VICTORIA RUGGIERO
Pinellas Park,FL
Summary
Accomplished and motivated Team Leader with career history in the Mortgage industry. Offering exceptional leadership and staff development skills, exclusively with Renovation loan products across the country. I have proven to build trust and communicate effectively across all organizational levels with homeowners, future homeowners, Loan Officers, Processors, and General Contractors. I also coordinate with boards of directors internally and executives to initiate and execute strategic business plans that achieve key objectives.
Overview
13
13
years of professional experience
Work History
ASSISTANT VICE PRESIDENT OF RENOVATION DEVELOPMENT
CROSS COUNTRY MORTGAGE
01.2023 - Current
- Lead routine meetings to share new policies, gather feedback and improve team cohesion
- Products a thorough, accurate and timely reports of project activities
- Developed strategies to improve productivity and efficiency among team members, general contractor's and HUD Consultants.
- Managed multiple projects simultaneously while maintaining strict adherence to deadlines and budgets.
- Managed client relationships through regular check-ins and updates on project progress.
- Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate loan programs.
ASSISTANT VICE PRESIDENT OF DEVELOPMENT
GUARANTEED RATE
01.2020 - 01.2023
- Ensured compliance with applicable regulations throughout the course of each project
- Created and managed budgets for travel, training and team building activities
- Reviewed employee performance and provided ongoing feedback and coaching performance improvements
- Entered data into spreadsheets using Microsoft Excel or other similar programs
- Scheduled staff and monitored resource allocation to provide optimal coverage and service
- Handled confidential documents in an organized fashion according to established protocol
- Scheduled appointments, meetings, and events for management staff
- Answered questions from customers regarding products and services offered by the company
FINANCIAL RELATIONSHIP CONSULTANT
REGIONS BANK
01.2018 - 01.2020
- Interviewed clients to determine income, expenses, financial objectives, and risk tolerance in order to develop successful financial plans
- Reviewed documents such as wills, trusts, insurance policies, for accuracy before submitting them for approval
- Negotiated loan terms with lenders on behalf of customers when necessary
- Recommended strategies to clients to help achieve financial goals
- Provided training support to new team members as needed
- Maintained accurate records of customer transactions using a variety of software programs
- Followed up with clients regularly and implemented consultative techniques to stay on top of financial means and objectives
CASHIER
PUBLIX SUPER MARKET
01.2012 - 01.2019
- Helped customers find specific products, answered questions, and offered product advice
- Learned roles of other departments to provide coverage and keep store operational
- Offered customers carry-out services at completion of transaction
- Boosted customer satisfaction levels by going the extra mile to personalize service for each customer
- Delivered high level of customer service to patrons using active listening and engagement skills
- Greeted customers promptly and responded to questions
- Kept check-out areas clean, organized, and well stocked to maintain an attractive store
- Trained new team members in cash register operations, stock procedures, and customer service
LEAD TELLER OPERATIONAL SPECIALIST
CHASE BANK
01.2016 - 01.2018
- Acted as pivotal point of contact between bank branches regarding guidelines and practices
- Increased knowledge of banking products and services by actively participating in available training classes and workshops offered to employees
- Offered every client exceptional service levels by remaining friendly and professional during every transaction
- Conducted regular audits of operational processes to identify areas for improvement
- Met or exceeded sales goals by promoting bank products and services in customer interactions
Education
High School -
Dixie M. Hollins High School
Kenneth City, FL01.2014
Skills
- Encompass
- Renovation loan documents
- Reading bids, Scope of Repair's
- FHA 203K
- FNMA Products
- Contractor Validation
- Hiring and coaching
- Office Administration
- Expense Reporting
- Operational leadership
- Business Development
Timeline
ASSISTANT VICE PRESIDENT OF RENOVATION DEVELOPMENT
CROSS COUNTRY MORTGAGE
01.2023 - Current
ASSISTANT VICE PRESIDENT OF DEVELOPMENT
GUARANTEED RATE
01.2020 - 01.2023
FINANCIAL RELATIONSHIP CONSULTANT
REGIONS BANK
01.2018 - 01.2020
LEAD TELLER OPERATIONAL SPECIALIST
CHASE BANK
01.2016 - 01.2018
CASHIER
PUBLIX SUPER MARKET
01.2012 - 01.2019
High School -
Dixie M. Hollins High School
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