Rudy Ruiz

**** ************ ******, ******, ** **879

Cell 951-***-**** Email: adjgje@r.postjobfree.com

PROFESSIONAL SUMMARY

Self-motivated and highly efficient team leader seeks an opportunity to leverage my financial, analytical and management skills to be a productive member of your team. My years of experience in working with data has trained me to be insightful on what data is most important to get the needed solutions. My proven expertise lies in working through seemingly unsolvable problems and finding profitable, win-win solutions.

RELEVANT EXPERIENCE

I was a CFO and Controller of a Medical Laboratory for 6 years until it was sold. I grow sale to $10 million. Managed 100 employees including 3 V.P.’s and fifteen satellite locations in seven counties. Managed the sales, billing and production teams. Oversaw budgets, forecasts, cash flow, labor costs, material costs, accounts receivable, accounts payable, inventory control, transportation costs and marketing costs.

SKILLS

Operations Management, Underwriting, Business Analysis, Financial Statement Analysis, Budging, Auditing, Forecasting, Variance Analysis, Trend Analysis, Vendor Negotiations, Accounts Receivable, Accounts Payable, Risk Management, Collection Manager, Banking operating systems and Medical operating systems.

Microsoft Office: Word, Power Point, Excel- Pivot Tables and Macros.

EXPERIENCE

7/2015 - Present BUSINESS/FINANCIAL CONSULTANT-Corona, CA

Business/Finance Consultant

Prepared business plans, projections, business financials, budgets, proforma’s and capital recovery strategies.

Prepared quantitative analysis and long and short-term investment projections.

Perform industry research, risk assessment, forecast business condition concerns and offsetting options.

Interfaced with prospective investors, clients, medical groups, doctors, vendors, and commercial real estate leasing agents.

Located prospective business locations and designed site plans and negotiated lease terms.

Did extensive researched on healthcare plans, medical health issues, worker’s comp, self-insurance, current medical technology, medical software systems, and cost savings wellness programs.

Assisted in business start-up.

8/2012 - 7/2015 CHRISTIAN COMMUNITY CREDIT UNION-San Dimas, CA

Senior Commercial Loan Underwriter

A key element of my job was to identify the needs of our clients and recommend an appropriate solution for their financial needs. Responsibilities include providing detailed and documented analysis of the credit worthiness and financial capacity of those seeking loans and/or credit lines involving real estate secured, unsecured, and/or loans secured by other collateral.

Managed a $300MM portfolio.

Largest loan was $10MM and average size was $2.5MM.

Written analysis and formal presentations made to support the recommendation based upon analysis of financial statements, forecasts, tax returns, credit report, payment history, capacity and risk rating.

Provide thorough analysis, review and recommendation of prospective and existing credits including but not limited to, real estate secured, non-real estate secured, unsecured, corporate credit cards, loan workouts, loan modifications, loan renewals and annual reviews.

Prepare credit memos that document quantitative analysis, credit assessments and financial analysis.

Prepared itemize loan conditions and covenants required to warrant the loan as an acceptable risk.

Prepare monthly minutes for all credit decisions for approved, decline and/or cancelled loans.

Review of construction contracts and general contractor packages; assist in construction administration through review and approval of draw requests.

2/2006 – 4/2011 MEMBERS BUSINESS SERVICES- San Bernardino, CA

A.V. P. Commercial Loan Analyst and Collections Manager

During my 5+ years at MBS, I helped to turn a 5-figure loss into a 6-figure profit. This occurred during the biggest economic downturn of the century. During my tenure, I reviewed over 900 business loan applications and supporting data (financials statements, tax returns, etc.) to develop recommendations balancing client loan needs with financial stability and cash flow. We used B2B lending services.

Managed a $280MM portfolio.

Largest loan was $9MM with a majority balance participated out and average size was $1MM.

Loan Type: Commercial Real Estate, SBA and Business loans (Manufacturing, Industrial, Small Business, Restaurant, Hotel, Auto repair, Sr. Care Facilities, Non-Profit and Commercial Trucks).

