Eduardo Ramirez

Experience

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  CEMEX

  Sept 2009 - Aug 2013

  National Advisory Service Center / Asesor de Centro de Servicio

  • Advisor in Cemex proyect called "Valuable Offers", direct attention to external and internal customers..• Based on improving our efficiency goals such as multi sales, sales volume of cement, among others.• Capture and monitor new prospective customers for branches Promexma.• Support in the area of back office and Promoters..• Training new staff.• Sale of construccion materials for direct customers and the public sector nationwide.• Basic knowledge of construction materials.• Direct contact with customers and a way with words.• Generation of shipping orders within the SAP tool, portfolio, inventory management and information support on contracts. Show less

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  Financiera Bepensa

  Aug 2013 - Feb 2014

  Business Executive / Ejecutivo comercial

  • Field work, search for prospective clients.• Find and define the specific market for my companys product.• Direct contact with the client and vehicle dealers.• Motivate the customer to take the product and help him be financially stable.• Organization of projects and events.

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  CEMEX

  Mar 2014 - Aug 2015

  Market Promoter and Sales Mexico / Representante de Zona

  • Implementation of marketing strategies.• Help develope costumers to increase purchasing power.• Open new relationships with prospective customers and responsible for visiting and interacting with established customers under general supervision.• Support to implement Construrama's Valuable Offers.• Constant attention to the customer and continuous improvement in the quality of service and product. • Study of market prices and services provided by others to improve our own.• Increased customer base and trading volume of cement and concrete.• Monthly sales of 500,000.00 dollars and in constant search for growth. • Manages to ensure excellent customer relations. Responds to customer needs, culture, and business practices. Identify and implement solutions to problems. Show less

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  Wells Fargo

  Jan 2016 - Jul 2022

  • Responsible for analyzing moderate to difficult individual consumer credit requests using company and industry guidelines which included Fannie Mae, Freddie Mac policy, State and Federal guidelines to mitigate risk for our investors.• Completed rigorous training program to be delegated and have lending authority on behalf on my employer.• Implement analysis, data management, and forecasting of current and future financial performance of files for profitability. • Experience analyzing financial statements of moderate to high complexity and accumulating data to support credit decisions. • Minimal supervision is needed. Self-driven with no inaccuracies reported in credit logic submitted for review to support final decision within the past 3 years. • Periodically tasked with the responsibility of financial analytics, forecasting and the mentoring of new members and current associates. • Strong ability to use deductive and inductive reasoning, draw well-reasoned conclusions, and defend the conclusions with quantitative and qualitative facts. Thorough knowledge of accounting principles and practices, economics, and general business acumen.• Strong ability to interpret financial or non-financial information, borrower interviews, and various third-party inputs for the purpose of identifying credit risk.• Proficient in Purchase, Refinance and Cash Out Transactions. • In depth knowledge of credit applications, credit bureau reports, collateral valuation, debt to income ratios, tax documents, financial statements.• Always applying great performance to productivity to inspire customer loyalty and partner relationships. A clear communication to our loan partners was a must to discuss the financial outcome of the loan and work with them if needed to fine-tune an adequate solution which would assure a great result in audits. • Appropriate handling of documents and deep understanding and comprehension of all state, federal and internal policies and regulations. Show less • Develop a client base by growing relationships with your network, establish and maintain strong customer relationships, offering guidance, and providing solutions to help families obtain financial freedom.• Presenting clients with the ability to preserve their retirement and grow their wealth. Use the latest software, and product illustrations to guide clients through important financial decisions.• Support the day-to-day business needs of the sales organization with expert knowledge of all banking products meeting all goals.• Analyze financial information obtained from clients to determine strategies, financial products, and services to help clients meet their financial objectives (Debit Products, Credit Products and HELOC’s based on customer needs). • Assists in leadership areas including coaching, training, and mentoring to other team members.• Deliver world class service to every customer on each phone call, increasing overall retention.• Ability to handle a wide range of information professionally and confidentially to avoid all risks and policy violations.• Contact clients periodically to determine if there have been changes in their financial status.• Able to understand and originate fraud cases accordingly and follow up with customer to set expectations.• Subject matter expert to enhance a culture that influences employee behavior and knowledge ensuring organizational goals are being met. • Performed team meetings to keep peers up to date on best practices, expectations, and follow-ups. As a rising star program member, I would mentor new hires with the knowledge I have acquired in these four years with Wells Fargo. Show less

