Omar Ramirez

About Omar Ramirez

I am a lending executive with experience building and scaling consumer and indirect…

Experience

1. Lending Manager

   Edwards Federal Credit Union

   Feb 2025 — Present · Palmdale, CA, US

   As Lending Manager at Edwards Federal Credit Union, I lead all consumer lending functions — including underwriting, loan processing, documentation, servicing, DMV/title services, outbound outreach, with direct responsibility for 5 staff and oversight of 10+ supporting team members.I coach, mentor, and develop my team to perform at their best while ensuring compliance, strong sales performance, and the delivery of the Edwards Experience. I take pride in fostering a culture where staff proactively identify member solutions, build relationships, and exceed expectations.I’ve implemented tools like the MeridianLink Advanced Decision Engine to enhance automation, improve decision consistency, and speed up funding. I also oversee our DMV e-titling program, vendor management (Experian, MeridianLink, ARC OS/CUDL, SavvyMoney, SWBC, Velera/PSCU, Carfax,), and workflow automation initiatives to streamline efficiency.Collaboration is key to my role — I work closely with Branch Operations, Marketing, and Collections leadership to align strategies, optimize lending promotions, and balance risk with growth. I also partner with auditors to ensure regulatory compliance.I’m particularly proud of leading programs like Lenders Protection (responsibly expanding below-prime auto lending) and the Energy Loan Network (renewable energy and solar lending). Both initiatives reflect my focus on innovation, member access, and sustainable growth.At my core, I’m driven by coaching my team, optimizing lending processes, and ensuring every member interaction delivers value while protecting the credit union’s financial strength.

Education

• Moorpark College

  Associate's degree

  2004 — 2006