Gonzalo Ramirez

Senior Commercial Loan Underwriter @Golden 1 Credit Union

San Luis Obispo County, CA, US
EMAILS
g••••••••@golden1.com
MOBILE NUMBERS
+18•••••••82

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WORK HISTORY

Feb 2025 — Present

Senior Commercial Loan Underwriter @Golden 1 Credit Union

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Experienced credit risk professional specializing in commercial loan underwriting, including C&I and CRE lending. With over 25 years in credit risk management, I excel in assessing creditworthiness, analyzing financials, and mitigating risks to support sound lending decisions. Key Expertise- Underwriting and structuring commercial loan requests- Evaluating credit risk and financial performance metrics- Collaborating with Loan Officers & Risk Teams- Ensuring compliance with state & federal regulations- Managing workflows and refining credit policiesI bring a strategic, analytical approach to commercial lending, ensuring a balance between risk management and business growth. Passionate about driving portfolio performance and fostering strong financial relationships.Let’s connect!#CreditRisk #CommercialLending #Underwriting #RiskManagement #Golden1CU

SKILLS

Retail BankingBudgetsFinanceCustomer ServiceAccountingCommercial LendingCommercial BankingCredit RiskFinancial RiskBankingCreditRisk ManagementStrategic PlanningSmall Business LendingTeam BuildingManagementUnderwritingSalesCash ManagementCredit AnalysisProcess ImprovementSale-LeasebackLoan OriginationPortfolio ManagementLoansOperating LeaseFinancial AnalysisLease FinancingMortgage LendingConsumer Lending

ABOUT GONZALO RAMIREZ

Senior Credit Manager Seasoned Senior Credit Risk Expert with over 25 years of…

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