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Energetic professional with over ten years experience in Revenue Management and Business Analysis; expert in financial planning and analysis; strong analytical and forecasting skills; excellent problem solving, reporting, interpersonal and communication skills as well as management experience.
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Ruby Ragsdale
Ruby@hotmail.com
918-906-9876
BUSINESS ANALYSIS ● SENIOR
REVENUE MANAGEMENT ● CREDIT ANALYSIS
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Energetic professional with over ten years experience in Revenue Management and Business Analysis; expert in financial planning and analysis; strong analytical and forecasting skills; excellent problem solving, reporting, interpersonal and communication skills as well as management experience.
Highlighted
Skills and Achievements:
·
Outstanding
leadership and business management skills with strong communications and
interpersonal skills.
·
Strong analytical
skills as well as experience in financial planning.
·
Comprehensive
background surrounding budgeting and forecasting activities.
·
Extensive experience
in managing multiple, simultaneous, large, complex initiatives.
·
Generated
over 185 million dollars in revenue in 2009 for Enterprise Holdings.
·
Generated 11.5 million dollars in profit in 2009 for Enterprise
Holdings.
·
Managed 4 of the top 20 locations in the country.
PROFESSIONAL
EXPERIENCE
Spirit Bank - Credit Analyst, Assistant Vice
President 08/10–present
Responsibilities:
·
Statistical analysis of
companies seeking commercial loans between $1 million and $30 million with
SpiritBank. Request and analyze up to 5 years of financial statements for each
credit action requested. Breakdown the
company’s financial statements to ensure they meet the credit policy standards
of SpiritBank. Grade each company and submit a recommendation to the Executive
Loan Committee for loan approval or denial. Grade is based on company’s
financial statements and loan profitability for SpiritBank. Credit Analysis
must provide statistical data with narrative describing company’s trends,
liquidity, cash flow, leverage, management, and willingness and ability to
repay debt.
·
Provide statistical analysis
with narrative to accurately describe trends and profitably associated of peers
within the same company. Use these benchmarks to predict company’s
profitability and long term ability to repay debt compared against peers. Peers
must be limited to companies in the same region of the country and within a
specific revenue range.
·
Credit Analysis Report includes
loan request, purpose of the loan proceeds, and financial breakdown of the
company, company background, company’s current relationship with SpiritBank,
guarantor background and financial performance, credit policy exceptions, and
final grade and recommendation of loan request.
Enterprise Holdings/Vanguard Car Rental -
Senior Financial Analyst/Revenue Manager 07/04-08/10
Responsibilities:
·
Perform economic and
statistical analysis for the Southeast region of the United States on a weekly
basis. Gather information as it pertains to market conditions, pricing, and
competition. Analyze future months and determine what segments of the business
are strong and what segments need improvement. Analyze past months in order to
project future months efficiently and determine a strategy to maximize future
revenue and minimize future costs.
·
Create monthly and weekly
demand forecasts for the Southeast Region of the United States. Combine these
forecasts with historical trends, business analyses, and adjustments for
special events to create recommendation for optimum fleet level to ensure
maximum utilization of assets. Perform cost analysis to determine whether the
movement of fleet or personnel is ultimately the most profitable solution. Optimal
goal is for each location to generate maximum revenue and to run as efficiently
as possible while ensuring customer service stays at a premium.
·
Combine past business analysis
with future demand forecast, revenue projections, and various cost analysis to
help each market determine the right course of action of how to maximize
operations and profit.
·
Create several different weekly
and monthly reports and present to upper management as well as personnel in the
field.
·
Organize and direct weekly
training courses pertaining to Revenue Management concepts and strategies as
well as courses designed to improve proficiency and day to day use of TALUS 4.0
Revenue Management System.
·
Adjust pricing models depending
on asset constraints. Utilize the TALUS 4.0 Revenue Management System to set
market rates and to adjust pricing parameters to achieve maximum revenue.
Monitor competitor pricing as well as overall business tactics at each
location.
Dollar Thrifty Automotive Group - Business
Analyst 07/01
– 07/04
Responsibilities
·
Perform economic and
statistical analysis for the Mid-Atlantic region of the United States on a
weekly basis. Monitor market conditions and competitor pricing and respond with
rate adjustments and fleet movements as necessary to maximize revenue. Analyze
future months and determine where revenue and demand are strong and where there
is room for improvement. Analyze past months in order to project future months
efficiently and determine a strategy to maximize future revenue and minimize
future costs.
·
Combine past business analysis
with future demand forecast, revenue projections, and various cost analysis to
help each market determine the right course of action of how to maximize
operations and profit.
·
Management experience with a
team of up to 12 employees. Recorded yearly reviews, monitored performance to
ensure goals were being met, calculated payroll, and set weekly schedules.
·
Adjust pricing models depending
on asset constraints. Utilize the TALUS 2.0 Revenue Management System to set
market rates and to adjust pricing parameters to achieve maximum revenue.
Monitor competitor pricing as well as overall business tactics at each
location.
TECHNICAL
SKILLS
Business
Management: P&L management & budgeting, cash flow analysis, profit
analysis, business tax return analysis, personal tax return analysis, loan structuring,
demand forecasting, pricing models
Business
Software Efficiencies: Microsoft Excel, Access, Word, Outlook, Power
Point.
EDUCATION
Northeastern State University, Bachelor's of Business Administration, Major:
Finance
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