Ramiro Alma Gonzales

San Antonio, TX

Real Estate

Rising Tide Casitas
Founder and Executive Director
City of San Antonio May 2017 - Oct 2017
Interim Assistant Director
Urban Lazarus Real Estate May 2017 - Oct 2017
Managing Partner
City of San Antonio Apr 2016 - May 2017
Redevelopment Officer
City of San Antonio Oct 2012 - Apr 2016
Special Projects Manager

Community Development
Redevelopment
Real Estate
Program Management
Entrepreneurship
Policy Analysis
Real Estate Economics
Public Speaking
Project Management
Public Administration
Investments
Government
Urban Redevelopment
Land Use
Leadership
Public Policy
Project Coordination
Deal Sourcing
Real Estate Investor
Published Author
Return on Investment
Budgets
Policy
Strategic Planning
Economic Development
Creative Real Estate Investing
Real Estate Investment Consulting
Real Estate Lending
Asset Based Lending
Community Outreach
Nonprofits
Concept Development
High Yield
Government Relations
Community Engagement

Natural Science
Paintball
Mixed Use Developments
Entrepreneurship
Real Estate
Finance
Ministry
Urban Revitalization

San Antonio, TX

15505 Dakota Rd, Apple Valley, CA 92307

Law Enforcement

English

Irving, TX

Financial Services

Santander Consumer Usa Inc. Apr 2013 - Jul 2013
Director Consumer Compliance
Mr. Cooper Apr 2013 - Jul 2013
Vice President Servicing Risk and Compliance
Saxon Mortgage Feb 2009 - Apr 2013
Assistant Vice President - Compliance - Legislative Implementation and Internal and External Reviews
Bank of America Dec 2007 - Dec 2008
Customer Care Manager
Bank of America Dec 2004 - Dec 2007
Production Manager

University of Phoenix 2012 - 2014
Master of Business Administration, Masters University of Phoenix 2008 - 2012
Bachelors, Bachelor of Business Administration, Business University of Phoenix 2008 - 2008
Master of Business Administration, Masters Mesquite High School 1993 - 1997

Mortgage Lending
Loans
Credit
Loan Servicing
Financial Services
Mortgage Banking
Mortgage Servicing
Risk Management
Process Improvement
Portfolio Management
Banking
Management
Leadership
Loan Origination
Underwriting
Customer Service
Credit Analysis
Loss Mitigation
Team Building
Residential Mortgages
Aml
Executive Management
Crm
Call Centers
Credit Risk
Consumer Lending
Strategic Planning
Auditing
Internal Audit
Strategy
Sales Management
Regulatory Requirements
Operations Management
Project Management
Mortgage Underwriting
Home Equity Loans
Loan Modifications
Debt Collection
Regulatory Analysis
Test Planning
Va Loans
Mortgage Compliance
Customer Relations
Compliance
Compliance Testing
Manual Testing
System Testing
State Compliance
Loan Compliance
Profit and Loss Management