Coming from a background of over 15 years of managing bank operations at a major financial institution Mr. Ramirez is a key component to the everyday loan operations at Spinnaker. His previous experience with generating new business, creating sales, and establishing loans, deposit, investment, and retirement accounts gives Mr. Ramirez the capacity of knowledge to fully understand the need of clients and investors alike. The Director of Loan Operations oversees the processing, underwriting, and servicing for all loan and note transactions.