JOSHUA D.

CRUEA
105 Partridge Dr. * Columbia, SC 29206 * (803) 606-4834 Cell
jcfbd4ea@westpost.net

EDUCATION
UNIVERSITY OF SOUTH CAROLINA, COLUMBIA, SOUTH CAROLINA
Bachelor of Science in Business Administration, May 1997
Major: Accounting
REAL ESTATE SCHOOL FOR SUCCESS 2006
SC LIFE, ACCIDENT AND HEALTH INSURANCE LICENSE 2008
SC NOTARY PUBLIC 2008
NATIONAL AND S.C. MORTGAGE LICENSE -NMLS 319606 2010

RELEVANT EXPERIENCE
AMERICAN GENERAL FINANCIAL SERVICES, formerly Equity One, COLUMBIA
, SC (2007 - Present)
Sr. ASSISTANT BRANCH MANAGER
* Manage all aspects of the branch's lending operations, including loan applica
tions, mortgage
originations and closings, negotiating loan terms, selling insurance, makin
g loan decisions
* Dropped total loan delinquency rate from over 4% to 2%
* Exceeded loan sales volume from previous years, top producer in branch and di
vision several
times in 2008, 2009 and 2010
* Helped improve return on income to record levels by soliciting high quality lo
ans and driving
down delinquency
* Direct branch collections operations including directing collectors, field ca
lls and loss mitigation
* Coach other branch staff members on effective solicitation call methods
* Nurture relationships with existing retail dealers and establish relationship
s with new dealers
* Supervise all branch activities in the absence of the manager
WALTER MORTGAGE COMPANY, COLUMBIA, SC
FIELD REPRESENTATIVE/ PORTFOLIO MANAGER
* Administered all aspects of mortgage originations, closings, and property sal
es, adhering to all
lending laws and proper procedures
* Led the region in home sales on foreclosed properties ($1.5 million), bringi
ng inventory from
twenty-eight unsold properties to eight
* Managed a $39 million sub-prime mortgage portfolio, including all aspects of
collections,
administration, and forecasting
* Decreased delinquency ratio by 20% with a direct savings of $300,000, and un
told indirect
savings in time and legal expenses
* Evaluated, marketed, refurbished, sold, and mortgaged foreclosed homes
FORD MOTOR CREDIT, COLUMBIA, SC & NASHVILLE, TN
 TEAM LEADER/ COLLECTIONS AND CUSTOMER SERVICE MANAGER
* Responsible for all aspects of collections and customer service, including co
nflict resolution, investigation, collateral evaluation, repossession, client ac
count audits, and cost benefit analysis
* Managed a staff of twelve customer service/collection representatives
* Earned the prestigious Ford Credit Director's Cup for transforming one of the
lowest performing teams into the top performing team
* Key liaison between collections department and administration for unorthodox
accounting issues requiring creative problem solving skills
* Created a quick reference bankruptcy tutorial presented to upper management u
sed throughout Ford Motor Credit
* Led special marketing, employee education, and charity fundraiser projects, i
ncluding Junior Achievement and a record-breaking Juvenile Diabetes fundraising
team
* Promoted three times in three years
JOSHUA D. CRUEA
105 Partridge Dr. * Columbia, SC 29206 * (803) 606-4834 Cell
jcfbd4ea@westpost.net

RELEVANT EXPERIENCE (continued)

CORBIS, UK; LONDON, ENGLAND

ACCOUNTS ASSISTANT
* Balanced accounts payable and accounts receivable
* Reconciled and audited employee expense reports and currency exchange for for
eign travel
totaling $100,000
* Audited fixed assets and monitored company asset transfers
UNITED PARCEL SERVICE, COLUMBIA, SOUTH CAROLINA
INTERNSHIP
* Developed, implemented and evaluated new logistics procedures for UPS billing
, creating
a new business model consolidating all billing sites in the Southeast
* Directed four billing staff members in processing functions
* Delegated work responsibilities and supervised job performances to ensure acc
uracy and
adherence to guidelines, rules and regulations
* Coordinated vendors and company personnel to test and implement new logistics
and billing
procedures
WORK HISTORY
AMERICAN GENERAL FINANCIAL SERVICES, Assistant Manager, Columbia, SC, September
2007-Present
WALTER MORTGAGE COMPANY, Field Representative, Columbia, SC, February 2006-Septe
mber 2007
LANDSCAPE SOLUTIONS OF COLUMBIA, Co-Owner, Columbia, SC, 2005
COLUMBIA DETECTIVE AGENCY, Private Investigator, Columbia, SC, 2004
CLASS LEASING, Leasing Specialist, Atlanta, GA, 2003
WISCONSIN LAKE SCHOONER EDUCATIONAL ASSOCIATION, Educator/Sailor/International w
ork and travel Milwaukee, Wisconsin & New Zealand, 2001-2002
FORD MOTOR CREDIT, Team Leader/Manager, Columbia, SC and Nashville, TN 1998-2001
CORBIS, UK, Accounts Assistant, London, England, 1997
UNITED PARCEL SERVICE, Logistics Manager Internship, Columbia, SC, 1996

References available upon request