David J Ramirez Email & Phone Number

Basking Ridge, New Jersey, United States

Stirling, New Jersey

Ensure and maintain the profitability of the business by operating within established recommended guidelines and requirements for sales growth, food and labor costs, and controllable expenses. Coordinate and implement daily operations, plans and store marketing in an efficient manner. Conduct staff onboarding, training and coordinate employee development. Complete all accounting reports including cash flow statements, Profit/Loss, and Balance sheets. Manage employee payroll and other HR related tasks in an efficient manner. Perform team member evaluations to analyze individual performance.

Basking Ridge, Nj

*Analyze information received from indirect auto credit applications and credit reporting agencies to make prudent approval/decline credit decisions *Negotiate terms and conditions of loan decisions with dealers within established approval/exception guidelines while leveraging risk & reward, to ensure credit quality and profitability*Make exceptions to normal guidelines when necessary with approval from Lending Manager*Conduct customer interviews and investigations on sub-prime credit applications to gather and document information pertaining to making credit decisions*Monitor dealer productivity and calls dealers for approvals and follow up on pending contracts to increase capture and conversion ratios*Establish dealer relationships by building rapport through telephone and field calls*Develop and analyze credit goals and communicate strategies to dealers to accomplish said goals*Coordinate with the Operations Department to examine and evaluate proper documentation for funding*Partner with the Collections Department to resolve dealer collection issues*Actively participate in regularly scheduled staff meetings to communicate/share trends, P&P, goals, updates, and other pertinent information with team members and managers

Warren, Nj

* Completed State Life & Health Insurance Licensing process for purposes of offering retirement solutions and insurance needs to new and existing clients.* Responsible for soliciting insurance products offered through various insurance companies partnered with TD Bank for compensation or gain.* Provided product and referral training to Non-Licensed & less experienced branch employees for purposes of increasing referrals & book of business. * Networked with Wealth Management leads and TD Ameritrade Registered Investment Advisors to discuss additional referral methods and product offerings to ease the client transition from FDIC insured deposits, to non-FDIC insured investment options.* Met with clients and prospects to develop an understanding of the needs and financial objectives while suggesting appropriate product and service solutions, while referring to TD Wealth & TD Ameritrade Investment advisors, if applicable.* Met with current & prospective business account holders while referring the client to the Branch manager for additional small business product and service opportunities including, but not limited to, Business Loans & Lines, SBA Financing, Merchant services, and other commercial banking needs.* Consistently contributed towards quarterly “Money- Out” goals by acquiring over $1 Million dollars in approved & closed loans per quarter.* Responsible for achieving high quarterly sales results as the stores primary sales representative and lead loan/mortgage originator, and loan closer.* Assisted new & existing clients with account openings, account maintenance, and loan/mortgage origination while maintaining an active Certified Consumer Lender/National Mortgage Licensing System (NMLS) registration.* Performed preliminary loan calculations including Debt/Income, Loan to Value ratios, and reviewing other internal criteria’s for potential borrowers.* Aided management in fore-seeing branch operations and training in their absence.

Warren, Nj

* Met with existing clients and prospects to understand their financial needs and make referrals to other bank partners on a case by case basis.* Solicit clients on additional product and service offerings by maintaining strong product & sales knowledge & core values.* Provided exceptional customer service by responding to generic customer inquiries as they related to account issues, product questions and used the "Bump Up" escalation model as necessary to ease any concerns of the client.* Responsible for meeting and/or exceeding individual sales goals.* Cross-sell products to new and existing bank customers to provide enhancement to their current banking relationship.* Received cross-training for teller duties such as accepting loan payments, cash handling & verification, correcting transaction discrepancies as required, and balancing & replenishing of store Automated Teller Machines (ATMs)  Assisted with operations in preparation of quarterly branch audits.

Warren, Nj

* Accessed customer information to make proper account recommendations and suggested various service solutions.* Sold customers on the values and benefits of suggested products to close sales and increase branch revenue numbers.* Ensured customer concerns were handled were handled independently and escalated more complex issues to a supervisor.* Adhered to safe deposit box access procedures, operations & guidelines.* Took residential loan, mortgage, and credit card applications and negotiated rates and terms for potential lending prospects.