Joseph M. Ruiz
Riverside,Ca.
Summary
Dynamic insurance consultant with a proven track record at Church & Casualty Insurance Agency, excelling in networking, relationship building, and client relations. Skilled in risk management and policy analysis, I successfully negotiated competitive rates and enhanced client understanding, driving significant improvements in sales processes and client satisfaction.
Overview
31
31
years of professional experience
1
1
Certification
Work History
Insurance Consultant
Church & Casualty Insurance Agency
Irvine, CA
03.2016 - Current
- Building business relationships and developing trust for future discussions about client needs and solutions.
- Recognizing opportunities for improvement in existing processes related to the sales and distribution of commercial lines products.
- Educated clients on the complexities of their business insurance policies so they can make informed decisions about their coverage options.
- Negotiated with insurers to secure competitive rates for business insurance policies.
- Worked closely with non-profits, schools, and religious organizations, facilitating connections to help with their financial, human resources, legal, and security needs.
Financial Professional Associate
Prudential Advisors
07.2015 - 03.2016
- Company Overview: Financial Planning Services
- Marketing, soliciting, networking for potential clients
- Fact Finding for clientele to develop a financial plan
- Life insurance / Retirement planning / Education savings
- Series 6 and 63 licensed for securities investing
- Financial Planning Services
Insurance Agent
State Farm Insurance
05.2014 - 06.2015
- Marketing, soliciting, networking for potential clients
- Quoting personal lines, commercial insurance, life insurance, and presenting retirement products
- Maintain compliance of DOI regulations
- Team management, hiring, coaching, training team
- Front line underwriting, accepting initial claims on clients’ losses
Mortgage Banker
Discover Home Loans
03.2013 - 12.2013
- Prospecting for new loan opportunities
- Completing loan applications for clients, implementing proper product placement based on particular borrowers’ needs
- Develop and maintain successful referral sources
- Ensure exceptional customer service monitoring a loan file personally from origination to funding
Sales Agent
Automobile Club of Southern California
11.2006 - 03.2013
- Marketing, soliciting, acquiring potential members for quoting
- Selling personal lines of insurance
- Underwriting and processing of insurance applications to ensure accuracy
- Meet goals in both sales and customer service
Account Manager
Pacific Snapple: Pacific Division of Cadbury Schweppes
05.2005 - 11.2006
- Responsibilities include management of Cadbury and allied products for designated accounts.
- Order all products into such accounts/ placement of company equipment in said accounts
- Execution of promotions and product placement within set accounts and new accounts.
Delivery Driver
Coca Cola Enterprises
06.1995 - 05.2005
- Delivered product to presale accounts within an assigned route schedule
- Unloaded product from a tractor trailer using a hand cart and/or pallet jack to delivery product.
- Maintained ongoing inter-department communications as it related to routing and customer relations.
- Coordinated deliveries with the account managers.
- Developed good customer relations.
- Resolved issues regarding incorrect product, incorrect pricing, and/or separated and picked up damage goods.
- Generated invoices, checked inventory, and collected payment on site if necessary; whether it was check, cash, or credit accounts.
Education
Bachelor of Arts Degree - Liberal Studies
California Baptist University
Skills
- Networking and relationship building
- Quotes and sales
- Risk management
- Interpersonal communication
- Lead development
- Prospecting skills
- Licensed insurance agent
- Policy analysis
Certification
· P&C insurance licensed, life and health insurance licensed. License # 0F46306
· Certified Insurance Counselor (CIC) designation
Timeline
Insurance Consultant
Church & Casualty Insurance Agency
03.2016 - Current
Financial Professional Associate
Prudential Advisors
07.2015 - 03.2016
Insurance Agent
State Farm Insurance
05.2014 - 06.2015
Mortgage Banker
Discover Home Loans
03.2013 - 12.2013
Sales Agent
Automobile Club of Southern California
11.2006 - 03.2013
Account Manager
Pacific Snapple: Pacific Division of Cadbury Schweppes
05.2005 - 11.2006
Delivery Driver
Coca Cola Enterprises
06.1995 - 05.2005
Bachelor of Arts Degree - Liberal Studies
California Baptist University