Finance Professional
Resume:
Joshua Trubiani
*********@*****.***
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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