Steven Beltramea Sr.
Fairfield,IA
Summary
Dynamic leader specializing in team training and development. Expertise in enhancing customer experiences and driving financial performance through strategic scheduling and effective communication. Strong background in retail operations and financial analysis, delivering measurable results in performance improvement.
Overview
18
18
years of professional experience
Work History
Overnight Coach, S3 Team Lead, S2 Team Lead
Walmart
Ottumwa, Iowa
07.2022 - 11.2025
- Led, trained, and developed hourly associates.
- Oversaw the daily stocking of all incoming freight.
- Implemented schedules and job assignments to enhance customer shopping experiences.
- Utilized strong communication skills to provide feedback to correct associate deficiencies.
- Evaluated P&L statements, assisted in budgeting, and controlled expenses to drive financial performance and sales.
- Recruited and mentored associates to build a stronger team.
Realtor, Licensed in the State of Iowa
Exit Eastern Iowa Real Estate
Cedar Rapids, IA
06.2017 - 12.2023
- Helped clients buy or sell residential real estate.
- I utilized my communication skills to build business relationships with new clients.
- I used my previous work experience as a mortgage loan officer to help clients gain pre-approval for financing prior to searching for properties.
- Used time management skills to keep clients moving through the buying process from start to finish, without missing deadlines.
Mortgage Loan Officer
Community 1st Credit Union
Fairfield, IA
04.2015 - 06.2017
- I followed our credit union's loan policy to originate residential real estate loans.
- I looked for opportunities to cross-sell other credit union products and services to strengthen our members' business relationships.
Mortgage Loan Officer
Libertyville Savings Bank
Fairfield, IA
10.2012 - 03.2015
- I used my network of local real estate professionals to make Libertyville Savings Bank the #1 residential real estate lender in Fairfield.
- I used my knowledge and experience about secondary market loans to generate record loan origination fee income.
- Due to a change in TILA-RESPA Disclosure regulations, I educated our bank managers about how to meet compliance requirements.
- I looked for opportunities to pay off loans with our competitors to enhance overall profitability.
Vice President of Real Estate Lending
First National Bank in Fairfield
Fairfield, IA
10.2007 - 10.2012
- I participated in the bank's credit committee to vote on large consumer and commercial loan requests.
- Used the bank's loan underwriting guidelines to approve residential real estate loans of up to $150,000 each.
- Became proficient at originating secondary market real estate loans to generate record loan origination fee income.
- Followed acceptable loan collection techniques to reduce loan losses.
Education
MBA -
St. Ambrose University
Davenport, IA05-1990
BBA - Finance Major
Iowa State University
Ames, IA12-1986
Skills
- Leadership and team development
- Retail operations management
- Financial analysis and reporting
- Verbal and written communication
- Basic computer proficiency
- Customer service excellence
Timeline
Overnight Coach, S3 Team Lead, S2 Team Lead
Walmart
07.2022 - 11.2025
Realtor, Licensed in the State of Iowa
Exit Eastern Iowa Real Estate
06.2017 - 12.2023
Mortgage Loan Officer
Community 1st Credit Union
04.2015 - 06.2017
Mortgage Loan Officer
Libertyville Savings Bank
10.2012 - 03.2015
Vice President of Real Estate Lending
First National Bank in Fairfield
10.2007 - 10.2012
MBA -
St. Ambrose University
BBA - Finance Major
Iowa State University