Josselyn Ramos
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
4
4
years of professional experience
Work History
Credit Underwriter
First Utah Bank
09.2022 - Current
- Collaborated with loan officers and sales teams for seamless communication during the application process.
- Orchestrated client-centered financial packages factoring in current market trends.
- Upheld strict adherence to confidentiality policies when handling sensitive client information, preserving trust within the organization.
- Worked closely with other departments such as legal, collections, and customer service teams to address any issues arising from approved loans efficiently.
- Streamlined internal processes by developing and implementing standardized underwriting procedures and checklists.
- Increased client satisfaction by providing personalized recommendations based on individual financial situations.
- Built strong relationships with clients, fostering trust and loyalty in the company''s services.
- Optimized portfolio performance through regular monitoring and adjusting of credit policies as needed.
- Skilled at working independently and collaboratively in a team environment.
- Managed time efficiently in order to complete all tasks within deadlines.
- Passionate about learning and committed to continual improvement.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
- Worked flexible hours across night, weekend, and holiday shifts.
- Proven ability to develop and implement creative solutions to complex problems.
- Achieved a high level of accuracy in analyzing credit applications, resulting in well-informed lending decisions and reduced financial risk.
- Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
Commercial Credit Analyst
Enova Financial
01.2021 - 08.2022
- Enhanced customer relationships through effective communication, timely responses, and providing tailored financial solutions.
- Streamlined credit approval process for faster decision-making through meticulous documentation and collaboration with senior management.
- Improved loan portfolio quality by conducting thorough financial statement analysis and risk assessments.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Assessed credit risk and analyzed financial statements.
Team Lead - PPP
Lendio
03.2020 - 12.2020
- Led cross-functional teams for successful project execution while maintaining strong collaboration among team members.
- Influenced positive change within the organization through strategic thinking, innovation, problem-solving abilities, and consistent leadership style.
- Conducted training and mentored team members to promote productivity and commitment to friendly service.
- Increased customer satisfaction by ensuring timely completion of projects and adherence to high-quality standards.
- Supervised team members to confirm compliance with set procedures and quality requirements.
- Held weekly team meetings to inform team members on company news and updates.
Education
Master of Science - Management And Leadership
Western Governors University
Salt Lake City, UT02.2024
Bachelor of Science - Business Administration
University of Utah
Salt Lake City, UT12.2021
Associate of Science - Business Communications
Salt Lake Community College
Salt Lake City, UT05.2018
Skills
- Portfolio Management
- Credit risk mitigation
- Client Relationship Development
- Problem-Solving
- Loan structuring
- Due diligence
- Credit Scoring
- Risk Assessments
- Statistical Analysis
- Report Preparation and Presentation
- Analytical research
- Data trending
Affiliations
- University of Utah Alumni
- Western Governors University Alumni
Notary
I primarily verify the identities of signatories and acknowledge signatures; I've mainly used this license at the bank and home loan mortgage contracts.
Timeline
Credit Underwriter
First Utah Bank
09.2022 - Current
Commercial Credit Analyst
Enova Financial
01.2021 - 08.2022
Team Lead - PPP
Lendio
03.2020 - 12.2020
Master of Science - Management And Leadership
Western Governors University
Bachelor of Science - Business Administration
University of Utah
Associate of Science - Business Communications
Salt Lake Community College
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