RACKEL LUGG
Ocho Rios
Summary
Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.
Overview
14
14
years of professional experience
Work History
External Sales Associate
Scotiabank
04.2024 - 02.2025
- Assessed customer's credit report, income, debt, and other financial information to determine if they qualify for mortgage, auto loans, unsecured loans and credit card
- Ensured underwriting is done meticulously for the submission of qualified applications
- Ensured that the customer understands policies and restrictions, and ensured they understand the terms of their loan
- Developed long-term relationships with clients, and ensuring their satisfaction
- Adhered to lending policies and guidelines while operating within the law
- Ensured that all applications are AML and KYC compliant before submission
- Identifed new business opportunities and market to expand by attending car and trader shows
- Stayed abreast of all open houses to capitalize on mortgage opportunities
- Used online platforms and networking events to find new business
- Collaborated with different companies to organize employee wellness events such as new and existing car dealership, and government agencies
Project Supervisor
LenNel Construction Company Limited
10.2023 - 12.2024
- Coordinated subcontractors and liaise with engineers to ensure the effective flow of work
- Supervised the operation of each site supervisor to ensured that all planned weekly activities were done in a timely manner
- Supervised the finishes of all buildings to ensured that the finishes are done according to specifications and approval
- Supervised the site activities and ensured that all safety procedures were adhered to
- Attended site management meetings and coordinates weekly activities for all supervisors
- Ensured that all conflicts are dealt with timely and smoothly
- Assisted with the recruitment of new employees
Business Development Representative
Sagicor Bank Jamaica Limited
10.2022 - 10.2023
- Initiated Business Development through presentations to groups/ companies and proactive sales calls to clients/ prospects to attain individual and Team sales targets
- Ensured that all customer documents submitted are clear of fraud and KYC policies are adhered to
- Proposed the appropriate solutions based on client's financial needs and affordability
- Highest loan application approval within 5 months of employment
- Exercised due diligence when completing applications for mortgage, loans, credit cards and POS/MPOS systems and recommending applications, adhering to all bank's policies and procedures
- Submitted relevant documentation for the opening of all accounts by the Bank's guidelines, this includes Business and Personal accounts
- Represented the bank at sales events as required and participate in special promotions, and marketing
- Built both internal and external networks with a focus on the SME market to capitalize on business opportunities and referrals
- Collected and analyze the client's financial information to assess eligibility for credit facilities
Commercial Account Executive
Appliance Traders Limited
01.2020 - 10.2021
- Responded to all requests for proposals (RFQ) and tenders promptly
- Prepared tender documents and ensured timely submission
- Successfully managed all charged accounts that were assigned
- Exceeded sales target by 80%
- Cultivated client relationships to ensure portfolio quality that resulted in growth and productivity
- Executed projects from concept through completion and collaborated with brands and designs
- Provided monthly reports and updated pipeline
- Ensured that collections were done monthly, and all withholding tax certificates were collected
- Prepared presentations for meetings to introduce products and services
- Built and maintained client relationships to meet and exceed sales quota
Insurance Advisor
Guardian Life Group
01.2019 - 09.2019
- Provided sound financial, insurance, and wealth management services to individual and commercial clients
- Conducted daily prospecting via emails, face-to-face, cold calls, and referrals
- Provided advice to clients on retirement planning and investments
Customer Service Representative/Group Sales Executive
Guardsman Group Limited
07.2016 - 01.2019
- Successfully developed strategies and campaigns that increased customer base by 90%
- Ensured that all business opportunities were captured and managed in Westmoreland, Hanover, St. James, and Trelawny
