LANCE RUYBAL
Littleton,CO
Summary
Dedicated and dynamic professional with over 15 years of experience in real estate, project management, roofing, sales, collections, and property management. Strong communicator and problem solver with a commitment to client satisfaction and operational excellence. Dynamic Associate Broker with a proven track record in real estate transactions and property management. Skilled in negotiation and client relationship management, consistently achieving repeat business and high customer satisfaction.
Overview
18
18
years of professional experience
Work History
Insurance Sales Producer
Farmers Insurance
Littleton, CO
08.2025 - Current
- Sold auto, home, renters, and umbrella insurance policies.
- Generated business through referrals and outreach.
- Ensured policy accuracy and regulatory compliance.
- Maintained strong customer satisfaction and retention.
Associate Broker
Hearth and Home Realty and Management
Littleton, CO
04.2018 - Current
- Assisted buyers, sellers, and renters with property transactions.
- Prepared listings, CMAs, marketing campaigns, and open houses.
- Negotiated contracts ensuring smooth closing processes.
- Built strong client relationships resulting in repeat business.
Property Manager
Hearth and Home Realty and Management
Littleton, CO
04.2018 - Current
- Managed rental portfolio including leasing and renewals.
- Handled inspections, maintenance scheduling, and vendor coordination.
- Oversaw rent collection and owner financial reporting.
- Improved tenant relations and occupancy rates.
Project Manager
High Country RoofWorks
Littleton, CO
08.2025 - Current
- Oversaw all phases of roofing projects, from planning through budgeting.
- Ensured compliance with OSHA regulations and building codes.
- Coordinated scheduling, procurement, and quality control to meet project specifications.
- Maintained strong client communication throughout project lifecycles.
Recovery Specialist
LenderLive Network LLC
Glendale, CO
01.2013 - 04.2017
- Managed delinquent mortgage portfolios.
- Negotiated repayment plans and loan modification paths.
- Recognized as a top collector for performance and service.
Loan Recovery Specialist
EOS-CCA / U.S. Dept. of Education
Denver, CO
01.2012 - 01.2013
- Contacted borrowers with defaulted student loans.
- Provided rehabilitation and settlement guidance.
- Earned multiple performance awards.
Customer Assistance Associate II
Specialized Loan Servicing
Highlands Ranch, CO
01.2011 - 01.2013
- Conducted compliance-required outbound collection outreach.
- Assisted borrowers with repayment and loss mitigation options.
Account Manager (Back-End Collections)
Santander Consumer USA
Centennial, CO
01.2010 - 01.2011
- Managed auto loan accounts 60-150 days past due.
- Ranked in the top 25% for performance metrics.
Account Manager / Collector II
CitiFinancial Auto
Englewood, CO
01.2008 - 01.2010
- Performed skip tracing and asset recovery.
- Negotiated settlements to reduce financial losses.
Education
Real Estate License -
Colorado Real Estate School
High School Diploma -
Dakota Ridge High School
Littleton, COSkills
- Real Estate Transactions
- Property Management
- Project Management
- Roofing & Construction Oversight
- Customer Relationship Management
- Loan Modifications
- Loss Mitigation
- Sales & Negotiation
- Collections
- Skip Tracing
- MS Office Suite
- CRM Platforms
- Policy writing
- Risk assessment
- Property valuation
- Negotiation skills
- Effective communication
Professional Attributes
- Highly adaptable
- Detail-oriented
- Strong communicator
- Excellent time-management skills
- Analytical thinker
- Team-focused
- Fast learner
- Deadline-driven
Timeline
Insurance Sales Producer
Farmers Insurance
08.2025 - Current
Project Manager
High Country RoofWorks
08.2025 - Current
Associate Broker
Hearth and Home Realty and Management
04.2018 - Current
Property Manager
Hearth and Home Realty and Management
04.2018 - Current
Recovery Specialist
LenderLive Network LLC
01.2013 - 04.2017
Loan Recovery Specialist
EOS-CCA / U.S. Dept. of Education
01.2012 - 01.2013
Customer Assistance Associate II
Specialized Loan Servicing
01.2011 - 01.2013
Account Manager (Back-End Collections)
Santander Consumer USA
01.2010 - 01.2011
Account Manager / Collector II
CitiFinancial Auto
01.2008 - 01.2010
Real Estate License -
Colorado Real Estate School
High School Diploma -
Dakota Ridge High School