Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Kimberly Ramos

Kimberly Ramos

San Antonio,TX

Summary

Professional in sales with proven track record of driving revenue growth and exceeding targets. Adept at building strong client relationships, utilizing effective negotiation skills, and implementing strategic sales techniques. Team-oriented and adaptable, consistently aligning efforts with evolving business goals to ensure success. Known for exceptional communication, problem-solving abilities, and results-driven mindset.

Overview

18
18
years of professional experience

Work History

Owner

Eye for ReDesign
01.2023 - Current
  • Managed day-to-day business operations.
  • Developed and maintained strong relationships with clients, resulting in repeat business and referrals.
  • Oversaw daily operations, ensuring all tasks were completed accurately and efficiently by team members.
  • Increased customer satisfaction by implementing efficient business processes and providing exceptional service.
  • Managed financial aspects of the business, including budgeting, financial reporting, and tax preparation.
  • Consulted with customers to assess needs and propose optimal solutions.
  • Implemented marketing strategies to increase brand awareness and attract new customers.
  • Established foundational processes for business operations.
  • Fostered strong relationships with clients to boost retention rates, conducting regular feedback sessions.
  • Expanded business into new markets, cond
  • Interacted well with customers to build connections and nurture relationships.

In House National loan officer

Farm Bureau Bank
04.2024 - 05.2025
  • Maintained an extensive knowledge of current market trends and industry changes to provide accurate advice to clients.
  • Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
  • Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
  • Ensured compliance with all federal and state regulations throughout the loan origination process.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Examined customer loan applications for loan approvals and denials.
  • Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.

VP Mortgage loan Officer

The Bank of San Antonio
08.2021 - 03.2024
  • Interview applicants to develop financial and credit information, recommend appropriate programs and terms that meet the client needs
  • Initiate, analyze, and recommend mortgage loans for approval through available loan programs
  • Stay up to date with Compliance origination regulations and guidelines to include Reg B, Reg C, Reg X, Reg Z, privacy and CIP regulations
  • Support Bank of Austin, Texas Hill County Bank which fall under the umbrella of Texas Partners Bank
  • Support high net worth clients referred by Commercial & Private Bank managers to ensure high-level communication & service
  • SABJ Top 10 Loan officer in San Antonio - 2017, 2018, 2019, 2020
  • Funded loans YTD- 32MM

VP Mortgage Loan Officer

Broadway Bank
01.2017 - 08.2021
  • Interview applicants to develop financial and credit information, recommend appropriate programs and terms that meet the client needs
  • Initiate, analyze, and recommend mortgage loans for approval through available loan programs
  • Stay up to date with Compliance origination regulations and guidelines to include Reg B, Reg C, Reg X, Reg Z, privacy and CIP regulations
  • Participate in promotional events, actively market Broadway bank loan products and services
  • Identify additional needs to deepen customer relationships with Broadway Bank
  • Develop leads by networking with internal and external referral sources
  • SABJ Top 10 Loan officer in San Antonio - 2017, 2018, 2019, 2020

RE Lending Specialist, I

USAA Federal Savings Bank
12.2006 - 12.2017
  • Makes outbound (primary) and inbound phone contact with each member to gather additional financial and credit details to acquire a loan decision to their online application submission
  • Handles multiple origination systems, manages a pipeline of member applications consistently each day, with the ultimate goal of reaching a loan decision
  • Identifies member events and recommends the most appropriate products and/or services to satisfy the member's immediate and future financial needs
  • Communicates with internal stakeholders/external partners to ensure member loan requests are fulfilled through the mortgage or home equity process
  • Utilizes procedures and significant job experience to carry out non-complex to complex issue

Education

Business Management - Marketing

University of the Incarnate Word
01.2013

University of Texas at San Antonio
San Antonio, TX
01.1999

Skills

  • Relationship selling
  • Residential mortgage lending
  • Regulatory compliance
  • Credit evaluation
  • Relationship building
  • Business marketing
  • Partnership development
  • Sales strategy development
  • Market trend awareness
  • Client service

Languages

Spanish
Professional Working

Timeline

In House National loan officer

Farm Bureau Bank
04.2024 - 05.2025

Owner

Eye for ReDesign
01.2023 - Current

VP Mortgage loan Officer

The Bank of San Antonio
08.2021 - 03.2024

VP Mortgage Loan Officer

Broadway Bank
01.2017 - 08.2021

RE Lending Specialist, I

USAA Federal Savings Bank
12.2006 - 12.2017

University of Texas at San Antonio

Business Management - Marketing

University of the Incarnate Word

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Kimberly Ramos