Raymond Pham, Mba Email & Phone Number

California, United States

● Manages growing book of business worth $280 million across 100 clients by conducting quarterly calls, following up on delinquent payments, and ensuring annual reviews are submitted for each loan with all due diligence items.● Performs credit analysis on business and personal tax returns to measure property and borrower DSCR● Reviews current financials, credit reports, lease agreements, insurance policies, industry trends and loan docs/requests to mitigate potential risks to bank.● Solves discrepancies within file, including property tax delinquencies, property profiles, insurance policies, title reports, and loan servicing items.

Martinez, California, United States

*Performs all duties outlined in CRC I- III roles, plus the following:- Branch Assistant Manager responsible for increased industry compliance and operational tasks- Analyzed credit reports and financial profiles of clients to recommend appropriate product.- Responsible for assisting business clients <500k in revenue with merchant services, business loans, cash flows, and credit lines.- Conducted year-over-year growth analysis on branch performance to lead and motivate team- Conducted calls to prospective business clients, building books of business and gaining new clientele.

Benicia, California, United States

*Performed all duties outlined in CRC I- II roles, plus the following:- Responsible for ATM maintenance, keeping branch operations running efficiently.- Conducted cold calls to prospective business clients, building book of business and gain new clientele.- Main point of contact for digital banking needs, providing branch and customer support.

*Performed all duties outlined in CRC I role, plus the following:- Connected clients with appropriate business partners, improving company’s sales funnel.- Opened consumer and business accounts while educating clients in credit and loan products, increasing branch revenue.

- Fostered relationships with clients, through warm calls, email marketing campaigns, and face-to-face interactions, improving branch reputation and customer loyalty.- Educated clients about banking and loan services increasing product awareness and shortening sales cycle.

San Francisco Bay Area

- Incentivized through partnerships and scholarship opportunities to engage students on campus.-Planned and executed marketing campaigns to raise brand awareness to a target audience of 50,000+ students.-Hosted on-campus and virtual events to grow content acquisition- Placed in the top 6% of entire company nationwide in marketing effectiveness with student engagement

San Francisco Bay Area

The Marketing Association is a student-led organization at San Francisco State University. We are comprised of a passionate group of students sharing a common interest in the marketing industry. We engage in a range of activities and projects to sharpen both our hard and soft skills. We aim to help students as they transition into more mature marketing professionals.-Tasks include managing organization's financial transactions, graduation planning, and preparing budget forecast for each semester.

United States

• Worked directly with CFO on projects including company budget of 50 million, financial statements, tax filings, and month end close process through Excel and Salesforce• Managed payroll through OnlineEmployer for 50 employees• Exported and analyze production data in Power Business Intelligence through data exportation from Tech Canary in Salesforce• Managed and reconcile state compliance taxes and fees with Insurance Licensing Services of America• Conducted cost analyses for all financial statements for cost efficiency across all areas of business• Performed duties outlined in prior role at Costello and Sons Insurance as an Accounting Intern

San Rafael

Costello & Sons, a division of HUB International

San Rafael

• Reviewed and reconciled daily accounts receivable/ accounts payable reports• Executed client check deposits and prepared cash receipts in Applied Epic• Provided premium payable statements to various insurance carriers• Performed end of month bank reconciliation reports via Excel

Novato, California

• Encourage the importance of developing a strong work ethic while maintaining good sportsmanship to young aspiring basketball players (grades K-8).• Teach the fundamentals of basketball to assist skill levels ranging from beginner to advance in this age group. • Help and collaborate with other instructors to plan and schedule different drill routines into weekly practice plans

Master Of Business Administration - Mba, Finance, General

Bachelor Of Business Administration - Bba, Marketing

Activities and Societies: Marketing Association

Education record

Activities and Societies: ASB Senior Rep, 4 years on varsity basketball team