Al Ragin
Austell,GA
Summary
Experienced business leader with demonstrated strategic planning, problem-solving, sales and team-building abilities. Successful at coaching, training and motivating staff to achieve company goals. Diplomatic and capable of communicating with individuals from different backgrounds.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Owner
ARMS Atlanta Apparel
Atlanta, Georgia
05.2015 - Current
- Oversee the screenprint and embroidery production process, product development and quality control operations
- Analyze sales data and financial reports to track profitability
- Establish and manage the budget, expenses and financial management reporting
- Forecast sales and manage incoming cash flow
- Develop sales and marketing strategies to promote the companies custom services and expand target market exposure
- Manage online and offline sales channels
- Collaborate & establish relationships with retailers and distributors to utilize our services, buy, and sell our portfolio products
- Manage operations and logistics with close attention to inventory levels and ensuring timely deliveries
- Negotiate terms with suppliers and manufacturers to secure favorable pricing
- Oversee production facility to ensure maximum efficiency
- Recruit, hire, and train staff members on the specifics of commercial apparel branding
- Manage employee and team performance as it measures to production volume and quality control goals
- Build brand awareness through social media and other marketing initiatives
Senior Banker
Amerisave Home Loans
Atlanta, Georgia
01.2012 - 04.2015
- Actively solicit new mortgage loan applications through networking with realtors, builders, and other referral sources
- Develop and manage client relationships while gaining a firm understanding of client needs
- Analyze credit history from the 3 credit reporting agencies
- Review various forms of income and asset documentation to determine loan eligibility
- Tailor specific mortgage solutions to satisfy client needs
- Provide a detailed benefits consultation with client outlining the terms of proposed loan
Sales Manager
Reall Estate Mortgage Network
Kennesaw, GA
02.2008 - 12.2011
- Oversee a team of mortgage loan officers, driving sales performance by setting goals, coaching staff, implementing sales strategies, and ensuring compliance to lending regulations
- Maintain a strong focus on customer service and generating new business
- Manage the day-to-day operations of a mortgage loan sales team, recruit and train staff to achieve maximum production levels
- Provide sales leadership that entails setting goals and monitoring progress, develop and execute sales strategies, coach and analyze sales data to improve loan officer sales potential and identify missed opportunities
- Team management duties that include conducting performance reviews and constructive feedback
- Manage team dynamics and address performance issues
- Foster a positive and productive work environment
- Perform compliance audits and risk management measures to ensure adherence to all lending regulations and compliance guidelines
- Address any potential compliance concerns
- Monitor loan files for accuracy and quality control
- Build, maintain and manage customer relationships with key partners like realtors, builders, and financial advisors
- Perform market analysis and develop strategies to capture new market opportunities
- Analyze competitor activity and adjust sales tactics accordingly
- Stay updated on market trends, interest rates, loan programs and new market opportunities
Sales Manager
ACE Home Mortgage
Atlanta, GA
05.2005 - 01.2008
- Ensure loan transactions adhere to all compliance regulations
- Create and implement sales strategy development tools to assist in achieving loan production goals
- Regularly monitor, analyze and report loan performance metrics to improve team sales performance
- Provide sales leadership that entails setting goals and monitoring progress, develop and execute sales strategies, coach and analyze sales data to improve loan officer sales potential and identify missed opportunities
Financial Center Manager
Washington Mutual Bank
Kennesaw, Georgia
02.2002 - 05.2005
- Manage day to day operations of a traditional banking institution through formalized management routines and coaching
- Create an environment for a world class client experience
- Drive operational excellence by engaging employees on business strategy
- Achieve financial targets by focusing on various administrative tasks, such as scheduling, budgeting, and compliance banking regulations
Education
Bachelor of Science - Business Management
Morgan State University
Baltimore, MD06-2002
Skills
Strong leadership skills
Excellent communication abilities
Strategic thinker
Strong attention to detail and data analysis expertise
Ability to motivate and coach a team
In-depth product knowledge, and adept relationship building establiah and achieve sales targets
Capable of managing large sales pipelines, and foster a high-performing sales team
Certification
NMLS #174214
Accomplishments
In each of my former positions I have been recognized individually for sales and as a leader of a team for performance.
Affiliations
Family time, travel, sporting activities and events
Organizations
Life member of the Morgan State University Alumni Assciation, Life member of the Morgan State University Alumni Georgia Chapter, Member of the Georgia Community Coalition, Member of Shaw Temple Church, Former coach and referee for Upward Youth Sports
Timeline
Owner
ARMS Atlanta Apparel
05.2015 - Current
Senior Banker
Amerisave Home Loans
01.2012 - 04.2015
Sales Manager
Reall Estate Mortgage Network
02.2008 - 12.2011
Sales Manager
ACE Home Mortgage
05.2005 - 01.2008
Financial Center Manager
Washington Mutual Bank
02.2002 - 05.2005
Bachelor of Science - Business Management
Morgan State University