JEANNE MARIE RAMIREZ
Fairfield
Summary
Strategic banking leader with 20+ years of experience driving business development, commercial lending, and client relationship growth across competitive markets. Proven ability to originate and structure financing solutions by combining credit expertise with real-time cash flow insights. Selected member of the Community & Business Banking National Council (2025–Present), representing field leadership and contributing to national strategy. Recognized for building high-value referral networks, generating consistent pipelines, and delivering tailored capital solutions that fuel business growth.
Overview
24
24
years of professional experience
Work History
Payment Solutions Market Manager
Elavon / U.S. Bank
East Bay Market, CA
01.2022 - Current
- Drive market-level growth by originating new client relationships and delivering cash flow-based financial solutions, including quick capital and pay-over-time financing
- Analyze client payment activity to identify lending opportunities and working capital needs, bridging payments and credit solutions
- Build and manage banker and COI referral networks, generating consistent pipeline and expanding market share
- Execute full business development lifecycle: prospecting, structuring solutions, and closing
- Selected to serve on the Community & Business Banking National Council, contributing to enterprise strategy and field alignment
Business Banking Specialist 3
U.S. Bank
01.2021 - 01.2022
- Originated and structured secured and unsecured business loans, aligning credit solutions with client financial profiles
- Performed credit analysis, income evaluation, and risk assessment to support sound lending decisions
- Generated new business through targeted prospecting and community engagement
- Delivered integrated solutions across lending, deposits, and treasury services
Branch Manager, AVP / VP (Multi-Bank Experience)
U.S. Bank | Bank of the West | Wells Fargo
01.2002 - 01.2021
- Led high-performing branches with full accountability for lending production, revenue growth, and client portfolio management
- Originated, reviewed, and closed consumer and small business loans, ensuring compliance and credit quality
- Drove significant business growth, including 220% increase in annual sales through strategic process and sales improvements
- Managed large teams and developed talent to exceed production, service, and operational goals
- Built strong community and business partnerships to expand lending pipelines and market presence
Education
B.A. - Broadcast & Electronic Communication Arts
San Francisco State University
A.A. - Business Management
Berkeley City College
Skills
- Business Development
- Commercial & Small Business Lending
- Asset-Based Lending Exposure
- Financial Analysis & Credit Evaluation
- Cash Flow & Working Capital Solutions
- Relationship Management & COI Partnerships
- Revenue Growth & Market Expansion
Accomplishments
- Selected Member, Community & Business Banking National Council (2025–Present)
- “Legends of Possible Award” – U.S. Bank (2018)
- Top Program Managers Award
- Consistent top performer in business development, lending, and client growth
Timeline
Payment Solutions Market Manager
Elavon / U.S. Bank
01.2022 - Current
Business Banking Specialist 3
U.S. Bank
01.2021 - 01.2022
Branch Manager, AVP / VP (Multi-Bank Experience)
U.S. Bank | Bank of the West | Wells Fargo
01.2002 - 01.2021
A.A. - Business Management
Berkeley City College
B.A. - Broadcast & Electronic Communication Arts
San Francisco State University