Kimberly Ramos
San Antonio,TX
Summary
Effective communicator with strong verbal and written skills for clear and concise information conveyance. Problem-solving, analytical, and critical thinking abilities for effective decision-making. Keen attention to detail, self-motivated and driven to achieve results. Skilled in engaging and inspiring others to foster open communication. Actively listens for effective collaboration and teamwork.
Overview
17
17
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.
VP Mortgage loan Officer
The Bank of San Antonio
08.2021 - Current
- 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
Production Associate III
Legacy Mutual Mortgage
02.2016 - 11.2016
- Acts as an extension of the loan originator, attends functions with the loan originator, and assists the loan originator with other administrative and/or sales duties
- Manage and follow up with all new and existing leads in a timely and accurate manner
- Discussing rate, terms and/or financial options
- Provides needs list of all items for a complete loan application
- Prepares pre-qualification/pre-approval/commitment letters
- Enter loan application and disclosures information into a loan origination system
- Meets with clients to sign Loan Application and Disclosures
- Prices and locks all loans through origination system
- Understands and researches all investor guidelines and is up-to-date in any and all program
- Submits complete files based on Investor and/or AUS requirements to get ready for submission to Underwriting
- Communicates to Production Associate II all information pertaining to client and/or property to meet file expectations
- Communicates loan approval by sending pre-approval/commitment letters to all parties involved in transaction
- Responsible for once-a-week follow up calls/status calls to all parties involved in transaction (Clients, Realtors, Builder, etc.)
- Tracks and manages new leads and follows up on referral business
- Sends out correspondence - thank you cards, closing cost calculators, etc
- Coordinate closing details with Client - final payment, rate, cash to close, etc
RE Lending Specialist, I
USAA Federal Savings Bank
12.2012 - 02.2016
- 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
- Works independently under limited supervision
- Utilizes procedures and significant job experience to carry out non-complex to complex issues
- Stays current with Frontline Digest and updates to procedures
Financial Foundations Sr. Specialist
USAA Federal Savings Bank
07.2009 - 12.2012
- Demonstrated leadership abilities by assisting management with coaching and developing employees
- Provided support for team goals through proactive approaches to solve team issues in a positive, professional manner
- Handled member escalations and potential Presidential complaints by acknowledging members concerns and identifying possible solutions
- Demonstrated the ability to effectively and efficiently apply knowledge to transactions at all levels of complexity
- Assisted in creating/ establishing scripting for multiple processes/forms to be used for after hour escalation process
- Organized monthly meetings with HE ERT/ Helpline servicing, Account Services, and Sykes to build partnerships and to ensure consistency within teams
- Served as subject matter expert (SME) on business development projects for Delinquent Tax Services Implementation Requirements, New Tracking Client (QBE) Implementation Requirements and Home Equity 5-year Draw Repayment Initiative
- Developed and facilitated Home Equity presentations for HE servicing top call drivers to 3rd party management team (Sykes)
- Assisted in coordinating activities to develop, analyze, and complete business deliverables and to also deliver communication and training to the Home Equity teams
- Assisted with EWL configuration submissions, and assisted with writing IOP updates, and MSR factsheets
Bank Servicing Specialist I Inquiries on Auto Title
USAA Federal Savings Bank
10.2007 - 07.2009
- Provided quality service to members by handling complex inquiries and transactions for two or more products
- Maintained knowledge of banking regulations and guidelines associated with USAA banking products
- Acted on referral triggers and provided additional product offerings based on member needs
- Motivated team members by encouraging new incentives and contests for quality referrals
- FDI trained to access members' Inquiries on Auto Title status, when loans were paid in full
- Handled servicing of Home Equity and Consumer loans
Education
Business Management - Marketing
University of the Incarnate Word
01.2013
University of Texas at San Antonio
San Antonio, TX01.1999
Skills
- Effective communicator demonstrated by strong verbal and written skills
- Able to demonstrate excellent problem solving, analytical, and critical thinking abilities
- Analyze issues and make effective decisions
- Detail oriented, self-motivated, and driven for results
- Able to influence others by engaging and inspiring
- Listening effectively to foster open communication
- Relationship selling
- Residential mortgage lending regulations
- Loan origination
- Sales development
- Financial analysis
- Document review
- Regulatory compliance
- Refinancing options
- Document analysis
- Credit evaluation
Languages
Spanish
Professional Working
Timeline
Owner
Eye for ReDesign
01.2023 - Current
VP Mortgage loan Officer
The Bank of San Antonio
08.2021 - Current
VP Mortgage Loan Officer
Broadway Bank
01.2017 - 08.2021
Production Associate III
Legacy Mutual Mortgage
02.2016 - 11.2016
RE Lending Specialist, I
USAA Federal Savings Bank
12.2012 - 02.2016
Financial Foundations Sr. Specialist
USAA Federal Savings Bank
07.2009 - 12.2012
Bank Servicing Specialist I Inquiries on Auto Title
USAA Federal Savings Bank
10.2007 - 07.2009
University of Texas at San Antonio
Business Management - Marketing
University of the Incarnate Word
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