Ramon Hernandez Iii
About Ramon Hernandez Iii
Ramon Hernandez III serves as a Vice President and Commercial Loan Officer at First Northern Bank, where he has worked since 2022. He has extensive experience in credit analysis and financing, having held various positions in the banking and finance sectors since 2015.
Current Role at First Northern Bank
Ramon Hernandez III serves as the Vice President and Commercial Loan Officer at First Northern Bank. He has held this position since 2022, focusing on financing structures tailored to the unique needs of clients in the Commercial Real Estate and Agriculture sectors. His role involves assessing creditworthiness and developing loan solutions that meet the operational financing needs of businesses.
Previous Experience in Banking and Finance
Prior to his current role, Ramon worked at First Northern Bank as an Assistant Vice President and Credit Analyst III from 2020 to 2022. He also held positions at Five Star Bank, where he progressed from Credit Analyst I to Credit Analyst II between 2018 and 2020. His experience includes a Business Analyst Intern role at Schools Financial Credit Union in 2017, providing him with a comprehensive understanding of banking operations.
Educational Background in Economics and Finance
Ramon Hernandez III studied at California State University-Sacramento, where he earned a Bachelor of Science in Business Administration with a focus on Finance and a Minor in Economics from 2013 to 2018. This educational foundation has equipped him with essential skills in financial analysis and economic principles, contributing to his professional expertise in commercial lending.
Internship Experience in Financial Analysis
Ramon has gained valuable experience through various internships in the finance sector. In 2016, he worked as a Private Equity/Venture Capital Analyst Intern at Daniel, Russell & Charles Co., LLC, and as an Investments Branch Summer Intern at CalSTRS. Additionally, he served as an Investment Analyst Intern at the California Department of Insurance. These roles provided him with practical insights into investment strategies and portfolio management.
Skills in Credit Analysis and Portfolio Management
Ramon possesses strong credit analysis skills that enhance his portfolio management capabilities. His expertise allows him to assist businesses with their general operating financing needs effectively. His background in financial analysis and commercial lending positions him as a knowledgeable resource in the banking industry.