Ruth LaVoice
Stafford Springs,Ct.
Summary
Highly energetic, self-motivated, and personable business professional with over six years of robust management and banking experience, complemented by extensive retail experience. Passionate about driving business profitability, fostering team building, and supporting career development. Thrive in fast-paced, deadline-driven environments, with excellent team-building and development skills. Possess a talent for quickly mastering new technologies. Diplomatic and tactful in interactions with professionals and non-professionals at all levels. Experienced in handling sensitive and confidential materials with a demonstrated history of processing information accurately and managing challenging tasks effectively. Flexible and versatile, maintaining a sense of humor under pressure. Poised and competent, with a proven ability to transcend cultural differences with ease.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Branch Manager
Hartford Federal Credit Union
04.2023 - Current
- Managed daily branch operations for optimal efficiency and performance, resulting in improved customer experiences and increased sales.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support. Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies. Conducted regular audits of branch operations to maintain compliance with internal policies and external regulations.
- Examined customer loan applications for loan approvals and denials. Analyzed credit and prepare file before submitting for final decision.
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community. Developed and executed strategies to grow the bank''s loan portfolio, expanding business opportunities.
- Identified partnership opportunities and established favorable business connections.
Business Specialist
Westfield Bank
02.2022 - 04.2023
- Maintained strict compliance with regulatory requirements, adhering to all policies and procedures related to lending practices.
- Strengthened business customers relationships with existing clients through proactive account management and personalized service, while establishing rapport with new clients to increase satisfaction and loyalty.
- Presented products and services to business customers using in-depth knowledge to answer questions.
- Cross-sold wide range of services and products (Cash management services: Merchant, Positive Pay and Payroll services, and other servies based on business need.) to increase new business and expand existing business customer relationships.
- Reviewed loan applications through thorough analysis of borrowers financial statements, credit reports, and collateral evaluations.
- Implemented innovative marketing strategies and participated in marketing initiatives that successfully attracted new business relationships through promotions and community events.
- Delivered captivating presentations at businesses and community events to promote the organization.
- Promoted a positive work environment by actively participating in team meetings, trainings, and events to foster collaboration among colleagues.
- Collaborated with branch team members to maximize sales opportunities and achieve target goals.
Beauty Brand Ambassador
TULA Skin
11.2019 - Current
- Achieved targeted marketing goals by collaborating closely with team members to develop effective strategies for each campaign.
- Developed lasting connections with industry professionals through networking at conferences, workshops, and other relevant gatherings. Strengthened relationships with retail partners by providing exceptional support, education, and communication on products and promotions.
- Generated leads for future business opportunities by collecting customer contact information during promotional events.
- Identified key high-traffic, consumer-centric locations and built rapport with prospective customers and vendors. Boosted sales through effective collaboration with store staff to promote products in high-traffic areas.
- Educated trade and distributor partners regarding brand benefits, products and services. Enhanced brand recognition by executing promotional events and engaging customers with product demonstrations.
- Developed recap reports to communicate competition trends, product introductions and new promotions.
Insurance Financial Professional
New York Life & NYLIFE Securities
01.2021 - 01.2022
- Build a book of business for continuity through relationship building, community involvement and networking with individuals and businesses.
- Developed comprehensive knowledge of various insurance products, enabling effective recommendations for clients'' unique situations.
- Participated in ongoing professional development activities, staying current with industry trends and regulatory changes affecting insurance products and services.
- Determined client needs and financial situations by listening and scheduling fact-finding appointments.
- Generated leads through cold-calling, networking and other outreach methods.
- Established channels for ongoing referrals within the community, leveraging both Centers of influence (COI's) and networking connections.
- Designed presentations and marketing materials to promote insurance products and identified market trends to develop better strategies for sales.
- Conducted thorough policy reviews to identify gaps and recommend comprehensive coverage enhancements. Presented insurance proposals and options to clients, effectively communicating complex concepts.
- Educated clients on the importance of adequate insurance coverage, fostering trust and loyalty among the existing client base.
