Samuel Ramirez Email & Phone Number

Irvine, Ca, Us

Irvine, Ca, Us

★ Responsible for evaluating and executing on commercial credit requests uncovered by the retail banking division. Providing expert level advice and education to clients as well as Branch Managers on opportunities to utilize the Bank's deposit and loan products/services. ★ Train and mentor Branch Management in an effort to develop skill sets that will enable them to become proficient with independently handling commercial credit requests.★ Maintain a pipeline of current lending opportunities detailing loan amounts, various credit stages, and anticipated closing dates that meet the banks established credit criteria.★ Make independent threshold determinations regarding the creditworthiness of prospective clients. This includes assessing independently the risks of proposed and existing loans based on multiple considerations, including the nature of the clients business, their financial history, sufficient collateral, future earnings potential, the total Bank obligation involved, expected cash flow and other factors as determined to be pertinent. ★ Effectively negotiates credit pricing, terms and conditions with the managers or officers of small to middle market companies. Negotiate the terms of credit agreements, including financial covenants and reporting, sufficiently to protect the Bank from excessive credit risk.★ Works in tandem with the Director of Retail Sales to help foster an environment of learning and development in regards to the banks commercial lending products within the retail division.

Clayton, Mo, Us

★ Expanded the business banking portfolio by securing business with companies valued between $5M to $100M, using a combination of referrals and relationship management.★ Defined best practices for client onboarding in partnership with the staff and credit administrator.★ Grew business for commercial and industrial loans and deposit accounts. Served as a trusted advisor to help clients secure Paycheck Protection Program loans and deferments during the COVID-19 pandemic.☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲ABOUT ENTERPRISE BANK & TRUSTEnterprise Bank & Trust provides checking accounts, loans, mobile banking, and other financial products and services to businesses, nonprofit organizations, and individuals.

Irvine, Ca, Us

★ Secured agreements for loans and deposit accounts with middle market companies throughout Southern California to establish a strong business banking portfolio, working with manufacturers, distributors, and wholesalers.★ Structured credit agreements in collaboration with the Regional Credit Director.★ Supported an increase in portfolio value from $1.3B to $12.2B, personally managing $345M in loans and deposits across more than 200 accounts. Delivered $11MM in production in 2016, $27MM in 2017, and $25MM in 2018 for C&I business.★ Navigated corporate clients in the seamless transition of their banking activities from competitors.☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲ABOUT PACIFIC PREMIER BANKPacific Premier Bank offers a range of financial services to individuals, businesses, and professionals.

Chicago, Illinois, Us

★ Contributed to the launch of a new branch, building business relationships through prospecting, referrals, networking, and lead generation. Reached $9M in assets within one year.★ Used in-branch sales strategies, outside calls, telemarketing, and direct mail campaigns to meet all branch targets for loans and deposits.★ Helped to build loan application packages through knowledge of bank credit policy, eligibility criteria, and applicable business practices.

Chicago, Illinois, Us

★ Improved Customer Service operations, working with the Branch Manager on hiring and strategic planning to improve the efficiency and productivity of branch operations.★ Supervised nine branch operations staff while contributing to the sale of bank products and services. Led employee training and compliance reviews.★ Navigated the branch to rank first in the region for referrals from operations.☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲☲ABOUT BANK OF THE WESTBank of the West offers financial services that include checking and savings accounts, credit cards, auto, home, and personal loans.