Irwin Chubick

Lead enterprise accounting, financial reporting, and regulatory compliance for a multi-branch community bank.
Prepare and file Call Reports, FR 2900, FR Y-9, and related regulatory filings.
Oversee month-end close, GAAP financial statements, and liquidity reporting.
Serve as primary liaison with auditors, regulators, and examiners.
Strengthen internal controls, policies, and procedures.
Partner with executive leadership on budgeting, forecasting, and capital planning.

• Developed and implemented strategic initiatives to enhance organizational performance and growth.

Oversee and coordinate wide range of bookkeeping functions while utilizing QuickBooks. Administer full spectrum of profit and loss accountability to meet and surpass business mission. Maintain regular engagement with CPA for preparing and finalizing quarterly tax files. File state and local monthly taxes. Generate payroll for employees on a weekly basis while identifying and eliminating variances. Budget and forecast profit margins by 13%.

• Reviewed, investigated, and resolved all variances that have been uncovered between forecasted and actual income statement.

• Developed and introduced improvements to area policies, procedures, and systems to improve the overall operational effectiveness and profitability of the company.

• Increased sales by 83% between 2018 and 2019.

• Tasked to handle various responsibilities related to planning, evaluating, organization, integration, and controlling.

• Performed supervisory responsibility covering the areas of staffing, training and developing personnel, and participating in the adjudication process if needed.

• Maintained and reconciled bank accounts on a scheduled basis; posted monthly expense entries, completed account reconciliations, and provided variance analysis.

Planning, directing, and coordinating all accounting operational functions. Managing the accumulation and consolidation of all financial data necessary for an accurate accounting of consolidated business results. Leading and preparing internal and external financial statements. Work with internal and external auditors during reviews and audits to ensure full cooperation from accounting staff and compliance with all qualified requests. Daily assisting financial staff in performance and coaching, counseling, and planning for positive job results. Maintain staff benefits from health to 401K. Maintain internal safeguards for revenue receipts, costs, team and

organizational budgets and actual expenditures. Continuously developing and enforcing internal controls to maximize protection of company assets, policies, procedures, and workflows. Forecasting two-year financials with increased goals of 20% year-over-year growth along with decreasing excessive operational expenses. Lead development and growth in new business ventures. Acquisition and integration of other like companies into the Shamrock fold.

• Conducted detailed analysis of company financial information and oversaw preparation of related reports.
• Developed and oversaw yearly budgets and capital structure of company to determine best mix of debt, equity, and internal financing.
• Oversaw budgets, payroll, and accounts payable and receivable.

Supervised, monitored and evaluated all day-to-day accounting activities. Analyzed and transferred cash between various bank accounts, and managing daily financial processing, including auditing, analyzing, and verifying payroll data, cash receipts, and billing. In addition, I establish financial status by developing and implementing systems for collecting, analyzing, verifying and reporting financial information. Oversaw the accounting department functions with a focus on ensuring the timely and accurate delivery of financial statements and reporting. Worked with several direct reports and worked to allocate tasks evenly across the team. Work with internal and external auditors during reviews and audits to ensure full cooperation from accounting staff and compliance with all qualified requests. Created the company’s first budget for the next year’s finances. Planned, budgeted and purchased two new vehicles in the first six months of onboarding. Corrected inventory discrepancies and instituted correction procedures. Preparation of all financial reports, including Profit and Loss Statement, Balance Sheet and Statement of Cash Flows, as well as the year-end financial reports.

• Improved financial reporting accuracy through meticulous data analysis and reconciliation efforts.
• Managed cash flow effectively by optimizing working capital management practices and forecasting future needs accurately.
• Developed comprehensive financial models to support strategic decision-making and drive business growth.

Design and deploy efficient accounting systems to ensure smooth execution of complex accounting operations. Prepare, review, and file quarterly call report, regulation F quarterly report, and FR2900 with optimum accuracy. Manage monthly backup withholding, remittance, and filing monthly 945-tax form. Maintain liquidity and solvency of the bank. Perform yearly public funds pledging, prepare and submit securities pledged report, and create customer repurchase agreement statement. Update general ledger by inputting latest entries, while planning and organizing yearly and quarterly audits. Track, compile, and balance weekly expenses and income while maintaining maximum accuracy. Manage daily bank activity, reporting balances, check runs, receivable collections, and fund transfers, etc. including weekly cash flow reporting to management. Design and deploy efficient accounting systems to ensure smooth execution of complex accounting operations

• Worked with six executives to create annual budget and track actual expenses against projected expenses.
• Verified accurate completion of corporate income tax returns and optimal use of favorable tax codes.
• Reduced month-end closing time by optimizing reconciliation procedures and improving collaboration between departments.
• Led cross-functional teams in the implementation of new accounting software, improving overall efficiency within the finance department.