Joshua Trubiani

904-***-****

acdomb@r.postjobfree.com

http://www.linkedin.com/pub/joshuatrubiani/90/ba9/200/

Summary

Credit professional with 15+ years experience managing collections, trail balances, general ledgers,

auditing, and dispute resolutions. Strong track record of reducing bad debt, maintaining high collection

percentages and recovering prior write offs; business to business, consumer, and third party collections

with focus on excellent customer service. Results orientated.

Accomplishments

• Successfully maintained two separate offices as Credit Manager with a 4:1 weekly split, reducing

company expense increasing collections

• Averaged 80% on monthly collections; 3500 national accounts over $40M receivable to maintain

higher profit margins

• Established new bank relationships and provided additional lending options for lower tier credit

• Continued reduction of write offs by 20% and recovered 15% prior year write offs to increase

operating budget

• Elected Regional Floater for achieving 97% on audit efficiency, covering gaps and protecting

company assets

• Fast tracked to credit resolutions specialist for bank contractual dispute, with positive outcomes,

increasing operating revenue

• Developed Excel program to auto calculate Sales commissions and avoid costly errors

• Created Harp approval Templates for new associates to ensure accuracy and avoid charge-backs

• Passed level 3 underwriting exam; score 91% and increased work eligibility and production

• Achieved full sign off; 2million jumbo, conventional, bridge, construction to perm loans, in 13

months

Experience

PHH Mortgage (Merrill Lynch) Jacksonville, FL

Scenario Underwriter III 2013 - 2014

Scenario Underwriter II 2012 - 2013

Conducted full credit, asset, income reviews and streamlining approval process; setting upfront conditions

to comply with industry standards. Created open channel with sales teams, management, to gather

necessary paperwork for better customer experiences and avoid charge-backs and redraws. Averaged

200 monthly loan approvals and maintained less than 1% error; 89.6% productivity.

A&B Marketing (RainSoft) Jacksonville, FL

Finance Manager 2011 - 2012

Approved consumer credit applications and selected national banks based on funding rate and branch

expense/cost or profit margin. Worked with accounting assisted in past due in-house accounts, update

inventory, and maintain warranty cards for better customer service and calculate salesman commissions.

99% of all in-house pre-approvals were funded, less than 1% was approved by senior management.

Energy-Armor, Inc. Jacksonville, FL

Events Director 2011 - 2011

Sales Team Leader 2010 - 2011

Developed sales techniques, hired, trained, managed on-site inventory and cash flow, increasing profits

and protecting collateral. Started new division; increasing brand recognition with national and local

events; created policies, procedures, and forecasted profit/sales for senior management approval

CIT Group, Inc (National Bank) Jacksonville, FL

Credit Resolution Specialist 2008 - 2010

Portfolio Account Manager 2007 - 2008

Managed high call volume to meet collections deadlines on end of lease contracts. Resolved contractual

disputes between vendor service issues and customers. Negotiated large settlements and payment plans

to increase bottom line for bank and retain customers. Completed financial audits to determine and

forecast loss risk for large portfolio’s; ensuring asset protection and reduce possible bad debt.

GE Capital (Finance Distribution) Antrim, NH

Field Representative (Auditor) 2003- 2007

Independently scheduled inventory audits, bank audits on floor planned inventory; collected on open

invoices and estimated collateral loss based on depreciation guides. Organized and scheduled large multi

state audits and averaged less than 2% defect in reporting, reducing additional required inventory audits.

Clovis & Roche(Collection Agency) Metairie, LA

Legal Director (commercial/consumer) 2002 - 2003

Collection Representative 2001 - 2002

Informed customer of suit worthiness, conducted collateral reviews, hired and negotiated with private

investigators and attorneys for suit. Focus on collections reducing DSO with payment plans, settlements,

returns, bank loans; assisting our customers with recovery and increasing the operating budget.

Ferguson Enterprises, Inc. Lynn, MA

Credit Manager 1998 - 2001

Credit Trainee 1997 - 1998

Developed strong collection techniques, was constantly ranked in top 15 out of 150 nationally for

excellent collection percentages, low annual write offs, and prior years bad debt recovery. Was promoted

3 times in 4 years to greater branch size taking on larger customer bases with Lynn being over 3500

accounts and accounts receivable $40 Million. Issued refunds, resolved disputes, negotiated payment

plans and managed settlements to help increase operating budget and retain a strong customer base.

Key Skills

• Collections & Receivables • Trial Balances • Inventory Management

• Dun & Bradstreet • General • Microsoft Office

Ledger/Journal

• Credit Bureau’s Reports • Debt Recovery

Entries

• Internal/External Auditing

Experian, Trans, Equifax

Education

University of Massachusetts at Amherst

Bachelor of Business Administration/Major: Finance

Affiliations & Special Training

• Chairman NACM: Jacksonville • Money Laundering

• VP of Finance (SIG EP) • Fraud Prevention

• Angel Aid Volunteer • Data Protection & Security

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