Yocelin Ramirez

**** * ***** *** *******, AZ ****2 Phone: 602-***-**** ad4xw7@r.postjobfree.com

Summary of Professional Skills

Superior ability to communicate effectively in small and large groups

Self-driven, goal oriented, and flexible

Excellent time management and multitasking skills as well as customer service

Operate with trust and integrity with strong leadership skills

Over 2 years of credit experience, and over 5 years of financial banking experience

Proficient with Microsoft Office Products

Professional oral and written communication skills in Spanish

Bank of America

Credit Analyst III /UNIVERSAL LENDER DEC 2016- CURRENT

Made credit decisions to appropriately grow business or mitigate risk for the bank for all of credit from acquisition to existing credit, secured cards, and preferred client credit

Became a credit advisor for my team to reduce procedural and regulatory errors

Managed credit risk on new and existing credit by making underwriting decision by reviewing all of customer credit profile to determine risk closure or risk reduce credit.

Review and developed financial analysis and credit ratios to determine the degree of risk in extending credit.

Also working high volume call levels and servicing customers with excellent service while processing their request.

Credit Analyst II – 2014-2016

Made credit decisions to appropriately grow business or mitigate risk for the bank

Became a credit advisor for my team to reduce procedural and regulatory errors

Managed credit risk on new and existing credit by making underwriting decision.

Review and developed financial analysis and credit ratios to determine the degree of risk in extending credit.

Also working high volume call levels and servicing customers with excellent service while processing their request.

Wells Fargo

Lead bank teller- 2012-2014

Provided guidance and workflow directions to teller in the area of transactions, referrals and services.

Provided approvals in accordance with bank’s policies and procedures when needed to complete certain transactions

Completing control task on a timely manner. Performed daily and monthly audits on all cash vaults and ATMs.

Took ownership of Teller Journals and coached tellers on indentifying solutions.

Partner with bankers to enhance, coach and motivate tellers and build a proactive relationship between the two.

Bank teller – 2011-2012

Cash handling: Accurately process customer’s cash, checks, transfers and stamen transaction, with a balanced drawer. Safely ID and search customer account information.

Customer service: Greet and guide customers in a friendly and professional manner. Communicate existing and new account services. Up-sell and redirect special services to appropriate account staff.

Electronic Fund transfers: process recurring and daily transaction efficiently

Education

High School Completion