Ramiro Frausto
Loan Specialist
Mission Viejo,CA
Summary
Bilingual Loan Specialist offering 4 years of expertise in loan application processing and payment negotiation. Excellent track record of explaining complex financial information in simplified terms to foster customer comprehension. Meticulous and personable with proficiency in CAFS.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Loan Specialist
Small Business Administration
El Paso, TX
08.2021 - Current
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Collaborated with other departments to promptly process loan applications.
- Maintained strict confidentiality of bank records and client information.
Disclosure Desk Specialist
Lenox Financial Services
Irvine, CA
03.2021 - 08.2021
- Reviewed financial documents, pointing out and correcting financial errors.
- Audited and examined financial records, checking for accuracy and compliance with established regulations.
- Partnered with others in compliance department and in business units to fix and improve issues.
- Maintained knowledge of loan programs offered through bank.
- Scrutinized and reported on discrepancies in financial records and documents.
Licensed Mortgage Loan Officer
Sovereign Lending Group
Costa Mesa, CA
07.2019 - 03.2020
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Researched and updated industry knowledge on changing legislation and regulations.
- Assessed loan portfolios for compliance with underwriting policies.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Negotiated loan terms and conditions with customers to secure best deal.
- Explained different types of loans pertaining to client situations.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
General Manager
Great American Craft Spirits
Rancho Santa Margarita, CA
03.2019 - 05.2019
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
- Analyzed market trends and competitor activities to create competitive advantages.
- Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures, and technology systems.
- Updated and resolved incidents and managed accessorial charges objectively while maximizing profit.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
Sales Representative
Shadow Puppet Brewing Company
Livermore, CO
04.2018 - 03.2019
- Presented professional image consistent with company's brand values.
- Trained new employees on customer service, money handling and organizing strategies.
- Met existing customers to review current services and expand sales opportunities.
- Collaborated with managers to provide customer feedback and recommend operational changes to meet emerging trends.
- Managed customer accounts to secure customer satisfaction and repeat business.
Insurance Sales Agent
Aflac
Snowflake, AZ
02.2017 - 12.2017
- Researched and identified potential new markets.
- Generated leads through cold-calling, networking and other outreach methods.
- Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
- Provided comprehensive product knowledge and guidance to help clients on product selection.
Guest Service Manager
Renaissance Hotel Denver
Denver, CO
11.2013 - 12.2017
- Oversaw lobby operations and concierge services.
- Hired and trained new employees, demonstrating best methods for serving clients and guests.
- Understood and implemented safety and emergency procedures.
- Fostered safe lodging environment with reliable and effective security services.
- Attended to customer needs, responding to questions, complaints and escalations.
- Reviewed daily bookings, preparing guest rooms prior to arrival.
- Solicited and reviewed guest feedback and promptly resolved complaints.
Education
High School Diploma -
Saddleback College
Mission Viejo, CASkills
- Real Estate Loans
- Payment Scheduling
- Customer Assistance
- Data Security Practices
- Credit History Assessment
- Telephone Etiquette
- Bank Secrecy Act
- Microsoft Excel
- Judgment and Decision-Making
- Client Interviews
- Customer Proposals
- Deposit Verification
- Customer Interaction
- Payoff Planning
- Calculate Payments
Certification
Licensed MLO
Languages
Spanish
Limited Working
Timeline
Loan Specialist
Small Business Administration
08.2021 - Current
Disclosure Desk Specialist
Lenox Financial Services
03.2021 - 08.2021
Licensed Mortgage Loan Officer
Sovereign Lending Group
07.2019 - 03.2020
General Manager
Great American Craft Spirits
03.2019 - 05.2019
Sales Representative
Shadow Puppet Brewing Company
04.2018 - 03.2019
Insurance Sales Agent
Aflac
02.2017 - 12.2017
Guest Service Manager
Renaissance Hotel Denver
11.2013 - 12.2017
High School Diploma -
Saddleback College