Entrepreneur
Owl Pipes
01.2014 - 12.2021
- Built strong brand recognition and customer loyalty by delivering high-quality products and services consistently over time.
- Scaled the business from a local venture to an international player by establishing new markets in various regions.
- Developed strategic partnerships with key industry players to enhance brand visibility and credibility.
- Implemented effective CRM systems to track customer interactions, leading to enhanced client relations and increased sales opportunities.
- Launched new product lines successfully through comprehensive planning, strategy and research.
- Enhanced online presence with well-designed websites, engaging social media content, and targeted digital advertising campaigns.
- Streamlined operations by identifying inefficiencies and implementing cost-saving measures that improved overall profitability.
- Determined business plan, mission statement, and vision.
Clarins USA Regional Brand Ambassador
01.2016 - 01.2017
- By building rapport and relationships with staff at all levels and consumers alike throughout the stores within my territory, revenue grew by more than 50% while increasing market penetration through brand exposure
- Skillfully managed stores sales potential and creatively developed events to expose product value, resulting in customer relationships strengthening while building new ones
- Thus, yielding above goal results.
Sephora Color Lead
01.2015 - 01.2016
- Lead a team with enthusiasm and high energy to achieve daily sales goals with an exceptional customer driven attitude
- Ensured that the team and other colleagues where aware of the business updates daily
- Supervised and motivated the team on and out of the sales floor
- Always used a constructive and positive attitude when coaching
- Managed the customer service survey and ensured that clients and cast members where satisfied with the results of their visits and services provided
- Continuously updated company's innovative tools and point of sales systems
- Build a close relationship with the operations team to stay on track with merchandise updates, changes, and sales floor plans.
Bank of America Senior Personal Banker
01.2008 - 01.2014
- By maintaining a personable attitude and effectively communicating with associates from all lines of business within the organization I gained a pipeline of new leads to expand services and products offered, generating continuous sales to meet or exceed goals
- Actively nourish customer relationships by updating customer’s CRM and continuous follows ups causing extraordinary ratings in customer satisfaction and return business
- Sustained the most up to date knowledge about best practices, regulations and baking laws through continuous education
- Frequently presented ideas that promoted innovative sales and services practices within guidelines and regulations, leading to healthier work atmosphere in hectic and slow times
- Completed branch reports and led the team with best practices to ensure continuous success.
Swarovski Sales Consultant/Key holder
01.2010 - 01.2012
- Business growth and customer relationship building, Price and display all incoming merchandise, loss prevention compliance, complete monthly inventory and opening/closing procedures.
Education
Bachelor of Arts - Business Administration And Management
Bay Path University
Longmeadow, MA12.2024
Skills
- Developing customer relationships
- Branch Operations Management
- Sales Management and Development
- Loan Processing
- Risk Mitigation
- Federal Regulations
- Follow-up Skills
- Decision-Making
- Verbal/Written Communication
Certification
- NMLS # 879428
Community Service
- Tolland Chamber Ambassador - 2024
- Chicopee Chamber Shinning Star Committee - Served as part of the committee 2022-2023. Currently Volunteer as needed.
- Served as Board President at a Non- Profit Organization for a year (2022-2023), volunteered previously, during which I collaborated with community leaders and local government officials to implement various services aimed at enhancing the well-being and development of the local community.
Languages
Spanish
Native or Bilingual
Timeline
Branch Manager
Hartford Federal Credit Union
04.2023 - Current
Business Specialist
Westfield Bank
02.2022 - 04.2023
Insurance Financial Professional
New York Life & NYLIFE Securities
01.2021 - 01.2022
Beauty Brand Ambassador
TULA Skin
11.2019 - Current
Clarins USA Regional Brand Ambassador
01.2016 - 01.2017
Sephora Color Lead
01.2015 - 01.2016
Entrepreneur
Owl Pipes
01.2014 - 12.2021
Swarovski Sales Consultant/Key holder
01.2010 - 01.2012
Bank of America Senior Personal Banker
01.2008 - 01.2014
Bachelor of Arts - Business Administration And Management
Bay Path University
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