Ray de Cruz

About Ray de Cruz

Experienced Commercial Loan Officer with a demonstrated history of working in the banking industry. Skilled in Cash Flow, Operations Management, Commercial Lending, Banking, Credit Analysis, and Loan Origination. Strong finance professional with a Bachelor of Science (B.S.) focused in International Business from Rhode Island College.• Well-rounded, Bi-lingual (Spanish) business professional with an advanced track record of establishing successful partnerships and client relationships in the banking and financial services industry. Upward self-starter with a passion for achieving goals through collaborative leadership and proactive management. Highly skilled at interpersonal communications, including developing rapport with clients and colleagues, and building a solid network of business connections throughout the community. Advanced knowledge of related state and federal lending and compliance regulations. Advanced accounting and business financial knowledge with the ability to analyze repayment ability, cash flow and commercial financial statements, and tax return analysis. Detail-oriented with strong analytical, organizational, communication, and interpersonal skills. Sound judgment and decision-making abilities. Solid multi-tasking and project management skills. Ability to handle multiple priorities in a fast-paced environment. Working knowledge of word processing and spreadsheet applications. Able to use various types of office equipment including personal computers.

Experience

1. Welder

   Ragnartech Inc

   Oct 2024 — Present · Fremont, NH, US

   Carbon metal welder and fabricator

Education

• Rhode Island College

  Bachelor of Science (B.S.), International Business

  2002 — 2007

Skills

• Fraud Prevention
• Financial Analysis
• Relationship Management
• Small Business
• Commercial Real Estate
• Retail Banking
• Cash Flow Lending
• Credit
• Loans
• Credit Card Terminals
• Banking
• Multi-Site Team Management
• Risk Management
• Kyc
• Business Development
• Cash Management
• Credit Analysis
• Salesforce.com
• Commercial Banking
• Bank Management
• Commercial Lending
• Business Relationship Management
• Branch Banking
• Finance
• Consumer Lending
• Customer Relationship Management (Crm)
• Customer Satisfaction
• Customer Service
• Cash Flow Analysis
• Lines of Credit
• Commercial Mortgages
• New Account Opening
• Operations Management
• Management
• Small Business Lending