Ruth Defrates
AeroLeads people directory · profile

Ruth Defrates Email & Phone Number

Retired Loan Officer at TMC Financing at TMC Financing
Location: Elk Grove, California, United States 5 work roles 2 schools
1 work email found @tmcfinancing.com LinkedIn matched
✓ Verified May 2026 4 data sources Profile completeness 100%

Contact Signals · 1 work email

Work email r****@tmcfinancing.com
LinkedIn Profile matched
3 free lookups remaining · No credit card
Current company
TMC Financing
Role
Retired Loan Officer at TMC Financing
Location
Elk Grove, California, United States
Company size
76 employees

Who is Ruth Defrates? Overview

A concise factual answer block for searchers comparing this professional profile.

Quick answer

Ruth Defrates is listed as Retired Loan Officer at TMC Financing at TMC Financing, a company with 76 employees, based in Elk Grove, California, United States. AeroLeads shows a work email signal at tmcfinancing.com and a matched LinkedIn profile for Ruth Defrates.

Ruth Defrates previously worked as Loan Officer at Tmc Financing and Loan Officer at U.S. Small Business Administration. Ruth Defrates holds Master Of Business Administration (Mba), Finance, Gpa 3.7 Of 4.0 from John Cook School Of Business At Saint Louis University.

Company email context

Email format at TMC Financing

This section adds company-level context without repeating Ruth Defrates's masked contact details.

{first}@tmcfinancing.com
89% confidence

AeroLeads found 1 current-domain work email signal for Ruth Defrates. Compare company email patterns before reaching out.

View email format View company profile Management contacts
Profile bio

About Ruth Defrates

Resourceful management professional experienced in the public accounting and financial sectors. My experience is marked by strong performance in the areas of financial analysis, audit, client management, research, report writing, independent judgment, and problem solving. Extensive experience in commercial loan portfolio management (loans up to $3MM), creatively managing a team responsible for financial statement analysis, client service and portfolio risk reduction. Regularly managed departmental projects on-time and within prescribed guidelines. Known for establishing relationships with functional leaders to improve operational results for the company. I am seeking a position to utilize my audit, financial analysis, project management and client service skills.

Listed skills include Financial Analysis, Accounting, Appraisals, Client Services, and 14 others.

Current workplace

Ruth Defrates's current company

Company context helps verify the profile and gives searchers a useful next step.

TMC Financing
Tmc Financing
Retired Loan Officer at TMC Financing
oakland, california, united states
Website
tmcfinancing.com
Employees
76
AeroLeads page
Company profile
View company profile Email format
5 roles · 45 years

Ruth Defrates work experience

A career timeline built from the work history available for this profile.

Loan Officer

Current
Tmc Financing

Roseville, CA

  • Responsible for credit and eligibility analysis of applications for SBA 504 loans (real estate and equipment). Recommend approval, decline or withdrawal.
  • Manage client contact to collect information to complete credit memorandum, establish expectations and manage applicant to meet deadlines.
  • Spread and analyze financials to test repayment capacity of individuals.
  • Review personal credit reports to establish debt schedule and repayment capacity.
  • Complete eligibility tests according to SBA loan program requirements.
  • Author concise credit memorandum including justifications for Eligibility, Credit, Collateral and Repayment ability.
Jan 2017 - Present

Loan Officer

U.S. Small Business Administration

Sacramento, California Area

  • Responsible for credit and eligibility analysis of applications for low interest loans to repair homes damaged by natural disasters. Recommend approval, decline or withdrawal.
  • Managed all client contact during loan processing. Interviewed applicant to collect information to complete credit memorandum, establish expectations and manage applicant to meet deadlines.
  • Spread and analyze financials to test repayment capacity of individuals.
  • Reviewed personal credit reports to establish debt schedule and repayment capacity.
  • Reviewed county assessor websites to confirm applicant ownership of damaged property.
  • Coordinated with other departments to order flood verification and loss verification visit.
Sep 2016 - Jan 2017

1St Vp/Commercial Loan Portfolio Manager

California Bank & Trust

Sacramento, California

Managed staff responsible for managing a Commercial loan portfolio of 4,500+ loans with maturities up to 25 years. Primary areas managed included annual borrower financial statement analysis (to test Loan Covenants), Certification of loan Risk Grading (to establish loan loss reserves), customer-initiated loan servicing requests, review of commercial loan.

