Maria Teresa Ramirez
About Maria Teresa Ramirez
Maria Teresa Ramirez is a Commercial Underwriter at Patelco Credit Union in Dublin, California, where she has worked since 2014. She has extensive experience in credit analysis and portfolio management, having held various positions in multiple banks over her career.
Work at Patelco Credit Union
Maria Teresa Ramirez has served as a Commercial Underwriter at Patelco Credit Union since 2014. In this role, she is responsible for evaluating commercial loan applications, assessing risks, and ensuring compliance with lending policies. Her tenure at Patelco Credit Union spans 10 years, during which she has contributed to the organization’s lending operations in Dublin, California.
Previous Experience in Banking
Prior to her current position, Maria Teresa Ramirez held various roles in the banking sector. She worked at Valley Community Bank as a Vice President and Senior Credit Analyst, as well as an SBA Portfolio Manager for a period of 9 months in 2014. Earlier in her career, she served as an SBA Assistant and Processor at the same bank from 2006 to 2007. Her experience also includes positions at Torrey Pines Bank and Summit Bank Limited, where she worked as a Credit Analyst.
Education and Training
Maria Teresa Ramirez studied at Peralta Community College District. This educational background has provided her with foundational knowledge and skills applicable to her roles in the banking and finance industry.
Career Progression in Credit Analysis
Throughout her career, Maria Teresa Ramirez has progressed through various positions related to credit analysis. She has worked as a Credit Analyst at Torrey Pines Bank for 2 months in 2010 and at Summit Bank Limited for 1 year from 2010 to 2011. Additionally, she held the position of Assistant Vice President in the SBA Division at California Bank of Commerce from 2007 to 2009.
International Experience in Banking
Maria Teresa Ramirez has international banking experience, having worked at Summit Bank Limited in Karachi, Sindh, Pakistan. She served as a Documentation Specialist from 1995 to 1997 and later as a Credit Analyst from 2010 to 2011. This experience has contributed to her understanding of diverse banking practices.