Summary
Overview
Work History
Education
Skills
Additional Information
Awards
Otherworkingexperience
Timeline
Generic

Zlatan Ramic

Salt Lake City,UT

Summary

Finance and Accounting Intern with a diverse skill set and strong adaptability gained from various international experiences. Demonstrates leadership and critical thinking skills through roles in coaching and lending, effectively enhancing team performance and managing cross-departmental tasks. Eager to leverage analytical abilities and customer service expertise to contribute to a dynamic financial environment.

Overview

2
2
years of professional experience

Work History

Lending Analytics Intern

Truity Federal Credit Union
Bartlesville, US
05.2024 - Current
  • Cross-Departmental Support: Worked dynamically across Mortgage Sales, Mortgage Operations, Consumer Lending, and Credit Resolution, Collections departments.
  • Handled tasks for multiple departments daily, adapting quickly to changing responsibilities and priorities.
  • On-the-Job Training and Day-to-Day Tasks: I trained and performed daily operational tasks in each department, maintaining a seamless integration with staff who were unaware of my analytical role.
  • Tasks included:
  • Mortgage Operations: Managed stacking, post-closing quality control, ordered property appraisals, interviewed clients, and onboarded mortgage files.
  • Pulled monthly T&I disbursement reports and handled investor funding.
  • Attended marketing events and used software including Mercury, FICS, Cadence, and Symitar.
  • Consumer Lending: Conducted underwriting and loan evaluations, approved or declined car loans, credit cards, personal loans, and assessed client risk using Arc OS and Akcelerant.
  • Credit Resolutions: Processed loan extensions/modifications, handled charge-offs, maintained a delinquency tracking spreadsheet for unsecured loans, and collaborated with repossession vendors and small claims court.
  • Utilized J.D Power vehicle appraisal, DocuSign, Symitar, and Akcelerant
  • Performance and Metrics Reporting: Compiled and reported key metrics and performance data to the Senior Manager of Lending, providing insights on operational effectiveness and lending performance
  • Mortgage Market Expansion Analysis: Conducted a deep-dive analysis into mortgage market trends, rates, and share
  • Evaluated strategic management options for the mortgage portfolio, including decisions on whether to retain loans or sell them to Freddie Mac based on market rate circumstances.
  • Strategic Partnership Development: Initiated and developed a mortgage expansion project, leveraging personal connections to propose a partnership with a brokerage firm, with the potential to generate over $100 million annually in mortgage production
  • Facilitated meetings between executives from both organizations to discuss strategic alignment and partnership terms
  • Executive-Level Presentations: Delivered comprehensive project presentations on mortgage expansion and lending portfolio analysis to middle and senior management, as well as board members.
  • Effectively communicated strategic recommendations, metrics, and performance evaluations across all levels of leadership.
  • Lending Portfolio Analysis: Led the development and presentation of a full lending portfolio analysis, which integrated key performance metrics from all lending departments.
  • This analysis served as a basis for evaluating the credit union's overall lending performance.
  • Internship Extension: Achieved outstanding results that led to the first extension of an internship at Truity Credit Union, demonstrating strong performance, adaptability, and an ability to exceed expectations.

Soccer Coach

Northeastern Oklahoma Futbol Club
Owasso, OK
08.2022 - Current
  • Developed team strategies, tactics, formations, and set plays for competitive matches.
  • Evaluated players' performance during practice sessions and games.
  • Analyzed game film from previous matches in order to identify areas of improvement for upcoming contests.
  • Assisted with fundraising activities for the soccer program.
  • Supervised assistant coaches throughout all aspects of the soccer program.
  • Instilled love of sport by helping players to fully grasp gameplay.
  • Facilitated communication between players and staff members when issues arise.
  • Developed and implemented rigorous practice routines to enhance player skills and promote teamwork.
  • Coached 3 different teams simultaneously, at 3 different age groups.

Accounting/Sales Intern

RE/MAX Stratus Real Estate Solutions
Salt Lake City, US
05.2023 - 08.2023
  • Maintained and updated financial records for over 300 agents, ensuring accuracy and compliance with company standards.
  • Accounts Receivable and Payable: Processed invoices, monitored outstanding accounts, and coordinated with agents to ensure timely payments.
  • Sales Support: Assisted in tracking sales transactions, updating listings, and managing client communications to streamline sales processes.
  • Data Analysis: Analyzed monthly financial statements and prepared summary reports to inform management of sales performance and profitability metrics.
  • Client Billing and Invoicing: Prepared and issued invoices for clients, resolving any discrepancies, and ensuring prompt payment collection.
  • Expense Management: Assisted in tracking office and agent-related expenses and contributed to budgeting and forecasting efforts.
  • Compliance and Documentation: Ensured all financial documents met regulatory standards, organized files, and maintained confidentiality of sensitive information.
  • Sales Reporting: Compiled and analyzed sales data to support business decisions, identifying patterns to enhance agency operations.
  • Administrative Support: Collaborated with the accounting and sales teams to handle various administrative tasks, including filing, report generation, and database management.
  • Customer Service: Acted as a liaison between agents and clients, addressing inquiries and providing solutions to enhance customer satisfaction.

Education

MBA - Business Analytics

Oklahoma Wesleyan University
Bartlesville
08-2027

Bachelor of Science - Accounting

Oklahoma Wesleyan University
Bartlesville, OK
05-2025

Skills

  • Multilingual
  • Budget coordination
  • Market Analysis
  • Portfolio management understanding
  • Strategic planning and organization
  • Presentations
  • Strong verbal communication
  • Interpersonal and written communication
  • Entrepreneurial personality
  • Risk Management
  • Adaptability
  • Microsoft Excel Software Proficiency

Additional Information

  • Spent the summer of 2022 training with a Major League Soccer franchise Real Salt Lake., Visited more than 10 US states within the past 2.5 years., Survived a deadly parasitic disease at the age of 5.,
  • Victim of a stabbing at age 14.,
  • Left home at 12.

Awards

  • Member of the Bosnia and Herzegovina Soccer National Team for 4 years (U15-U19)
  • Third team All-American
  • First team All-Conference
  • KCAC Conference Playoffs Most Valuable Player
  • KCAC Regular Season Champion
  • KCAC Playoffs Champion
  • NAIA National Championship Semi-finalist
  • NAIA TOP 25 Poll #1 Ranked in the Nation (2024)
  • National Level Honors in Middle School Mathematics and Physics Competitions (45 in the Country)

Otherworkingexperience

  • Delivery Driver
  • Construction Worker at Albox Company
  • Restaurant Server

Timeline

Lending Analytics Intern

Truity Federal Credit Union
05.2024 - Current

Accounting/Sales Intern

RE/MAX Stratus Real Estate Solutions
05.2023 - 08.2023

Soccer Coach

Northeastern Oklahoma Futbol Club
08.2022 - Current

MBA - Business Analytics

Oklahoma Wesleyan University

Bachelor of Science - Accounting

Oklahoma Wesleyan University

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Zlatan Ramic