Teresa Ramirez
About Teresa Ramirez
Teresa Ramirez is a Commercial Underwriter with extensive experience in the banking sector, currently employed at Patelco Credit Union since 2014. She has held various roles in different banks, focusing on SBA lending and client relationship management.
Work at Patelco Credit Union
Teresa Ramirez has been employed at Patelco Credit Union as a Commercial Underwriter since 2014. In her role, she manages SBA 7A loan requests from application to settlement. She ensures that all processes adhere to the lending criteria established by the Small Business Administration (SBA). Her responsibilities include preparing credit proposals and write-ups for both existing and new customers, which are submitted for review by the department manager. Teresa collaborates closely with SBA Business Development Officers to maintain compliance with SBA Standard Operating Procedures (SOP) requirements.
Previous Experience in Banking
Before her current position, Teresa Ramirez held various roles in the banking sector. She worked at Alta Alliance Bank as a Credit Analyst for two months in 2010. Prior to that, she served as an SBA Assistant/Processor at Valley Community Bank from 2006 to 2007. Teresa also spent eight years at Summit Bank, where she held multiple positions, including Documentation Specialist and Credit Analyst. Additionally, she worked briefly as a Loan Auditor/Quality Control Specialist at OneCalifornia Bank in 2009.
Education and Training
Teresa Ramirez studied at the College of Alameda. While specific details about her degree or field of study are not provided, her education has contributed to her extensive knowledge and skills in commercial underwriting and banking operations.
SBA Lending Expertise
In her role as a Commercial Underwriter, Teresa Ramirez is responsible for managing client relationships within the SBA Lending division. She plays a key role in ensuring compliance with SBA lending criteria and works closely with Business Development Officers. Her expertise in SBA lending processes is critical to the successful management of loan requests and adherence to regulatory requirements.