HECTOR RUIZ
Business Owner / Home Improvements
Hendersonville
Summary
Disciplined and results-driven professional with a strong background in military service, financial operations, and small business management. Proven ability to lead under pressure, manage budgets, and deliver practical solutions in dynamic environments. Brings a well-rounded perspective, excellent work ethic, and a commitment to teamwork, reliability, and continuous improvement. Seeking a part-time opportunity to contribute experience, adaptability, and dedication to a mission-focused team.
Overview
10
10
years of professional experience
6
6
years of post-secondary education
1
1
Language
Work History
Owner
H&S Improvements, LLC
04.2024 - Current
- Managed day-to-day business operations.
- Developed and maintained strong relationships with clients, resulting in repeat business and referrals.
- Oversaw daily operations, ensuring all tasks were completed accurately and efficiently by team members.
- Negotiated contracts with suppliers for better pricing and terms, reducing overall costs for the business.
Commercial & Corporate PM Analyst II
US Bankcorp
10.2021 - 04.2024
- Performed comprehensive financial monitoring and analysis of corporate and commercial loan portfolios for companies with annual revenues ranging from $50 million to over $2 billion, collaborating closely with portfolio managers and credit analysts to assess risk profiles and identify opportunities for optimization and growth.
- Produced over 250 comprehensive reports on portfolio performance, interpreting financial data and metrics to provide actionable insights to portfolio managers, demonstrating proficiency in data analysis, a critical skill in financial reporting.
- Ensured portfolios adhered to regulatory and respective business line standards (of up to a dozen business lines to include Utilities, Healthcare, Commercial Real Estate, and Equipment Finance) and conducted thorough due diligence, highlighting a meticulous approach to compliance and a keen understanding of regulatory requirements within the banking sector.
- Adapted monitoring strategies to changing market conditions, demonstrating agility in responding to economic shifts and their impact on portfolios, showcasing flexibility and adaptability , crucial in navigating financial markets.
Healthcare Specialist (68W)
NC National Guard 105th Military Police BN
05.2015 - 05.2023
- Demonstrated ability to make split-second, high-stakes decisions in critical situations as a military medic, ensuring swift and accurate responses to medical emergencies, translating to a capacity to navigate fast-paced financials environments in the finance sector.
- Executed medical procedures with meticulous attention to detail, strictly adhering to established protocols and regulatory guidelines, paralleling the significance of precision and compliance essential in the financial documentation and regulatory requirements.
- Functioned seamlessly within a cohesive team of medical professionals in the military, fostering collaboration and mutual support to achieve misson success; poised to contribute effectively within a finance team to ensure operational efficiency and goal attainment.
- Managed and interpreted complex medical records and data sets, showcasing strong analytical skills essential for accurate diagnosis and treatment decisions; ready to leverage this analytical acumen in financial analysis and data interpretation within the finance sector.
Operations Specialist
Lime Electric Scooter
11.2020 - 11.2021
- Managed and optimized operational process for Lime Scooters, ensuring smooth logistics, maintenance, and deployment of assets, reflecting a capacity for efficient resource utilization, critical aspect in financial management.
- Analyzed operational data of over 600 e-scooters to enhance fleet performance, make informed decisions, and streamline operations, demonstrating proficient in data-driven decision making, a skill valuable for financial analysis and strategic planning in financial roles.
- Ensured compliance with local regulations in Lime Scooters' operations, emphasizing a keen to understanding of regulatory requirements, essential for navigating financial regulations in banking and finance.
Education
B.S.B.A. - Finance
University of North Carolina At Charlotte
Charlotte, NC 08.2014 - 12.2020
Skills
- MS Office
Data Analysis
Technical Analysis
Operations Analysis
Critical Thinking
Organization and Time Management
Knowledge of ERP (Enterprise Resource Planning) Software
SQL
Data Visualization
SalesForce
NCino Platform
Moody's Analytics
GAAP and statutory reporting
Financial and operational reporting
Industry analysis experience
Accomplishments
- Army Commendation Medal
Timeline
Owner
H&S Improvements, LLC
04.2024 - Current
Commercial & Corporate PM Analyst II
US Bankcorp
10.2021 - 04.2024
Operations Specialist
Lime Electric Scooter
11.2020 - 11.2021
Healthcare Specialist (68W)
NC National Guard 105th Military Police BN
05.2015 - 05.2023
B.S.B.A. - Finance
University of North Carolina At Charlotte
08.2014 - 12.2020
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