- Developed and managed a pipeline that resulted in a 90% increased
- Ensured that the technical team visited and completed the assigned task
- Successfully implemented ways to solve the existing customer's issues that resulted in a successful referrals program
- Conducted site visits to recommend and design security systems
- Attended trade shows and expos for marketing and promotional purposes
- Ensured accurate and completed information is captured in the Customer Relationship Management System (CRM)
- Negotiated all proposals with new and existing clients
- Prepared lodgments for the collection of monies on all invoices in the region
Secretary
Jamaica Defense Force
02.2012 - 01.2014
- Assisted in supervising 52 employees
- Prepared documents for the First and Second Battalion Regiment for uniform repairs
- Prepared documents for the First and Second Battalion Regiment for defective weapon repairs
- Ensured that all meetings were conducted according to the policies and procedures
- Ensured the 52 civilian employees' attendance records were kept and prepared monthly to be submitted to HR for salaries
- Attended all disciplinary meetings and assisted in finding solutions to resolve conflicts
- Prepared meeting agendas and collected minutes of all departmental meetings
Sales Supervisor
Princess Accessories
08.2011 - 01.2014
- Met and exceeded weekly quota by 140%
- Ensured that collection of monies owed to the company were done daily
- Maintained a professional relationship with clients
- Responsible for the day-to-day operation of sales and customer service
- Prepared quotations for clients
- Resolved customer complaints in an effective and efficient manner
Education
Bachelor of Science - Business Administration (Pending)
University of the Commonwealth Caribbean
Ocho Rios 2022 07.2028
Certificate, Risk Management
New York Institute of Finance
12.2025
Certificate, Introduction To Coporate Finance
Columbia University
12.2025
Certificate - Supervisory Management
University of the West Indies
Ocho Rios01.2014
Associate of Science - Hospitality And Tourism Management (incomplete)
Brown's Town Community College
Brown's Town07.2010
Certificate - Team Jamaica
Brown's Town Community College
Brown's Town01.2010
High School Diploma - CXC Certificate
Marcus Garvey Technical High School
2008
Skills
- Excellent Sales Strategies
- AML and Anti Money Laundering
- POCA Regulations
- Credit Analysis
- Portfolio Management
- Financial Products and Services
- Critical thinking
- Risk Management
- Customer Service
- QuickBooks
- Project management
- Preparing Tenders
- Collections
- Networking
- Management and Leadership
- Strong Interpersonal and Communication
Accomplishments
- Top loan Sales Officer - Sagicor Bank Business Development Department
- Exceeded target by 150% - Guardsman Group
- Highest Sales revenue - Appliance Traders Limited
- Exceeded FYC and Cases submitted target by 70% - Guardian Life
Professional Training and Certificates
- Alison, Diploma in Fraud Management & Anti-Money Laundering Awareness, 2025
- Alison, Diploma in Business Administration, 2025
- Beverly Corke Personal and Professional Development Center, Certificate Enhancing Professional Image, 2017
- Guardian Life Group, Training in Anti-Money Laundering, 2019
- Financial Services Commission, License Ordinary Long-Term and Equity, 2019
Timeline
External Sales Associate
Scotiabank
04.2024 - 02.2025
Project Supervisor
LenNel Construction Company Limited
10.2023 - 12.2024
Business Development Representative
Sagicor Bank Jamaica Limited
10.2022 - 10.2023
Commercial Account Executive
Appliance Traders Limited
01.2020 - 10.2021
Insurance Advisor
Guardian Life Group
01.2019 - 09.2019
Customer Service Representative/Group Sales Executive
Guardsman Group Limited
07.2016 - 01.2019
Secretary
Jamaica Defense Force
02.2012 - 01.2014
Sales Supervisor
Princess Accessories
08.2011 - 01.2014
Certificate - Supervisory Management
University of the West Indies
Certificate - Team Jamaica
Brown's Town Community College
Bachelor of Science - Business Administration (Pending)
University of the Commonwealth Caribbean
Certificate, Risk Management
New York Institute of Finance
Certificate, Introduction To Coporate Finance
Columbia University
Associate of Science - Hospitality And Tourism Management (incomplete)
Brown's Town Community College
High School Diploma - CXC Certificate
Marcus Garvey Technical High School