G. Marco Ruggiero is seeking a position that utilizes his extensive banking experience as a commercial lender, strong photography skills as a trained photographer, and education background. He has over 30 years of experience in banking with progressive roles in commercial lending and portfolio management. He also has a photography education and experience photographing architectural projects in Venezuela.

1. G. MARCO RUGGIERO
2345 Westwood Blvd Suite 1 Cell (626) 429-4454
Los Angeles, CA 90064 mruggiero44@gmail.com
OBJECTIVE
Seeking a position where my comprehensive banking experience; education;
photographic skills; life experience and background can be best utilized.
SUMMARY OF QUALIFICATIONS
♦ A skilled and accomplished photographer. I have attended The Art Center College of
Design in Pasadena, CA and exhibited my final work there and graduated with honors.
♦ Advanced knowledge of film and digital photography and expert Photo Shop CS4 and
digital post processing.
♦ Expert in all MAC and WINDOWS systems.
♦ A skilled and accomplished Financial Services Professional with extensive management
experience in commercial lending.
♦ Excellent team-building strengths demonstrated by the ability to effectively manage and
develop personnel to attain professional growth and advancement.
♦ Distinguished record of exceeding branch goals while achieving high customer ratings
consistently throughout career.
♦ Comprehensive industry knowledge coupled with solid sales and customer relations skills
that have been responsible for direct increases in loan and deposit volumes.
♦ Strong financial and business analysis background which has facilitated the proper
structuring of loan requirements for a broad range of commercial businesses and has been
valuable in providing sound advice on corporate forecasting and planning.
PROFESSIONAL EXPERIENCE
May 2013-9/18/2014 WELLS FARGO BANK; San Marino, California
Personal Banker
May 2009- 6/1/2011 NATIONAL BANK OF CALIFORNIA,
BRENTWOOD HEADQUARTERS
Vice President and Portfolio Manager
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2.  Exclusively responsible for the management of an existing portfolio
totaling $ 20,000,000. Composed mostly of Commercial Business
Loans and Business Real Estate Loans (The latter, primarily Mini
Permanent Industrial, Commercial and Retail Real Estate as well as SBA
Guaranteed Real Estate Loans). Additionally, as result of the economic
downturn, during my tenure, I have also been responsible for the Re-
Structuring/Work-Out of additional portfolio loans, once again both
Commercial Business Loans and Real Estate loans. In this capacity I have
worked very closely with the bank’s attorneys in both re-structures and
foreclosures where applicable. Further, I have continued to underwrite all
of the above, whether be new lending relationships as well as re-structured
loans, therefore, have continued to work very closely with credit
administration and report directly to the Chief Credit Officer of the bank.
Part of my responsibilities have also entailed interfacing with the
Regulators( We have had 2 audits by the OCC during my tenure ) and I
have always been able to address their specific questions in a manner that
was not detrimental to the current Classification of those relationships and
in one instance, the Loan in question was upgraded by them.
Jan. 2008-Nov. 2008 FIRST COMMERCE BANK OF ENCINO
Vice President/Business Banking Regional Manager
 Exclusively responsible for Business Development. During my tenure I
was able to bring to the bank $ 4,200,000.00 in new commercial business
loans and $1,500,000.00 in deposits. The bank decided to close the branch
in December 2008.
June 2007-Jan. 2008 MERCHANTS BANK OF CALIFORNIA
Vice President/Manager Commercial Lending Division
 Primarily responsible for Business Development and Credit Underwriting
of new and existing clients. I managed a portfolio of $10,000,000.00 of
the existing clients (60% of the total bank’s portfolio). The borrowings
being centered primarily in R/E transactions. I was responsible for
directly supervising a junior Credit Underwriter.
2001-June 2007 PACIFIC WESTERN BANK;
Vice President/Manager Commercial Lending Division
 Managed the Tarzana office of the bank from May 2001 to February 2002.
Responsible for the loan portfolio of the branch of $ 25,000,000.00 as well
as responsible for the branch administration with 15 employees.
