clients on various home financing options. Provide clients solutions and advice catered to their specific situation.
- Collected, reviewed, and uploaded client documents into encompass loan originating system
- Communicated loan milestones and updates to clients, agents and other parties involved to ensure timelines were being kept and ensured service and communication levels were top notch
- Worked with underwriters and processors to clear loan conditions and work through complex obstacles when presented
- Worked with loan closers to ensure loan figures, cost and documents were accurate
- Worked with post-closing to address any concerns or conditions requested by investors
- Familiar with Fannie Mae, Freddie Mac, and FHA guidelines
- Increased loans and earnings by establishing 60+ loans and over 30 million in loans. Exceed personal goals by 150%.
SENIOR LOAN OFFICER
Homespire Mortgage Corp
Rockville, MD
10.2017 - 11.2019
- Originated loan production through relationships built through business contacts & referral partners
- Consistently exceed monthly goal by 200%. Booked over 35 loans totaling in $15 million in volume.
- Reviewed credit worthiness and history, income, employment history and other factors
- Sold advantages of Homespire Mortgage's products and services
- Advise clients of benefits and risks of loan options in order to recommend most suitable choices
- Provide personalized advice and recommendations to clients and education on the mortgage process, rates, terms and financial aspect of a new home purchase or refinance
- Acted as the communication liaison between the borrower, referral partners, processor, and underwriter, to insuring a smooth efficient process
- Uploaded client documents and submitted files to underwriting and processing
- Assisted branch manager in meeting with clients, submitting files, qualifying clients and mentoring and training new loan officers or assistants
Senior Multi Branch Banker & Leader
Capital One Bank N.A
, DC And Maryland
06.2015 - 10.2017
- Identified and capitalized on community business opportunities with effective networking.
- Boosted branch sales by developing and deepening customer loyalty through exceptional service.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
- Assessed employee performance and developed improvement plans.
- Generated branch traffic in markets with growth opportunities by going out to local business and promoting bank products
- Created customer awareness and educated them on alternative banking channels, such as ATM, online and mobile banking
- Fulfilled customers servicing needs by researching customer inquiries with the intent of enhancing customer relationships
- Recipient of the "Inspire The Way" company award for 2015. This award was given to 29 individuals companywide out of over 40,000 company employees. Recipients of this award are recognized for modeling the right behaviors, inspire others through their vision, look for possibilities rather than roadblocks, empower others to act, and be a true leader in all forms
- Recognized as the top multi branch banker/leader for the region on several occasions. Award was given out quarterly.
- Recognized for contributing to top performing market within the region. Helped market reach 130% of sales goal and reach benchmark service goal set forth by the bank for 2016.
Senior Client Relationship Banker
Capital One Bank N.A
Rockville, MD
11.2012 - 06.2015
- Built relationships with customers by learning about financial needs, understanding life events and goals and following up through proactive outreach and appointments.
- Recommended new products to clients and maintained solutions-oriented problem-solving for long-term client relationships.
- Encouraged cross-selling of additional products and services through relationship-building and acquired understanding of customer needs.
- Addressed and resolved customer complaints and issues to improve satisfaction.
- Grew book of business through proactive outreach
- Increased monthly sales by selling banking products and financial services to customers. Consistently obtained over 150% of goal.
- Continually boosted branch production and revenue by consistently meeting all monthly and quarterly sales goals.
- On numerous occasions recognized for being top performing banker in market area.
- Mentored new relationship bankers to area market.
Assistant Branch Manager
Capital One Bank N.A
Silver Spring, MD
08.2011 - 06.2012
- Managed branch size of over $75 million in deposits and team of 11 full and part-time employees.
- Developed and managed employee schedules, balancing individual requests and requirements with business needs.
- Coached and developed branch staff by offering constructive feedback and training opportunities.
- Interviewed, hired and trained staff associates and equipped to comply with company policies and procedures.
- Supervised and evaluated staff, enabling them to improve skills, achieve daily objectives and attain advancement.
- Attained expert level of product knowledge, becoming go-to person for high profile client sales and acquisitions.
- Conducted weekly staff meetings to motivate staff members, address concerns and questions, plan improvements, and evaluate progress toward goals.
- Received regional branch recognition award for obtaining 175% of branch monthly sales goals. Received award on five occasions.
Senior Client Relationship Banker
Capital One Bank N.A
Silver Spring, MD
09.2009 - 08.2011
- Built relationships with customers by learning about financial needs, understanding life events and goals and following up through proactive outreach and appointments.
- Recommended new products to clients and maintained solutions-oriented problem-solving for long-term client relationships.
- Encouraged cross-selling of additional products and services through relationship-building and acquired understanding of customer needs.
- Addressed and resolved customer complaints and issues to improve satisfaction.
- Grew book of business through proactive outreach
- Increased monthly sales by 120% by selling banking products and financial services to customers.
- Continually boosted branch production and revenue by 145% by consistently meeting all monthly and quarterly sales goals.
- Recognized for being top banker in market for exceed sales goal for 2010.
- Mentored new relationship bankers to area market.
Customer Service Representative
Capital One Bank N.A
Olney, MD
08.2008 - 09.2009
- Provided primary customer support to internal and external customers.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Delivered excellent customer service, resulting in consistent 96% customer satisfaction rating. Recognized three consequitive quarters in a row.
- Promoted superior experience by addressing customer concerns, demonstrating empathy and resolving problems swiftly.
- Cultivated customer loyalty, promoted repeat business and improved sales.
- Applied highly effective selling skills while properly engaging and presenting solutions to customers.
- Leveraged sales expertise to promote products and capitalized on upsell opportunities. Exceed monthly goal by 200% 10 months consecutively.
- Recognized by company leadership for exceeding sales sales goals and being number one customer service representative in market area.
Education
High School Diploma -
Richard Montgomery High School
Business administration degree -
University of Maryland - University College
Skills
- Business networking
- Product and service sales
- Sales expertise
- Goals and performance
- Cold Calling & Lead Generation
- Sales strategy
- Excellent Communication
- Multitasking Abilities
- Relationship builder
Languages
Spanish
Timeline
LOAN OFFICER
MortgageRight
12.2019 - 11.2020
SENIOR LOAN OFFICER
Homespire Mortgage Corp
10.2017 - 11.2019
Senior Multi Branch Banker & Leader
Capital One Bank N.A
06.2015 - 10.2017
Senior Client Relationship Banker
Capital One Bank N.A
11.2012 - 06.2015
Assistant Branch Manager
Capital One Bank N.A
08.2011 - 06.2012
Senior Client Relationship Banker
Capital One Bank N.A
09.2009 - 08.2011
Customer Service Representative
Capital One Bank N.A
08.2008 - 09.2009
High School Diploma -
Richard Montgomery High School
Business administration degree -
University of Maryland - University College
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