Ruth serves as the Loan Manager for the Development Bank of American Samoa. In this capacity, Ruth supervises 11 employees of loan officers and building inspectors. Ruth is responsible for applying strict standards for fairness in the acceptance, review and approval of loan applications. In addition, she ensures funds are disbursed fairly and homes are constructed to specification and completed on time and on budget. Ruth is also responsible for developing and implementing overall lending strategies, policies and procedures. Following the September 2009 tsunami, Ruth provided emergency support and led Development Bank staff to make certain the Bank's operations and services to the community were restored within weeks. Ruth attended American Samoa Community College and University of Phoenix, completing her studies in Finance. She is a proud single mother of 3 beautiful children, Mua, Naomi and Sipili.