Currently manage the Pasadena Office. Responsible for the administration,
underwriting and compliance of the portfolio of $ 35,000,000.00 in
commercial/business loans as well as Commercial Mini Permanent
portfolio. Report directly to the Senior Credit Officer of the bank.
2000 – 2001 BANK OF WHITTIER; Whittier, California
Senior Vice President/Manager, Business Banking Department
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3.  Direct Commercial Business and Real Estate Lending, with ultimate
responsibility for administration (including underwriting and monitoring)
of the bank’s total loan portfolio.
- Serving as acting Chief Credit Officer, worked closely with the
President and achieved exceptional OCC audit results.
- Implemented and expanded a formal calling program which
contributed significantly to the bank’s overall profitability and
growth.
1993-2000 CITIZENS BUSINESS BANK; Pasadena, California
Senior Vice President/Manager
 Managed daily branch operations, with emphasis on business
development, and directly supervised 12 employees.
- Generated net growth in deposits from $25 million to $41 million.
- Increased loans from $13 million to $20 million net
- Reduced personnel hours by 110 hours while expanding customer
- base and maintaining high customer service levels.
1986-1993 CALIFORNIA STATE BANK; Covina, California
Vice President Commercial Loan Officer/Manager
 Directly accountable for the commercial loan portfolio, reflecting a total
of $43 million.
 Personally managed 150 accounts totaling $20 million.
 Directly responsible for overseeing all duties of the Assistant Vice
President, Operations
- Built and established a calling program and administrative support
program for all branches.
- Increased the commercial loan portfolio by $10 million.
1.1986 GREAT AMERICAN BANK; Los Angeles, California
Vice President Commercial Loan Officer
 Responsible for administration of the commercial loan portfolio.
 Solicited, negotiated and packaged loans to companies with sales volume
to $20 million.
 Responsible for all branch management duties, including supervision of
one Vice President Operations Officer and a staff of 30 employees.
- Increased the commercial loan portfolio from $3 million to $8.5
million.
1.1984 MANUFACTURERS BANK; Los Angeles, California
Vice President Commercial Loan Officer
 Administered the commercial and installment loan portfolios totaling $25
million
 Provided financial statement analysis and financial counseling for clients.
 Responsible for extensive business development efforts, including bi-weekly
client calls as well as generation and cultivation of prospective
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4. client leads.
 Built, trained and supervised a staff of six employees.
Increased the commercial loan portfolios by $5 million net, and
deposit relationships by $10 million net.
Prior to coming to the United States as a Student I lived in Venezuela, SA and I worked in the
architectural firm of Ruggiero and Bolivar, that position required that I photographed most of
their architectural projects including the Metropolitan University which is the 2nd largest
university in the country.
EDUCATION
CALIFORNIA STATE UNIVERSITY, LOS ANGELES; Los Angeles, California
18 hours short of Masters Degree in International Relations and History.
CALIFORNIA STATE COLLEGE; Hayward, California
Bachelor of Arts Degree: Political Science/With a History Minor.
UNIVERSITY OF CALIFORNIA, BERKELEY; Berkeley, California
Completed 40 units in History, Political Science and Anthropology
COLLEGE OF SAN MATEO; San Mateo, California
Political Science/Special Emphasis in Ancient and Modern History and
Anthropology.
ART CENTER COLLEGE OF DESIGN; Pasadena, CA
Photography: Creative, Illustrative and Architectonic.
PROFESSIONAL SEMINARS
UNITED CALIFORNIA BANK IN-HOUSE TRAINING:
* Extensive studies in Accounting, Asset Risk Management, Commercial Loan, and
Financial Analysis
* Operations Training – one year course
* Installment Lending Workshop – major emphasis in retail lending
* Small Business Lending Workshop
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5. OTHER LANGUAGES
Fluently read, write and speak Spanish and Italian; some background in French.
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6. OTHER LANGUAGES
Fluently read, write and speak Spanish and Italian; some background in French.
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