Josie Ramos

Experience

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  Colligiate Funding servies

  Jan 1996 - Jan 1999

  Senior Rep

  Increased sales in department by originating Spanish accounts.Consolidated Federal Student loans in a call center.Outbound calls to produce new business accountsTranslated calls to assist service departmentEducated clients on their rights and benefits in consolidating their federal student loans.

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  Intuit

  Jan 2000 - Jan 2002

  Senior Sales Rep

  Assisted active small business clients which utilized QuickBooks, Quicken, Turbo Tax and POINT software update and order supplies to better run their businesses.Services tech-supportOutbound calls to produce new business accounts.

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  2004 ACA Financial

  Jan 2001 - Jun 2003

  Branch Manager/ Area Marketing Coordinator

  Started as Marketing Manager within 90 days was promoted to Branch Manager to a New Office. Continued to oversee marketing in my area including Fredericksburg, Spotsylvania, Manassas, and Woodbridge.Managed 5 Direct sales representatives in Branch and 25 employees in local areas implement marketing campaigns etc. P&L goals always met above goal by min 125% monthly and quarterly.Developed Excellence in Sales training courses,Interviewed and hired new employees and implemented new hire training. Speeding profitability from collections to include garnishments, field visits, and telemarketing strategies. Show less

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  Briner, Inc.

  Sept 2004 - Oct 2006

  Assistant to Senior Loan Officer

  Assisted Senior Loan Officer with Marketing, Filing, Originating Home Mortgages, and processing loan applications. Also duties included to assisting with processing Real Estate duties. Appraisals, Home Inspections, Insurance verification, etc. Expanded his clientel to spanish clients by translating and direct marketing to the specific market.

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  Wells Fargo Home Mortgage

  Oct 2006 - Apr 2013

  Mortgage Banker, Residential Finance, Mortgage Origination, Construction to Permanent lending, Real Estate Financial Services, FNMA, HUD, FHA/ VA, ALT-A Lending, Jumbo & Super Jumbo Investors, Bridge Financing, Lease Back & Construction Finance. IRA's, 401k Rollover, 529's, Business loans, SBA loans. Commercial lending.

  • Home Mortgage Consultant/Sales Manager

    Sept 2010 - Apr 2013

  • Senior Banker II

    Oct 2006 - Nov 2010
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  Brand Mortgage

  Apr 2014 - Jan 2015

  Senior Mortgage Banker

  Originate Residential Loans. Offered 1st time home buyers and VA loans. Mortgages, New Construction, FHA, USDA, RD, Land, and Conventional financing. Managed own book of business and managed retail leads to closing.

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  EverBank

  Jan 2015 - Jan 2016

  Mortgage Loan Officer

  Originate Residential Loans.

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  Movement Mortgage

  Jul 2016 - Dec 2017

  Senior Mortgage Loan Officer

  Originate Residential Loans. Offer 1st time home buyers and VA loans. Mortgages, New Construction, FHA, USDA, & VHDA.

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  Capital Bank, N.A.

  Mar 2018 - Oct 2018

  Mortgage Loan Officer
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  Summit Mortgage Corporation - NMLS# 1041

  Mar 2019 - Mar 2020

  Loan Officer
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  Micah Ecumenical Ministries

  Jul 2019 - Jan 2022

  Housing Locator
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  Central Virginia Housing

  Jan 2022 - now

  HUD Certified Counselor/Program Manager