Summary
Overview
Work History
Education
Skills
Timeline
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Joseph Ruggiero

Hackensack,NJ

Summary

Energetic Sales Representative offering demonstrated success identifying prospects and converting leads into customers. Superior communication skills with ability to understand client needs and close sales. Recognized for creativity and resourcefulness in meeting and exceeding sales, revenue and profit goals. Bringing 19 years of related experience.

Overview

23
23
years of professional experience

Work History

Finance and Insurance Manager

Ramsey Mazda
07.2020 - 05.2024
  • Enhanced revenue growth with the development of new financial products and services.
  • Increased sales productivity by providing ongoing coaching and training for team members.
  • Mentored junior staff members, helping them grow professionally and contribute more effectively to the team's goals.
  • Met and exceeded gross revenue projections monthly through strong negotiating skills
  • Managed relationships with lending partners to insure thorough automotive financing regulations, compliance requirements, and industry best practices to ensure adherence to legal and regulatory standards
  • Worked closely with sales department to streamline the point of sale to delivery process

Loan Officer

Asset Based Lending LLC
Hoboken
06.2018 - 06.2019
  • Assisted senior-level credit officers with complex loan applications.
  • Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Created strategies to develop and expand existing customer sales, which resulted in 40% increase in monthly sales.
  • Reviewed and edited loan agreements to promote efficiency and accuracy.
  • Successfully closed average of 13 loans per month.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Developed and maintained relationships with local real estate agents.
  • Submitted loan applications to underwriter for verification and recommendations.

Business Manager

Jack Daniels Kia
Fair Lawn
12.2016 - 04.2017
  • Managed 13-member team in sales and service operations
  • Chaired weekly meetings with executive leadership to identify opportunities for improvement, establish milestones and tailor products to individual markets
  • Cured $300,000 in negative debt on contracts in transit upon arrival
  • Contracted 85-100 clients monthly whilst maintaining gross revenue exceeding $2000 per transaction
  • Worked with credit challenged customers to understand wants and needs in order to place with sub-prime lenders
  • Worked directly with lenders and vendors to utilize financial programs and products to help meet and exceed monthly, quarterly, and yearly goals
  • Developed team communications and information for sales meetings
  • Uncovered and resolved strategic and tactical issues impacting sales management and business operations
  • Reviewed more than 150 potential contracts per month

Area Marketing Manager

Sierra Auto Finance
Dallas
05.2013 - 11.2016
  • Managed over 120 dealer partner relationships
  • Directed and coordinated marketing activities and policies to promote products and services
  • Identified, developed and evaluated marketing strategies based on knowledge of company objectives and market trends
  • Compiled comprehensive lists describing product and service offerings
  • Applied sales forecasting techniques and strategic planning to verify sales and profitability of products, lines and services
  • Analyzed business developments and monitored market trends
  • Completed quarterly forecasting and monthly financial reviews
  • Completed strategic competitive analysis by assessing strengths and weaknesses of competitors
  • Managed new product and content releases
  • Prepared detailed marketing forecasts on daily, weekly and quarterly basis

General Manager

Preferred Auto Sales
Elizabeth
08.2011 - 05.2013
  • Increased overall company efficiency by streamlining operations and implementing innovative managerial strategies.
  • Developed and executed strategic plans for business growth and expansion, resulting in increased market share.
  • Managed a diverse team of professionals, fostering a positive work environment and high employee satisfaction.
  • Established comprehensive employee training programs to develop skills, improve productivity, and maintain compliance with industry regulations.