Jun 2001 - May 2016

Sba Manager

Zions First National Bank

Portfolio management, new loan eligibility and documentation processing related to SBA 7a lending for multi-state loan production offices.

1995 - 2001 ~6 yrs

Senior Auditor

Ernst & Young

St. Louis, Missouri

1981 - 1984 ~3 yrs
Team & coworkers

Colleagues at TMC Financing

Other employees you can reach at tmcfinancing.com. View company contacts for 76 employees →

JL Judy Lee Judy Lee Colleague at Tmc Financing San Francisco, California, United States, United States View → BL Brendon Lynch Brendon Lynch Colleague at Tmc Financing Oakland, California, United States, United States View → VH Vanessa Hay Vanessa Hay Colleague at Tmc Financing Las Vegas, Nevada, United States, United States View → LM Linda Medina Linda Medina Colleague at Tmc Financing Roseville, California, United States, United States View → CT Chloe Torrao Chloe Torrao Colleague at Tmc Financing Oakland, California, United States, United States View → MR Melissa Record Melissa Record Colleague at Tmc Financing Roseville, California, United States, United States View → DA Dean Aloe Dean Aloe Colleague at Tmc Financing Pasadena, California, United States, United States View → NS Nita Stiles Nita Stiles Colleague at Tmc Financing Kansas City, Missouri, United States, United States View → JP Jessica Peychev Jessica Peychev Colleague at Tmc Financing Phoenix, Arizona, United States, United States View → MT Mariska Tjoeng Mariska Tjoeng Colleague at Tmc Financing Berkeley, California, United States, United States View →
2 education records

Ruth Defrates education

Master Of Business Administration (Mba), Finance, Gpa 3.7 Of 4.0

John Cook School Of Business At Saint Louis University
FAQ

Frequently asked questions about Ruth Defrates

Quick answers generated from the profile data available on this page.

What company does Ruth Defrates work for?

Ruth Defrates works for TMC Financing.

What is Ruth Defrates's role at TMC Financing?

Ruth Defrates is listed as Retired Loan Officer at TMC Financing at TMC Financing.

What is Ruth Defrates's email address?

AeroLeads has found 1 work email signal at @tmcfinancing.com for Ruth Defrates at TMC Financing.

Where is Ruth Defrates based?

Ruth Defrates is based in Elk Grove, California, United States while working with TMC Financing.

What companies has Ruth Defrates worked for?

Ruth Defrates has worked for Tmc Financing, U.S. Small Business Administration, California Bank & Trust, Zions First National Bank, and Ernst & Young.

Who are Ruth Defrates's colleagues at TMC Financing?

Ruth Defrates's colleagues at TMC Financing include Judy Lee, Brendon Lynch, Vanessa Hay, Linda Medina, and Chloe Torrao.

How can I contact Ruth Defrates?

You can use AeroLeads to view verified contact signals for Ruth Defrates at TMC Financing, including work email, phone, and LinkedIn data when available.

What schools did Ruth Defrates attend?

Ruth Defrates holds Master Of Business Administration (Mba), Finance, Gpa 3.7 Of 4.0 from John Cook School Of Business At Saint Louis University.

What skills is Ruth Defrates known for?

Ruth Defrates is listed with skills including Financial Analysis, Accounting, Appraisals, Client Services, Problem Solving, Deadline Oriented, Commercial Lending, and Portfolio Management.

Find 750M verified contacts

Search by job title, company, industry, location, and seniority. Export verified B2B contact data when you need it.

People with similar names

Check these profiles if this is not the Ruth Defrates you were looking for.

View similar profiles