Melissa Ramirez
Fresno,CA
Summary
Trustworthy employee focused on honoring company ethics and preserving confidentiality. Highly analytical, deadline-driven, completes accounting activities with accuracy and speed.
Professional with comprehensive background in risk assessment and financial analysis. Skilled in evaluating and underwriting auto insurance policies, ensuring adherence to guidelines and regulatory standards. Valued for collaborative approach, adaptability, and consistent delivery of high-quality results. Proficient in data analysis, customer service, and decision-making. Respected for reliability, strategic thinking, and effective communication.
Overview
12
12
years of professional experience
Work History
Finance Manager
Auto Resources
01.2023 - Current
- Finalize auto loans and process loans
- Negotiate contracts for lenders to purchase to maximize profits
- Ensured a positive customer experience
- Processed payments and applied to customer balances
- Accessed credit records to evaluate customer histories
- Set up and update customer accounts with interactions, payments and personal information
- Sold additional products
- Reviewed documentation and identified financial discrepancies where applicable.
- Managed multimillion-dollar budgets, ensuring accurate allocation across departments.
Business Development Officer/Area Sales Manager
Zinc Financial Inc/Zinc Auto Finance
07.2020 - 12.2022
- Cold calling managed approximately 100 calls and average 70 emails
- Build relationship with investors
- Originate mortgage loans
- Building relationship with dealers
- Reviewing auto loans- restructure deals
- Manage dealer accounts (titles, buybacks and applications)
- Boosted client satisfaction by identifying and addressing their specific needs through tailored business solutions.
- Developed new sales strategies to target untapped markets, resulting in increased revenue generation.
- Strengthened relationships with key clients by providing exceptional support and maintaining regular communication.
- Delivered campaigns to solidify new client opportunities and generate new business.
- Negotiated contracts with vendors and clients, ensuring favorable terms for the company''s success.
Caregiver
IHSS
10.2019 - 05.2020
- Drove to appointments
- Set appointments
- Prep food on a daily
- Organized medication
- Followed up with doctors
Finance Manager
ABC NISSAN
03.2019 - 08.2019
- Finalize paperwork for the customer's auto loan
- Follow up with customers to collect information and verify details
- Accessed credit records to evaluate customer histories
- Sold additional products
- Collected and arranged information and entered details into the computer database
- Ensured compliance with local, state, federal tax regulations; timely filing of all required documents, mitigating potential penalties or fines.
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Monitored budget and revenue trends, compiling reports for company leadership to inform decision-making.
- Negotiated favorable terms with vendors, resulting in significant cost savings for the company.
Finance Manager/Finance Director
Family Motors - Delano/Hanford/Fresno
08.2014 - 02.2019
- Company Overview: Hanford Hyundai/Delano Chevrolet/ Fresno Buick GMC
- Follow up with customers to collect information and verify details
- Accessed credit records to evaluate customer histories
- Collected and arranged information and entered details into the computer database
- Finalize auto loans and process loans
- Set clear departmental objectives and developed effective strategies to achieve targeted goals
- Ensured a positive customer experience
- Processed payments and applied to customer balances
- Accessed credit records to evaluate customer histories
- Trained new employees on financing principles and company procedures
- Set up and update customer accounts with interactions, payments and personal information
- Sold additional products
- Reviewed documentation and identified financial discrepancies where applicable.
- Streamlined month-end close process, reducing time spent on manual tasks and improving data accuracy.
- Trained new and existing staff members in various financial procedures to prepare for job requirements.
- Negotiated favorable terms with vendors, resulting in significant cost savings for the company.
Branch Supervisor
Lobel Financial
08.2013 - 07.2014
- Processed new auto accounts
- Processed contracts from dealers and verified all information provided
- Motivated, trained and disciplined employees to meet performance benchmarks
- Assigned job roles and oversaw performance
- Boosted customer satisfaction with attentive service and prompt resolution of issues.
- Motivated, trained and disciplined employees to meet performance benchmarks.
- Assigned job roles and oversaw performance.
- Handled escalated customer complaints professionally while working towards swift resolutions that maintained client satisfaction levels.
- Delivered product and service quality and inspired team members to reach and maintain department goals and objectives.
- Coordinated with other departments to ensure seamless communication and efficient workflow across the organization.
- Managed daily operations for smooth functioning, ensuring a high level of productivity.
- Led team meetings to share updates, discuss performance metrics, and set goals for improvement.
Underwriter
Lobel Financial
01.2013 - 08.2013
- Reviewed, classified, Processed new auto accounts
- Processed contracts from dealers and verified all information provided
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
Education
Associate of Arts - Business
Fresno City College
Fresno, CA06.2009
High School Diploma -
Fresno High School
Fresno, CA06.2007
Skills
- Customer service
- Dealer/lender relationships
- Skilled in Microsoft Office
- Strong verbal and written communication skills
- Time management
- Credit analysis
- Regulatory compliance
- Insurance products
- KPI management
- Lending practices
- Deal structuring
- Sales process development
- Financial audits
- Financial analysis and reporting
Languages
Spanish
Professional Working
Timeline
Finance Manager
Auto Resources
01.2023 - Current
Business Development Officer/Area Sales Manager
Zinc Financial Inc/Zinc Auto Finance
07.2020 - 12.2022
Caregiver
IHSS
10.2019 - 05.2020
Finance Manager
ABC NISSAN
03.2019 - 08.2019
Finance Manager/Finance Director
Family Motors - Delano/Hanford/Fresno
08.2014 - 02.2019
Branch Supervisor
Lobel Financial
08.2013 - 07.2014
Underwriter
Lobel Financial
01.2013 - 08.2013
Associate of Arts - Business
Fresno City College
High School Diploma -
Fresno High School
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