General Sales Manager

Union Buick GMC
Union
01.2010 - 07.2011
  • Supervised a sales force of 18 sales associates
  • Created and launched new online marketing strategies
  • Developed quarterly and annual sales department budgets
  • Hired and trained sales staff for dealer group
  • Developed a comprehensive training program for new sales associates
  • Planned and directed staff training and performance evaluations
  • Generated monthly and annual sales reports
  • Trained all incoming sales team members
  • Created and directed sales team training and development programs

Special Finance Director

Douglas Auto Group
Summit
06.2007 - 01.2010
  • Developed quarterly and annual sales department budgets
  • Approved all sales staff budget expenditures
  • Trained all incoming sales team members
  • Supervised a sales force of 6sales associates
  • Developed a comprehensive training program for new sales associates
  • Exceeded regional annual sales target by 300%
  • Attended sales training camp and brought best practices leadership back to the company

Sales Manager

Union Pontiac Buick GMC
Union
01.2005 - 01.2007
  • Created effective strategies to target new markets after researching and analyzing competitor behavior
  • Monitored customer buying trends, market conditions and competitor actions to adjust strategies and achieve sales goals
  • Developed innovative marketing campaigns to increase engagement with target demographic and drive brand exposure
  • Identified, hired and trained highly-qualified staff by teaching best practices, procedures and sales strategies
  • Coached employees in successful selling methods and encouraged cross-selling to drive revenue
  • Developed and implemented comprehensive salesperson training program
  • Conducted research to target, engage and partner with suppliers, negotiating beneficial, cost-saving deals
  • Organized promotional events and interacted with community to increase sales volume
  • Initiated new sales and marketing plans for product roll-outs, including developing sales, distribution and media strategy
  • Increased monthly gross sales, and exceeded goals for sales revenue, and profit margins
  • Held weekly meetings with sales team to identify techniques to overcome sales team
  • Held weekly meetings with sales team to identify techniques to overcome sales obstacles

Sales Professional

Union Pontiac Buick GMC
Union
01.2001 - 01.2005
  • Reached out to customers after completed sales to evaluate satisfaction and determine immediate service requirements
  • Met frequently with technical, product management and service personnel to stay current on company offerings and business policies
  • Communicated with customers to understand needs and recommend appropriate solutions
  • Maintained up-to-date knowledge of competitor products and pricing in market served
  • Collaborated with upper management to implement continuous improvements and exceed team goals
  • Worked with diligence to regularly meet or exceed special targets, including credit card applications, special donations and specific product promotions
  • Greeted customers and helped with product questions, selections, and purchases including in-store and e-service transactions
  • Helped customers complete purchases, locate items and join reward programs to promote loyalty, satisfaction and sales numbers
  • Educated customers on promotions to enhance sales
  • Conducted product demonstrations to highlight features and redirect objections to positive aspects
  • Listened to customer needs and desires to identify and recommend optimal products
  • Provided accurate information about promotions, customer programs and products, helping drive high customer retention

Education

High School Diploma -

David Brearley High School
Kenilworth, NJ
2001

Skills

  • Sales analysis
  • Proficiency with CRM systems
  • Self-motivated
  • Highly competitive
  • Networking skills
  • Territory management
  • Customer service
  • Interpersonal skills
  • Partnering with cross-functional disciplines
  • Identifying best practices
  • Excellent communicator
  • Extremely driven
  • Sales professional
  • Sales training
  • High level of ethics
  • Career driven
  • Accomplished manager
  • Client Relations
  • Closing Techniques
  • Sales Reporting
  • Sales Presentations

Timeline

Finance and Insurance Manager

Ramsey Mazda
07.2020 - 05.2024

Loan Officer

Asset Based Lending LLC
06.2018 - 06.2019

Business Manager

Jack Daniels Kia
12.2016 - 04.2017

Area Marketing Manager

Sierra Auto Finance
05.2013 - 11.2016

General Manager

Preferred Auto Sales
08.2011 - 05.2013

General Sales Manager

Union Buick GMC
01.2010 - 07.2011

Special Finance Director

Douglas Auto Group
06.2007 - 01.2010

Sales Manager

Union Pontiac Buick GMC
01.2005 - 01.2007

Sales Professional

Union Pontiac Buick GMC
01.2001 - 01.2005

High School Diploma -

David Brearley High School

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Joseph Ruggiero