Project Manager Customer Service

Ramon Balmori

**** ***** **** ***** 925-***-**** –H / 925-***-**** –C

Martinez, CA 94553

************@*****.***

Business Administration

Bilingual –English/Spanish, organized, multi-tasker, solid negotiator, and a team player. Four years of

claims adjusting experience, and one year as an independent Insurance agent.9 years in banking: Loan

Officer, Dispute Resolution, Fraud Investigation, and credit card security.Also (in banking): Financial

analyst, Project Manager, Customer Service and Assistant Manager.

Work Experience

Consumer Loan Officer Self-Help FCU Fairfield and Vacaville, CA

2011-2013

• Completed loans from beginning to end: from taking the application and entering it into the

system, to using the Credit Union’s underwriting guidelines, all the way to the actual funding of

the loans (both in English and in Spanish).

• Reached and surpassed the loans goals set by management continuously.

• Business Development –Made weekly presentations at car dealerships, jewelry shops, etc. These

presentations were given in order to introduce the different businesses to the Credit Union’s loan

programs and to request loan referrals. I was successful in obtaining a number of the dealerships

to start sending loan referrals to the Credit Union on a regular basis.

• Team work – assisted the loans department by answering questions, taking applications and

helping customers from other geographical areas (not assigned to me).

Claims Representative State Farm Insurance Emeryville CA 2006-2010

• Successfully settled (automobile) injury claims. The position entailed: determining if there was

coverage for the accident in question; obtaining the facts/data about the accident in order to

determine liability; providing information regarding the claims process to the parties involved,

negotiating settlements for property damages and bodily injury claims.

• Team player – assisted team mates by handling phone calls, mail and urgent messages

pertaining to claims handled by other claim representatives, while those representatives were out.

Independent Insurance Agent AFLAC Contra Costa & Alameda Counties 2005-2006

• Sold catastrophic insurance policies to individuals.

Loan Officer United Home Mortgage Walnut Creek, CA 2004

• Sold Home loan refinancing to home owners in the Bay Area.

Banker Providian Financial Pleasanton, CA 1998-2003

• Project Manager - Performed trust audits, generated reports pertaining to the findings, and held

meetings to discuss said reports.

• Financial Officer – Generated headcount and overhead allocation reports.

• Resolution Services Specialist – Resolved transaction disputes, fraud claims, and security

issues.

• Senior Personal Banker – Consolidated credit card balances into Providian accounts.

• Assistant Manager – Lead team meetings for: motivating, reviewing and updating information,

going over goals and results, and discussing strategies. Assisted in training the new hires.

• Senior Loan Officer – Sold home equity lines of credit (via phone).

Customer Service Bank of America Pleasant Hill, CA 1997-1998

• Performed online transactions; provided vital account information; retained several customers.

Education

• B.S. in Business Administration from Hayward State University.

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