David Ragosta Email & Phone Number

Charlotte, North Carolina, United States

David Ragosta | Branch Manager | NMLS #819762david.ragosta@alcova.com | Alcova.com/david.ragostaDirect: (203) 482-2210 | 101 S. Kings Drive, Ste 250 | Charlotte, NC 28204Corp NMLS #40508 | Equal Housing Lender | AZ #LO-1024009 | AZ #BK-0904081 | Licensed by the Department of Financial Protection and Innovation Under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee | GA #819762 | GA #20505 | www.nmlsconsumeraccess.org |Mortgage Broker and Lender MC3113 |

Charlotte, North Carolina, United States

David Ragosta | Branch Manager, Producing | NMLS #819762david.ragosta@academymortgage.com | academymortgage.com/davidragostaDirect: (203) 482-2210 | 101 S. Kings Drive, Ste 250 | Charlotte, NC 28204Corp NMLS #3113 | Equal Housing Lender | AZ #LO-1024009 | AZ #BK-0904081 | Licensed by the Department of Financial Protection and Innovation Under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee | GA #819762 | GA #20505 | www.nmlsconsumeraccess.org |Mortgage Broker and Lender MC3113 |

Charlotte, North Carolina, United States

• Effectively supervises and guides a team of licensed Loan Officers within area branches, implementing targeted coaching and performance improvement initiatives, fostering a collaborative and goal-oriented work culture that consistently surpasses sales targets quarter-over-quarter.• Meticulously monitors loan pipeline, maintaining a hands-on approach to promptly address any potential bottlenecks. By liaising closely with underwriting and processing teams, ensuring seamless communication, leading to a remarkable reduction in loan processing time and greatly enhancing customer satisfaction.• Demonstrates an acute eye for talent, taking charge of the end-to-end recruitment process for new Loan Officers. Rigorous selection criteria ensure that high-caliber professionals are hired, resulting in a low turnover rate and a cohesive, results-driven team.• Commits to staying ahead of industry trends, proactively revamping sales training program to emphasize compliance, industry best practices, and cutting-edge sales techniques, resulting in a significant increase in team's conversion rate, driving revenue growth.• Cultivates and nurtures partnerships with local builders, real estate offices, and financial institutions. Through collaborative efforts and a strong networking presence, secures exclusive deals, adding over millions of dollars in closed loan volume within the first year of implementing these partnerships.• Holding licenses in an impressive 23 states, capitalizes on extensive knowledge of diverse regulatory environments to streamline inter-state operations and deliver consistent, compliant service to clients across various regions.

Charlotte, North Carolina, United States

• Supervises and mentors a Mortgage Sales Team of 21 licensed Loan Originators, providing clear direction and support to foster a collaborative, results-driven environment. Implements performance improvement strategies resulting in a notable increase in individual and collective sales targets.• Develops comprehensive business plans for each branch, employing data-driven insights and market analysis to identify growth opportunities. Executes strategic initiatives, including targeted marketing campaigns and relationship-building efforts, resulting in a substantial rise in loan origination volume and a significant expansion of market presence.• Drives sales activities for Mutual of Omaha Mortgage, building strategic partnerships in the community, including Chamber of Commerce, community alliances, business networks, local officials, CPAs, real estate offices, new home builders, and attending open houses, to expand market presence and generate new business.• Spearheads operational improvements to optimize efficiency and performance across the region. Analyzes key performance metrics, including loan pipeline and closing ratios, and implements process refinements, leading to increased productivity, reduced turnaround times, and enhanced customer service.• Conducts regular internal audits and quality assurance checks, maintaining the company's reputation for adhering to the highest standards of ethical conduct and legal compliance.• Leverages data analytics and market intelligence to identify emerging trends and opportunities within the mortgage industry. Utilizes these insights to make informed business decisions, adapt strategies, and proactively address market challenges, ultimately contributing to the company's competitive edge.• Holds licenses in 33 States, demonstrating comprehensive knowledge of state-specific mortgage regulations and adherence to legal requirements.

