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Richard (Rick) Lowie

xxx-xxx-xxxx (US) Sanford, Florida
xxx-xxx-xxxx (Jamaica)



Executive / Director / Senior Manager


Executive Profile


  Multi-award winning, performance-focused and resourceful leader with track record of success in delivering dynamic results:

  Launched numerous startups in Caribbean and have grown to 17 locations generating $7.1M annual revenue; 2010-present

  Steered region to achieve profitability within 6 months across all locations; 2010

  Increased margin from 25% to 29%, immediately and consistently surpassing national standard of 15%-22%; 2010-to date

  Led stores to earn Top Stores of the Year award; 2015

  Awarded Regional Manager of the Year; 2012, 2013, 2015

  Recognized with Budget Buster of the Year award; 2012, 2013, 2015

  Successfully grew new business to 100+ key clients; 2007-2011

  Comprehensive experience in broad areas of operations spanning ground-up startups, regional/multi-unit management, human resources, sales, marketing, business development, customer service, administrative, budgeting/cost controls, and financial//P&L through procurement, merchandising, pricing, inventory, plant/production operations, and distribution

  Hands-on leader who excels in recruiting, training, developing, motivating, and directing high-performance teams; strong background in cross-training, key development programs administration, staff coordination, and employee evaluations

  Dynamic communication, consultation, presentation, negotiation, and relationship management skills; effectively interface with all business stakeholders ranging from clients and suppliers to corporate executives and staff

  Talent for rapidly adapting business acumen to new markets and professional roles illustrated by success in diverse industries

  Proficient in all Microsoft platforms along with varied industry software/systems including Tops, Pawn Power and Pawnmaster; able to quickly learn new technologies


Career Track


Multi-Unit Regional Manager, CashWiz Ltd.-Caribbean Region 2010-Present

  Recruited to drive ground-up startup of multiple locations across Northern Caribbean region, expanding existing market in Turks & Caicos, Bahamas and Grand Cayman to 17 stores generating multi-million dollars annually at high-profit margins; has included build out of Jamaica-4 stores and Bardaos-2 stores and spearheading ongoing growth by launching new locations in Antigua, Granada, St. Kitts, St. Vincent, and Dominica

  Have steered full-scope start up of each location, from build-outs, licensing and staffing through development and implementation of policies and procedures

  Successfully manage all operations spanning human resources, training and development, budgeting, and P&L through funding, lending, procurement, retail sales, and customer service

Richard (Rick) Lowie Page 2 of 2


Owner/Operator, Clear H2O Pool & Spa Service 2007-2011

  Capitalizing on sharp business acumen, built and managed a thriving business specializing in pool maintenance, repair and installation throughout central Florida region

  Grew company to over 100 key accounts through strategic sales and marketing, new business acquisition, existing client development, and lead/referral generation


Manager, Cash Value Pawn Inc.-Orlando, FL 2007-2010

  Brokered/negotiated loans secured by assets ranging from homes, automobiles and boats to jewelry, weapons and musical instruments to maximize financial performance while delivering world-class customer servicing

  Effectively directed daily operations from opening through closing; included sales, pricing, merchandising, customer service, audits, and cash drawer/safe balancing

  Strategically boosted market reach and competitive leveraging by actively participating in trade shows to promote and sell merchandise


Sales/Operations Manager, Inland Materials Inc.-Orlando, FL 1999-2006

  Demonstrated dynamic leadership skills in managing residential and commercial sales concurrent with steering plant operations in highly-competitive concrete materials sector

  Actively targeted and captured new business while developing and servicing existing accounts to optimize revenue production

  Efficiently coordinated and directed plant operations, including production/manufacturing, supply chain management, warehousing, shipping/receiving, distribution, and dispatch, to maximize use of time and resources, control costs and meet aggressive operational and financial performance goals


Assistant Manager, Value Pawn & Jewelry-Fern Park/Sanford, FL 1995-1999

Assistant Manager, Cash America Pawn-Orlando, FL 1993-1995

  Collaboratively spearheaded ground-floor startup and managed full-scope operations of Value Pawn & Jewelry after earlier success with Cash America Pawn; included P&L accountability for both locations

  Strategically negotiated item value and priced merchandise to optimize profit margins

  Successfully cultivated and maintained quality relationships with sales and loan customers, playing instrumental role in ensuring satisfaction, building loyalty, generating referral business, and driving revenue growth




A.S., Business Administration and Management, SJCC-St. Augustine, FL


Community Leadership


Board of Directors and Active Member, Rotary Club of Montego Bay, JA 7020

  Involvement has included Acting Board Director, Coastal Cleanup Program, Clean Water Program, Christmas Hamper Program, and Book Drives


Active Member, Montego Bay Chamber of Commerce


Richard (Rick) Lowie

xxx-xxx-xxxx (US) Sanford, Florida
xxx-xxx-xxxx (Jamaica)









Hiring Agent Name


Company Name


City/State/Zip Code




I am currently seeking a challenging new career opportunity in a (INSERT TITLE OF TARGET POSITION) capacity and am submitting my resume for your review. In advance, thank you for your time and consideration.


As demonstrated, I offer a solid track record of success in generating dynamic results across key areas of operation spanning business development, sales, customer servicing, operational productivity/efficiency, and profits, with a keen ability to identify, develop and implement targeted strategies for boosting bottom-line performance. I have been highly successful in steering ground-up start-ups, launching and developing new regions, expanding markets, driving competitive leveraging, and maximizing revenue channels. With a talent for identifying and capitalizing on opportunities, building and motivating teams, facilitating strategic relationships, and delivering world-class service as well as managing full-scope operations, I am confident that I would be an asset as a member of your staff.


As an executive/senior manager you will find that I am a self-driven leader and collaborative team player positioned to deliver immediate and long-range results and consistently committed to supporting you in achieving and surpassing your goals. I welcome the opportunity to interview at your earliest convenience, and look forward to your response.






Rick Lowie








Richard (Rick) Lowie

xxx-xxx-xxxx (US) Sanford, Florida
xxx-xxx-xxxx (Jamaica)









Contact Name

Company Name


City/State/Zip Code


Dear _______________________________:


I would like to thank you for providing me the opportunity to interview with you and discuss the exciting (TITLE OF POSITION APPLYING FOR) position currently available with your company. Having gained a deeper insight into the job requirements and your objectives, I am confident you will find me a valuable asset in achieving your goals.


As discussed, my extensive leadership background and track record of success should translate to dynamic results as a member of your team. In particular, I believe you will find my expertise in (ADDRESS A FEW SKILLS/QUALIFICATIONS/ACHIEVEMENTS RELEVANT TO THE POSITION WHICH YOU DISCUSSED DURING THE INTERVIEW) vital to your immediate and long-term objectives.


Should you have any additional questions, or to further discuss this opportunity, please feel free to contact me at your earliest convenience. Again, thank you for the enlightening interview. I look forward to your response and am eager to contribute to your success.






Rick Lowie





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