Michelle Ramirez
Cape Coral
Summary
Accomplished banking professional with more than 15 years of experience in commercial lending operations, banking administration, client relationship management, and financial operations. Experienced in supporting complex financial transactions, maintaining regulatory compliance, coordinating documentation, and delivering exceptional service to clients and financial professionals. Recognized for accuracy, confidentiality, operational excellence, and building trusted relationships while supporting high-quality client experiences. Bilingual in English and Spanish.
Overview
2
2
Languages
18
18
years of professional experience
Work History
Loan Coordinator
FineMark National Bank
Fort Myers
12.2024 - 08.2025
- Acted as the primary operational liaison between loan officers, credit analysts, appraisers, title companies, attorneys, and clients throughout residential and commercial lending transactions.
- Reviewed and verified financial documentation for completeness, regulatory compliance, and funding readiness.
- Coordinated timely setup and maintenance of loan files, ensuring completeness and accuracy of documentation for smooth processing.
- Processed loan documentation including title work, insurance verification, flood determinations, OFAC screenings, UCC filings, and collateral documentation.
- Managed appraisal ordering, tracking, and communication, facilitating efficient operations for lending teams nationwide.
- Assisted with funding, booking, account documentation, and post-closing quality control.
- Maintained confidential client information while ensuring compliance with banking regulations and internal policies.
- Collaborated with multiple departments to deliver seamless operational support and enhance client service experience.
- Assisted Spanish-speaking clients by providing bilingual support throughout the lending process. for Spanish-speaking clients throughout the lending process.
Assistant Branch Manager
Sanibel Captiva Community Bank
Fort Myers
04.2019 - 12.2024
- Assisted branch leadership with daily operations, audits, scheduling, training, and operational support.
- Managed treasury management onboarding, including ACH, Positive Pay, Remote Deposit Capture, and Wire services.
- Trained and mentored employees across multiple departments while promoting exceptional customer service standards.
- Assisted customers with deposit accounts, consumer lending, digital banking, and business banking services.
- Built lasting relationships with consumer and business clients through personalized financial solutions.
- Became a trusted advisor and primary point of contact for numerous clients throughout Southwest Florida.
- Supported internal compliance initiatives and operational improvement efforts.
- Provided bilingual translation services in Spanish for branch communications and client interactions.
Member Service Representative
Midflorida Credit Union
Arcadia
01.2014 - 04.2019
- Assisted members with deposit accounts and lending referrals, promoting informed financial decisions and product awareness.
- Delivered financial service, fostering strong client relationships and enhancing member satisfaction.
- Processed consumer transactions accurately, ensuring seamless service and trust in financial operations.
- Consistently maintained operational accuracy and regulatory compliance.
Personal Banker
Wells Fargo & Company
Arcadia
01.2008 - 01.2014
- Ranked among the Top 5% of bankers within the district for sales performance and customer experience.
- Consistently exceeded quarterly sales and service goals.
- Cultivated consumer and business banking relationships through consultative financial conversations, enhancing client satisfaction and loyalty.
- Delivered financial education seminars for businesses, colleges, and Spanish-speaking communities, empowering attendees with essential financial knowledge.
- Acted as district Spanish translator and trainer for new employees, ensuring effective communication and onboarding within diverse teams.
Education
Bachelor of Science - Applied Management
Grand Canyon University
05-2027
Associate of Arts - Business Administration And Management
South Florida State College
04-2024
Skills
- Trust Administration Support
- Trust Account Administration
- Client Relationship Management
- Investment Operations Support
- Commercial Lending Operations
- New Account Processing
- Transaction Processing
- Asset Reconciliation
- Financial Documentation
- Regulatory Compliance
- Portfolio & Account Support
- Treasury Services
- Operational Excellence
- Microsoft Office Suite
- Attention to Detail
- Confidential Information Management
- Bilingual: English & Spanish
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
Affiliations
- Directed leadership development and training initiatives for volunteer teams, providing coaching, mentorship, and educational resources.
- Coordinated multilingual translation services for large community events, managing schedules, and supporting English -, Spanish -, and ASL -, speaking participants.
- Planned and facilitated leadership workshops, educational seminars, and volunteer development programs.
- Managed confidential financial contributions and assisted with accurate record keeping and weekly deposit preparation.
Timeline
Loan Coordinator
FineMark National Bank
12.2024 - 08.2025
Assistant Branch Manager
Sanibel Captiva Community Bank
04.2019 - 12.2024
Member Service Representative
Midflorida Credit Union
01.2014 - 04.2019
Personal Banker
Wells Fargo & Company
01.2008 - 01.2014
Bachelor of Science - Applied Management
Grand Canyon University
Associate of Arts - Business Administration And Management
South Florida State College