  • Associate Underwriter

    Feb 2020 - Jul 2022

  • Premier Banker / HELOC Originations

    Jan 2016 - Feb 2020
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  CarMax

  Feb 2018 - Jul 2019

  Lead Business Office Associate

  As a lead I had the responsibility of processing paperwork associated with retail automobiles sales, creating and printing daily reports, maintaining deal jackets, contacting finance companies regarding contracts, obtaining required information regarding registration and titling, and auditing completed paperwork. When new Business Office Associates were hired, I took the responsibility of mentoring and helping with their development and training. Guidelines within the company are very strict, had to adapt and assist store personnel and all store departments in their daily functions. CarMax is one of the biggest used car retailers in the country so when we had a very busy day I had to be certain to delegate various business office tasks when needed and making independent decisions with a sound judgement. I would keep a healthy relationship with everyone I worked with, trying to build rapport to enforce trust in the workplace. Every day after the store closed, it was my duty to manage the cash and checks for deposits considering the security and safe procedures. Show less

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  Pilgrim Mortgage

  Jul 2022 - Oct 2022

  Loan Partner

  • Worked directly with our Loan Officer to help our applicants through the mortgage loan process with a well-kept agenda.• Time management and ability to meet deadlines on short notice.• Nurture relationships with both referral partners and borrowers to draw in new business and retain our existing clients. • Handle files from beginning to close as well as collect, compile, verify, and analyze financial information and economic indicators to ensure the best results. • Excellent customer service with great communication to guarantee our leadership and customers have all the accurate information to make a strong and satisfactory decision. • Always maintaining a strong understanding of policies, regulations, mortgage loan products like FHA/VA/CONV/USDA and DPA Programs in order to provide a tailor-made solution which would help mitigate all risk on both ends. • Understanding document requirements, application process and investors procedures to conduct the statistical analysis required.• Strong mathematical knowledge to assess Debt to Income Ratios properly and with accuracy. • Knowledge and comprehension of documents like: W2’s, 1099’s Tax Returns (Rental Income, Self-Employment, S-Corp and Others), Retirement and others. Ability to recognize any inconsistencies before a pre-qualification or pre-approval.• Loan origination software knowledge like Encompass, Xactus (Credit Plus), Optimal Blue, Floify, Mortgage Coach and Follow Up Boss. • Experience engaging in conversations with borrowers that may sometimes include difficult questions or sensitive topics while remaining relationship focused and striving for customer satisfaction.• Extreme organization, working knowledge and understanding of loan structure and the automated underwriting systems such as DU and LP for successful transitioning between the loan stages. • Excellent understanding and comprehension of state and federal banking regulations(Reg E, B, C, CC, DD, O, V, Z including FACTA, HMDA and more). Show less

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  Superior Ironworks Co. LLC

  Oct 2022 - now

  Project Executive

  • Analyze drawings, bid specifications, and scopes of work within division 05 metals to prepare estimates (time, cost, material take-offs, and labor) for commercial and residential projects.• Ability to manage multiple tasks and work well under time constraints with organization and good time management. • Strong work ethic, analytical skills, attention to detail, and processes.• Communicate with clients, vendors, general contractors, and employees regarding all aspects of bid and/or project details, clarifications, and changes.• Conducts regular project inspections, monitors work progress, quality of work and safety • Read and interpret structural & architectural plans. Intermediate knowledge in civil drawings.• Prepare accurate proposals and quotes to submit to customers within specified due dates.• Prepare for execution of awarded projects.• Manage product delivery schedules, costs, and executed change orders.• Travel to site visits, client meetings, and installation projects as needed.• Participate in activities and meetings on-site to gain an understanding of our work and client needs.• Manage marketing, account follow-up, and invoicing.• Perform account analysis for any discrepancies or variances identified.• Prepare balance sheet, income statements and cash flow statements. • Maintain high standards of workmanship that accurately reflect the original plans and specifications• General knowledge of the industry's materials, machines, tools, and equipment.• Ability to manage various Take-off programs like Procore and PDFelement with the addition of MS Office. Show less