Margaret Ruggles Email & Phone Number

Louisville, Kentucky, United States

Louisville, Kentucky, United States

Led a team of 9 Mortgage Underwriters for Rural 1st, which is Farm Credit Mid-America's consumer lending division. My team primarily focused on decisioning home loans for full time farmers across the Rural 1st footprint.

Louisville, Kentucky, United States

Led a team of 12 credit officers who decisioned loans for Farm Credit Mid-America's retail agricultural clients. This role included approving loans outside of the credit officer's lending authority, up to a total system liability of $5 million. My particular focus was on non-agricultural businesses owned by part-time and full-time farmers in Kentucky, Indiana, Ohio and Tennessee.

Louisville, Kentucky, United States

As a Senior Credit Analyst, I underwrote and decisioned loans for Farm Credit Mid-America's full-time and part-time retail agricultural clients.

Louisville, Kentucky, United States

As a Regional Loan Administrator, I decisioned loan requests for commercial and industrial businesses with exposure of between $2 million and $20 million for the bank's Kentucky and Tennessee Regions. In addition, I was a member of each region’s Senior Leadership Team. I have significant experience analyzing and interpreting financial statements. Additionally, I am experienced evaluating budgets, cash forecasts, projections, job-in-progress reports, and accounts receivable, payable… Show more As a Regional Loan Administrator, I decisioned loan requests for commercial and industrial businesses with exposure of between $2 million and $20 million for the bank's Kentucky and Tennessee Regions. In addition, I was a member of each region’s Senior Leadership Team. I have significant experience analyzing and interpreting financial statements. Additionally, I am experienced evaluating budgets, cash forecasts, projections, job-in-progress reports, and accounts receivable, payable, and inventory aging reports. I can interpret complex financial information as well as identify, assess, and mitigate risks. My knowledge of Generally Accepted Accounting Principles is solid.I am an effective communicator and negotiator. I built positive working relationships with relationship managers and portfolio managers at BB&T which helped to limit conflict when decisions were not as requested. Using creativity and sound judgement, I worked to find credit solutions which would be acceptable to both the bank and the client.I have solid organization skills and a strong sense of urgency. I am able to work in a fast-paced environment and meet client deadlines. Show less

Louisville, Kentucky, United States

In this position, I managed a group of high performing portfolio risk officers located in Kentucky, Tennessee, and West Virginia. Our team was responsible for providing effective challenge to the 1st line of defense, reviewing all submitted credit requests, preparing all annual risk assessments, and providing support for numerous special projects.I have experience hiring and developing new talent. As a leader, I held informal regularly scheduled coaching sessions with my direct… Show more In this position, I managed a group of high performing portfolio risk officers located in Kentucky, Tennessee, and West Virginia. Our team was responsible for providing effective challenge to the 1st line of defense, reviewing all submitted credit requests, preparing all annual risk assessments, and providing support for numerous special projects.I have experience hiring and developing new talent. As a leader, I held informal regularly scheduled coaching sessions with my direct reports. I prepared formal semi-annual and annual performance evaluations as well as performance ratings for the annual incentive payout. In addition, I made pay decisions. I looked for opportunities for everyone on the team to expand their knowledge and learn new skills. I addressed performance issues in a timely manner and, when warranted, I promoted team members. Show less

Louisville, Kentucky, United States

As Senior Credit Officer for the Western Kentucky Region, I decisioned commercial loan requests for clients and prospects with total credit exposure between $1 million and $6 million. In addition, I oversaw the management and credit quality of the commercial loan portfolio to include past due management and documentation exceptions as well as the timely renewal of maturing loans. As a member of the region's Senior Leadership Team, I managed a group of portfolio managers located… Show more As Senior Credit Officer for the Western Kentucky Region, I decisioned commercial loan requests for clients and prospects with total credit exposure between $1 million and $6 million. In addition, I oversaw the management and credit quality of the commercial loan portfolio to include past due management and documentation exceptions as well as the timely renewal of maturing loans. As a member of the region's Senior Leadership Team, I managed a group of portfolio managers located throughout the Western Kentucky Region in addition to a Regional Credit Officer. Show less

Louisville, Kentucky, United States

As a Regional Credit Officer, I decisioned small commercial credit requests for clients and prospects with total credit exposure less than $1 million for the bank's Louisville Metro Region.

Louisville, Kentucky, United States

As a Business Services Officer, I managed a commercial loan portfolio and was responsible for sales of loan and deposit products as well as the underwriting of all credit requests for my clients and prospects.

Louisville, Kentucky, United States

My roles at Bank One (fka Liberty National Bank, nka JP Morgan Chase) included Small Business Banker, Commercial Underwriter, and International Sales and Services Officer.

Master Of Business Administration - Mba

Bachelor Of Science - Bs, Accounting And Finance