Chris Bird Email & Phone Number

Knoxville, Tennessee, United States

Knoxville, Tennessee Area

Knoxville, Tennessee

- Provide support of credit risk management by validating underwriting, policy compliance and risk assessments on credit request packages. - Evaluate, recommend and implement improvements to processes and procedures to enhance the banks competitive position while ensuring compliance with policy, legal and regulatory requirements.- Review and update loan systems information to ensure accuracy and investigate unexplained variations in reports and data.- Verify appropriate risk has been assessed utilizing existing risk grading process, systems, tools and guidance.- Inspect electronic and physical credit files to ensure adherence to Policy.- Develop and administer controls to ensure the integrity of the reporting process and complete special projects for FDIC reporting- Keep abreast of changing business and economic developments which impact the loan portfolio and profitability

- Prepared and presented detailed reports about the financial condition of businesses with revenues up to $100 million.- Managed the credit risks and policy compliance of 2 commercial loan portfolios totaling $90 million in commercial loans.- Creatively structured loans that met both the customer needs and fit within company policy. - Developed projections, performed sensitivity studies, and compared ratios to industry trends.- Independently developed several Excel “smart” forms to improve efficiency and was so effective that management implemented them company-wide.- Identified credit risks and created solutions to mitigate those risks.

Memphis, Tennessee, United States

- Underwrote, serviced, and closed commercial loans within a $200 million commercial loan portfolio.- Responsible for the financial analysis of loans within the portfolio.- Achieved a Top 10 in loan growth company-wide out of 75 relationship managers.- Developed and serviced over 200 customer relationships.- Created professional correspondence to internal and external customers.

Greeneville, Tennessee, United States

- Built an $8 million small business loan portfolio from scratch.- Used cold calling and referral-driven techniques for prospecting new customers.- Pre-screened applications through the analysis of financial statements.

Memphis, Tennessee, United States

- Evaluated the financial condition of businesses by analyzing factors such as income growth, liquidity, profitability, credit history, collateral, trend analysis, and industry risks.- Prepared written reports detailing the findings of the customers’ financial condition to aid in underwriting commercial loans.- Completed 6 months of internal training classes of advanced accounting and finance taught mostly by professors from the University of Memphis.

Ba, Business Management, Entrepreneurship

Activities and Societies: Golf Team

Transfered

Transferred to Tusculum College via Golf Scholarship