Raymond S. Email & Phone Number

San Francisco Bay Area

San Jose, California, United States

• Negotiates, underwrites and coordinates the closing of Commercial & Industrial credit products in compliance with the Bank's lending policies and procedures• Assists Business Development Officers and Relationship Managers in interviewing prospective applicants and requests specified information related to loan or credit applications; corresponds or re-interviews applicants to resolve questions regarding application information.• Gather and analyze all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential clients; visits sites of loans; negotiates loan terms and conditions.• Coordinates processing of approved loans; ensures loans are processed according to agreement, client needs, and conform to Bank lending policies; obtains sufficient information and/or documentation from clients; solves problems relative to processing and servicing of loans within portfolio; approves loan disbursements in accordance with agreements.

• Assists in writing loan requests and proposals• Prepare spreadsheets and analyzes financial information including financial statements and tax returns• Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of bank policy and current economic and industry trends• Make recommendations on loan structures and terms to loan officers and assists in the writing of financial analysis and reports

San Francisco Bay Area

• Mobile Expert responsible for customer service, resolving customer issues, and troubleshooting all while providing a great customer experience• Inventory management• Handling cash transactions• Running opening and closing procedures including the handling large amounts of cash• Suggesting products or services that fit the customer’s needs

Twentynine Palms, California

Employed the M4 service rifle, the M203 grenade launcher and the M249 squad automatic weapon (SAW), AT-4s, and M72 Light Anti-Tank Weapon (LAW) rockets. Was also a fire team leader in charge of three other Marines

Twentynine Palms, California

• Analyzed difficulties of shooters during dry and live fire exercises in all phases of the Marine Corps Marksmanship Program during qualification and re-qualification • Assisted in the operation of firing ranges.

Norfolk, Virginia Area

Conducted offensive infantry tactics in confined spaces, ashore and afloat, to restore breached security and provide the final barrier/element of an integrated security plan for the asset being protected. Planned, evaluated, and supervised the implementation of site-specific security plans to protect assets designated as vital to the national security.

Master Of Business Administration - Mba, Business

Bachelor'S Degree, Business Finance, Economics Minor, A

Activities and Societies: Financial Management AssociationGPA 3.8

Associate Of Science - As, Computer Information Systems Network Administration, A

GPA 3.9

Associate'S Degree, Scientific Inquiry And Quantitative Reasoning, A

GPA 3.9

Associate'S Degree, Business Administration And Management, General, A

GPA 3.9

Associate'S Degree, Sociology, A

GPA 3.9

Associate'S Degree, Social And Behavioral Sciences, A

GPA 3.9

Certificate In Hvac/R Level 1, Electricity Advanced, Heating, Air Conditioning, Ventilation And Refrigeration Maintenance Technology/Technician (Hac, Hacr, Hvac, Hvacr), A

GPA 4.0