Yanira Ralat				
20414 Berrywood Lane Tampa FL 33647      .      [Send email to request phone number] 87.4916     .     [Send
email using form at bottom]

 
EMPLOYMENT HISTORY 

Bank of America - Tampa FL

Home Service Specialist II	03/06 – Present

* Accountable for making prudent underwriting decisions that are acceptable
credit risks, adhering to policy and procedural guidelines and complying with
applicable laws and regulations. 
* Ensure the integrity of the credit decision, working in partnership with the
customer and related third parties to clear conditions and ready the transaction
for loan closing within timeframe standards.  
* Review incoming documentation within 24 hours of receipt.

* Met or exceeded goals, monthly; and received several recognition certificates
for top performance.

CitiBank/Citicards - Tampa, FL                      

Customer Service	11/03-10/05 

* Managed a high volume of calls per day and provided account information and
resolution to their problems.

* Offered customers card products and services to improve their account
management.

Empresas Santana - International Airport, San Juan, PR    

Concession Manager 1/2001 - 3/2002

* Managed several food concessions within the airport.

* Ensured that all employees adhere to OSHA health and safety regulations. 

* Provided training and coaching as necessary.

* Completed work schedules for all employees.

* Met a ten year background check and security clearance required by airport
authorities.  

EDUCATION
Saint Leo University - credits towards a major in Accounting
University of Puerto Rico - BA in Social Sciences

Skills
Bilingual (native and college level written Spanish) 
General Office Software: Word-Excel-Access-Power Point-Outlook-Imaging-Internet
Explorer.

References
Available upon request