Bill Ramirez Email & Phone Number

Charlotte, North Carolina Area

Responsible for market research, locating, analyzing, reposition, holding, and sale of residential and multi family real estate. Multi family target market is B C properties of 30-150 units that provide 10% cash on cash return, 8% cap with RUBS and other value add opportunities. Work closely with team of contractors to ensure completion of renovations on schedule and within budget. Negotiate high end short sales with lenders and often complete without any deficiency or similar adverse consequence to the homeowner.KEY ACCOMPLISHMENTS: Developed streamlined process to effectively target and manage acquisitions. Identified, pursued, and closed 70 business transactions valued at $21 million. Self manage rental properties and maintain CapEx budget for expenses. Networked with brokerage community to obtain off market properties and deal flow. Built team of real estate professionals to assist in asset acquisition and servicing. Performed financial, physical and legal due diligence. Achieved an average internal rate of return of 23% on all projects sold.

Charlotte, North Carolina Area

Directed startup and management of Mortgage Banking Department, a monumental undertaking comprised of service level guarantees, underwriting, regulatory compliance, licensing, rate sheet pricing, secondary market transactions, funding, and warehouse line management. Prepared annual budget, monthly forecasts and actual to budget variance analyses, rolling cash flow forecast, break even analysis, and metrics reporting. Collaborated with partners to create company’s strategic plan and vision. Oversaw and directed all HR and accounting tasks: recruitment, hiring, payroll, accounts payable and receivable, and annual audits. Managed IT department and drove company’s technology vision. Tracked, analyzed, and interpreted trends, costs, and revenues to predict future revenues and expenses. Forecasted opportunity and risk, communicating findings to managers to provide insight and understanding of key drivers of their performance. Led monthly review to keep management team abreast of financial matters and performance reporting.KEY ACCOMPLISHMENTS: Grew company from a five-associate, one-location startup to a 200-associate, award-winning business with eight locations throughout the Southeast. Achieved annual corporate revenues of $10M+ in consecutive years by incorporating proven management techniques and empowering employees. Two-time recipient of “Broker of the Year” (2002-North Carolina and 2003-South Carolina). Achieved highest Customer Satisfaction Rating (over 98.5%) based on Customer Care Surveys administered following loan closings. Finalist for Charlotte’s “Ethics in Business Award” as a result of customer satisfaction ratings and customer-focused problem resolution strategies. Corporate recipient of PricewaterhouseCoopers’ “Fast 50 Award,” ranking #16 of 38,000+ privately held companies in the Piedmont Region. Instrumental in company receiving Better Business Bureau’s Torch Award (given to one company per state) and Best Places to Work award.