Charlotte, North Carolina, United States

• Orchestrated the successful management of a dynamic team of banking professionals, fostering a collaborative and results-driven work environment. Provided ongoing guidance, mentorship, and coaching to team members, resulting in improved productivity and enhanced employee morale, earning "Manager of the Year" in 2014 for exemplary leadership and performance.• Cultivated and nurtured strong relationships with a diverse portfolio of existing clients, taking a personalized approach to understand their financial needs. Delivered tailored banking solutions to meet individual requirements, leading to increased customer loyalty and high levels of satisfaction, resulting in a perfect Quality Score Card.• Spearheaded business growth initiatives, proactively attracting and acquiring new customers through strategic networking efforts, participation in community events, and targeted marketing campaigns. Efforts resulted with the prestigious 2018 Year-End Performance Excellence Flag award for outstanding contributions.• Provided astute oversight of daily branch operations, including meticulous cash management, efficient transaction processing, and the implementation of stringent security protocols. This approach significantly reduced operational risks and ensured a seamless customer experience, receiving the coveted "MVP Award" in 2016 for exceptional contributions to team success and overall performance.• Earned an impressive Employee Satisfaction Rating of 4.98 out of 5.0, reflecting strong team morale and job satisfaction, while maintaining an exceptional Customer Satisfaction Rating of 4.93 out of 5.0, consistently exceeding customer expectations.• Served as the Interim District Manager for Long Island, NY East Market (2014), achieving the #1 ranking for overall leverage performance report in the Northeast and excelling in all metrics within the New York Metro Region, achieving a perfect quality scoreboard despite challenges in previous branches.

• Recruit, hire, train, and manage Relationship Managers and worksite bankers.• Conduct on-going presentations and pipeline reviews with CAW RMs to review annual strategic/sales plans, client profile sheets, market penetration strategies, sales activities, and portfolio management reports.• Use reviews and performance indicators to identify opportunities to coach, develop and guide CAW RMs.• Accompany RMs and worksite bankers on sales calls to observe sales delivery, product knowledge and closing skills.• Track and monitor sales activities to take a proactive versus reactive response to problems and opportunities.• Work cross-functionally with business partners to ensure the pooling of resources in support of broader objectives.• Identify opportunities to implement and market new programs with a focus on targeted marketing.

• Supported regional, area and financial center managers through the training and development of personal bankers.• Provided training and coaching on selling strategies, product education, investment/insurance products, etc.• Accompanied personal bankers on sales calls using observations to improve selling and closing skills.• Provided coaching and consulting services to cross-functional business partners covering strategic planning, identification of niche markets and market penetration strategies.• Facilitated cross-functional meetings and discussions to review strategies, market and industry trends, success stories, and lessons learned.• Served as liaison among business partners to build consensus and support for positive change and shared goals.• Focused efforts on solutions selling and the establishment of customer-focused partnerships.• Encouraged the use of goal setting and performance metrics to increase team ownership and accountability for results.

• Supported region, area and financial center managers in managing through the Bank at Work training of personal bankers.• Generated new ideas for increasing sales while ensuring consistent sales performance among all employees in the region.• Trained, monitored, analyzed, and coached the Bank at Work Program to existing and new personal bankers and relationship managers.

• Supported the National Bank at Work Team with any activity and initiatives for the region.• Established cross-functional working partnerships among all parties to promote business growth.• Developed guidance on sales skills to improve the results of sales presentations, campaigns and activities.• Participated in other sales related activities and initiatives.• Developed and advised personal bankers with on-site presentations and communication in order to have a successful and professional on-site.

• Directed sales, marketing and business development functions for 13 financial centers covering the West side of Manhattan.• Developed and implemented banking procedures for corporate clients targeting Fortune 1000 companies.• Worked in collaboration with financial center managers to create "value-added" products and services.• Acquired the programs' two largest clients and established relationships with Fortune 500 companies, generating tens of millions in investment dollars.• Expanded client portfolio to 400 companies.

• Worked in collaboration with 11 financial centers to spearhead revenue growth programs.• Marketed a total package of banking products and services to regional corporations as an added benefit for their employees.• Provided multiple banking services including financial planning and seminars to augment traditional banking products.• Utilized relationship management skills to build strategic partnerships with client companies.• Expanded program from five to eleven financial centers.• Achieved 121% of established goal and acquired the second largest corporate client.

• Developed strategies to generate new business targeting a broad consumer base.• Established relationships with referral sources to maximize leads.•Followed-up on loan transactions from origination to close.• Functioned as principal client liaison throughout the loan process.