Marina Ramirez Email & Phone Number

West Palm Beach, Fl, Us

Palm Beach County, Florida

Assisting Hands is a private duty, home care organization committed to offering its clients the highest quality of medical and non medical care personalized to fit their needs, which allows them to live safely and comfortably in their own homes. Our services include: skilled care, home care and companionship (meal preparation, medication reminders, shopping /errands, light housekeeping, laundry, personal care and help with bathing & dressing). We serve clients throughout Palm Beach County from a few hours a day to 24/7.

San Juan, Puerto Rico

• Managed all aspects of client relationship.• Segmented clients’ database to re-design direct marketing strategy, resulting in an average 10% growth in response rate. • Analyzed responses to campaigns in order to continually refine models, resulting in tighter targeting and reduced waste.• Worked independently to research, map and establish content, message and tone for website. • Examined market, developed marketing plan, identified targets and led energetic new client search. Result: grew client base by 25%. • Mediated alliances with local suppliers to cross-leverage relationships.

• Led team in the development of strategies and compelling marketing plans to enhance account activation, use and retention. Accountable for product profitability and budget. • Oversaw design of profit models and results tracking mechanisms measuring efficiency and effectiveness. Monitored market trends and competitor programs, identified market and customer segment opportunities and designed positioning strategies. • Successfully completed two system conversions, a change of reporting from international to domestic and implemented profitable programs which resulted in significant growth in various important metrics (total balances: 32%, sales per active account: 57%, balance transfers from other banks: 102% and EBIT: 59%).

• Responsibilities grew to include credit cards, personal loans and lines of credit. • Led team of highly organized product officers who managed different individual lending products, including product development, profitability, budgets, new launches and marketing strategies. • Growth reflected as follows: credit card portfolio balances: 14%, average balance per account: 11%, active accounts: 8% and new loan originations: 4%.

San Juan, Puerto Rico

• Responsible for marketing strategies for credit card, personal and auto loans. Developed new products, devised advertising campaigns, monitored market trends and generated/managed budgets. • Co-wrote the annual President’s address to shareholders.

San Juan, Puerto Rico

• Assisted bank President in key projects, including review of credit analysis and establishment of new services and programs.

San Juan, Puerto Rico

• Managed accounts in bankruptcy and workout situations. In charge of negotiations, loan restructuring and documentation. Advised clients to improve financial condition.• Analyzed credit requests and prepared lending proposals, including industry risk profile, market characteristics and trends, financial statements and breakeven analysis/projections.• Trainee at the Western Hemisphere Professional Development Program - Covered accounting, financial markets, foreign exchange, risk management, corporate finance and credit analysis.

Master Of Business Administration (M.B.A.), Marketing

Activities and Societies: Women in Leadership, Hispanic StudentsMBA

Bachelor Science Business Administration, Finance, General

Bachelor Of Business Administration - Bba, Finance, General

High School Diploma