Review business loan applications and supporting data (financials statements, tax returns, etc.) to develop information concerning loan needs, financial risk, capacity and cash flow.

Spread financial statements/tax returns to evaluate sales and income trends, financial health, repayment capacity and reviewed aged accounts.

Conducted annual financial reviews on existing loans.

Performed budget vs actual analysis.

Prepares monthly, quarterly, and annual performance reports (delinquency report, Loan Modification Log, Risk Credit Codes, and Charge-Off Report) for senior management and 10 credit unions.

Verifies/investigates collateral support, perform asset verification, and evaluates personal and business assets.

Prepares Credit Memos for SBA, Commercial Real Estate and Business loan.

Handle all collection activity including calling of members and sending demand letters.

Works directly with member regarding loan forbearances and loan modifications.

Do site visits and site inspections as needed.

9/2004-2/2006 FIRST FINANCIAL CREDIT UNION-West Covina, CA

Project Manager/Business Loan Officer

Started Member Business Loan (MBL) department.

Managed a $50MM loan participation portfolio.

Largest loan participation balance was $3MM and average balance was $1.5MM.

Reviewed and underwrote all MBL participation loans.

On executive committee that planned and set-up MBL Lending and Business Banking.

Wrote MBL policy and procedure manuals.

Set-up MBL training program for Branch staff.

Assisted in setting up the Business Banking training program for Branch staff.

Project Manger in charge of programming and implementing new computer lending program (APPRO).

Programmed the APPRO matrix configuration and Expert Rules for all 25 products.

Provided staff training on the APPRO system.

In charge of the fraud review project on their Deal Direct Program that lead to FFCU’s lending policy changes.

Set-up policies and procedures for Disaster Recovery Plan.

9/1997-9/2003 CONSOLIDATED BIOMEDICAL, INC. - Rancho Cucamonga, CA

CFO and Controller

Prepared financial reports, budgets, forecasts, risk assessment and its mitigation.

Calculated unit cost, labor cost, material cost and overhead allocations for new contract proposals.

Reviewed and audited billing requisitions and collections reports.

Prepared analysis of budget vs actual, variance analysis and strategic planning reports.

Created analysis procedures for cost accounting, labor productivity and key performance indicators.

Managed Sales Department, Billing Department, HR, IT, and Administration.

Managed 100 employees including 3 V.P.’s and fifteen satellite locations in seven counties.

Grew a start-up operation to $10 million in annual sales.

Assisted in negotiating and monitored capitation contracts.

Trained billing department to collect complete information to bill properly and collect more income.

Created a competitive sales incentive program with a sliding scale based on profitability of accounts.

Monitored production costs such as reagents, supplies, labor and equipment as well as upgraded computer system, equipment, and streamlined workflow to reduce overall expenses by 15%.

Negotiated discounts on supplies of 20% and reagents of 40%.

Initiated Internet based billing of government claims. This reduced collection time by four weeks.

Restructured courier routes that cut courier costs by 15%.

1992-1997 SUMITOMO BANK-Anaheim, CA

Assistant Branch Manager and Sr. Commercial Loan Officer

Managed a $250MM portfolio.

Largest loan was $40MM and average size was $1MM

Loan Type: Commercial Real Estate, Consumer Loans Business loans (Manufacturing, Industrial, Small Business, Sr. Care Facilities, Wholesale Businesses and Hotels).

Duties- Loan Officer, Underwriter, Staff Trainer, Assistant Manager and Collections Manager.

Top loan producer for the region (bank services and loan production for both volume and dollar amounts) 4 of the 5 years.

Originated 70% of my loan portfolio and underwrote all the loans in my portfolio.

Reviewed my client’s accounts payables and receivables.

Collection Manager and handled all loan modification.

Maintained a less than 1% delinquency in my portfolio.

Provided staff sales training.

EDUCATION

CALIFORNIA STATE UNIVERSITY OF FULLERTON- Fullerton, CA

Bachelor of Arts Degree: Finance

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