Hank Rams

Hank Rams is a seasoned banking professional with over 35 years experience. He has had a successful career managing all aspects of real estate lending including single family, cooperatives, reverse mortgages, multi-family, commercial, industrial, construction and equipment financing. Other areas of expertise are training, loan operations and servicing, REO sales, compliance, and all aspects of capital markets including asset purchase and sale. Hank was Chief Credit Officer with Quaker City Bank in California where he was responsible for all aspects of the Loan division for fifteen years before moving into the Capital Markets Division. He managed this division until the merger of Quaker City with Banco Popular North America. As one of only two senior officers retained after the merger, Hank continued to manage the Capital Markets Division until leaving to form his own consulting business, Rams Consulting Services.

Hank has a BA in Business Administration (minor Finance) from California State University, Fullerton.

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