General Manager

Becky Ruggiero

** **** *** **, ********, GA ***** • 423-***-**** • **********@*****.***

General Manager

Business Development • Operational Excellence • Customer Satisfaction

Dynamic, top-performing manager with proven ability to drive, deliver, and optimize results in a broad range of start-up and high-growth environments. Track record of dedication for building team and organizational standards to exceed expectations and achieve objectives. Proven strength in implementing results-oriented bottom-line business strategies, staffing initiatives, and process improvements to increase revenue production. Exceptional interpersonal skills with success in leading quality assurance and building outstanding rapport with customers and staff.

Core Competencies:

Strategic Business Planning & Execution

Customer Acquisition & Retention

P&L Management & Budget Administration

Turnaround & Change Management

Sales Planning/Forecasting

Staff Selection, Training & Development

Team Building & Leadership

Troubleshooting & Problem Solving

Professional Experience

Prosperity Home Mortgage, Chattanooga, TN July 2018 -Present

Branch Manager

Day to Day Operations, Recruiting, Hiring, Coaching, training, HR issues. Compliance monitoring and coaching, Responsible for Market Share Growth. Building and maintaining community relationships. Review of file quality and underwriting approval. Account Management. Origination of Conventional, VA, FHA, USDA loan programs. Developed relationships with realtors and builders. Provided financial counseling to home buyers and home owners, gathering loan documentation and analyzing information for loan program placement.

Select accomplishments:

Exceeds loan quality metrics as established by company.

Consistent Top Producer each month in Region

Wells Fargo Home Mortgage, Chattanooga, TN May 2014-July 2018

Branch Manager

Coaching, Directing and Managing Home Mortgage Consultants in day to day sales and compliance activites. Responsible for Risk Management and Market Share growth. Building and mainintng community relationships. Sourcing and recruiting of quailified Home Mortgage Consultants for the branch. Review of file quality and underwriting approval for 6 Loan officer.

Select accomplishments:

Exceeds loan quality metrics as established by company. Coached HMCs to Sales Manager.

Consistent recruiting activities that has grown the branch market share.

Cornerstone Community Bank, Chattanooga, TN July 2013-May 2014

Loan Officer / Underwriter

Community Bank established in 1996

Reviews and approves loan applications for bank customers, analyze financial statements, tax returns and property appraisals to develop competitive loan portfolio for bank.

Select accomplishments:

Revised loan review policies bank wide and developed originating procedures for loan applications.

Underwrite and approve loan requests for six bank branch locations.

Titlemax, Chattanooga, TN 2010-July 2013

Title Lending Company with over 500 stores in 7 States.

GENERAL MANAGER

Forecasts profitability at store level by developing and implementing growth strategies in market. Developing territory, managing accounts, and providing excellence in follow-up and customer service. Manages staff productivity and daily activities.

Select accomplishments:

Exceeded New Loan Goals and Profitability Goals for 24 straight months since becoming Manager.

Consistent improvement in store procedures and Processes.

Consistently manage office collections and charge off accounts below company operating standards

Freedom Mortgage, Chattanooga, TN 2008 to May 2010

Wholesale mortgage lender with 150 offices nationwide; closed May, 2010.

ACCOUNT EXECUTIVE

Recruited to capture market share through developing territory, penetrating and managing accounts, and providing excellence in follow-up and customer service, in origination of FHA, VA, USDA, and 203K loans. Called on and developed relationships with mortgage brokers and correspondents within a specified territory in order to maximize sales volume. Provided financial counseling to homebuyers and owners, analyzing their financial situations, qualifying them for loan programs, and recommending those that best fit their needs.

Select accomplishments:

Ranked as Region’s Top Producer in 2009.

Developed territory by more than 10% each year.

Chattanooga Times Free Press, Chattanooga, TN 2007 to 2008

Major Tennessee newspaper distributed throughout the metro Chattanooga region of Tennessee and Northwest Georgia.

ADVERTISING SALES REPRESENTATIVE/ACCOUNT EXECUTIVE

Created strong print and on-line advertising campaign sales, in a high-pressure environment, through implementation of effective sales presentations and techniques and maintaining strong customer relations. Developed new business through cold calling, geotargeting client needs and delivering media analysis presentations. Created layout, ads and copywriting, and guided ads through the artwork development, typesetting and billing phases.

Select accomplishments:

Ranked as top producer; consistently grew client base.

Countrywide Home Loans, Chattanooga, TN 2007

An originator of 500,000 to 750,000 home loans per year and provider of additional mortgage banking, home owner’s insurance, appraisals, and closing services, Countrywide employed 65,000 people and maintained a $10 million loan portfolio.

PRODUCTION MANAGER

Developed branch profitability for a full service, retail/wholesale mortgage banker and broker. Oversaw loan officers and marketing budget, compliance with Federal regulations and company policy, preparation and presentation of projections, production, commission, profitability and compliance reports. Promoted and made sales of mortgages directly and/or through sales staff to customers and/or prospects. Identified customer requirements, prepared and analyzed application information, suggested loan products, and pre-qualified customer loan requests. Identified problems and provided solutions that best met company and customer needs. Established and achieved sales and budget goals.

Select accomplishments:

Developed sales initiatives and accounting procedures for loan officers, which assisted in increasing branch loan applications by 17%.

Trained employees successful sales and closing techniques to meet and exceed established sales goals.

New South Federal Savings Bank, Chattanooga, TN 2005 to 2007

Mortgage loan company; closed in 2007.

BRANCH MANAGER

Built and grew sales territory and managed accounts. Underwrote, processed and closed loans, ensuring compliance with Federal regulations. Interpreted policies while analyzing applicant, property and documentation. Ordered all required verifications, documentation and subsequent follow-ups. Managed branch staff, ensuring employees provided highest standards of customer satisfaction and quality service. Managed all product launches and coordinated new product training. Established and monitored branch budget and expenses.

Select accomplishments:

Ensured employees provided highest standards of customer satisfaction and quality service at all times

Managed all product launches for the branch location and coordinated new product training.

First Franklin Corporation, Chattanooga, TN 2003 to 2005

Mortgage loan company; closed in 2005.

ACCOUNT EXECUTIVE

Provided sales training for clients thru development of product presentations to originate Conforming, Alt-A, Construction/Perm, and Sub Prime loans thru the development of Mortgage Broker relationships. Exhibited products at trade shows and sales seminars.

Select accomplishments:

Ensured employees provided highest standards of customer satisfaction and quality service at all times

Gulf Atlantic Funding, Inc., Destin, FL 2001 to 2003

Wholesale mortgage lender.

PRESIDENT, GENERAL MANAGER

Grew profitability for a wholesale mortgage lender. Promoted and sold mortgages directly and through sales staff to customers and prospects. Identified customer requirements, prepared and analyzed applications, suggested loan products, and pre-qualified customer loan requests. Identify problems and provided solutions that best met company and customer needs. Established and achieved sales and budget goals and marketing strategies for the products/services sold.

Professional Development

Acquired Life/Health/Property/Casualty Insurance licenses, TN and GA

Graduate, “Train the Trainer” courses

Associations

Civitan Club- Ooltewah TN

Chattanooga Association of Realtors

Chattanooga Home Builders

Prior President, Florida Association of Mortgage Brokers

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