Christopher Clapp Email & Phone Number

Auburn Hills, Mi

-Review and analyze credit union loan portfolio’s daily with a dedicated concentration on locating areas of risk and opportunity.-Develop and implement operational lending procedures with a focus on efficiency.-Train front line staff with team of Branch Managers to improve upon consumer lending needs.-Grew indirect lending portfolio by developing and maintaining relationships with network of dealers. -Review individual loans for adherence to current underwriting standards while applying findings to coach lending staff.

Farmington Hills, Mi

- Work with business services on developing and generating business leads based on previous analysis to grow overall relationship.- Work with REO, Commercial, and Consumer Departments for continuing growth, products, and portfolio management.- Analyze loan portfolio monthly looking for analytical data to improve policies and procedures.- Coordinate and run quarterly loan autopsy meetings with Collection and Lending Department to review portfolio performance. - Lead and coach department wide to ensure consistency and uniformity in all practices to meet state and federal guidelines. - Receive loan requests and perform analysis on current financial condition of businesses and forecast industry growth to determine overall credit worthiness.

Farmington Hills, Mi

- Presented monthly loan volume forecasting reports to management on behalf of all regional department analysts. - Recognized by company leadership for personal portfolio with less than 1% delinquency rate for contracts in excess of $75k. - Coordinated team lead on new credit evaluating operating system to improve smooth implementation for analysts. - Analyzed client applications through credit bureau companies for approval, denial, or potential condition. - Responsible for credit department audits of previous auto loan contracts for state and local law compliance.

Kalamazoo, Michigan Area

- Worked with Credit Committee review board as part of managerial team to underwrite and restructure previous loans to meet federal audit guidelines. - Gathered and analyzed monthly reports to look for recurring trends for possible improvements and cost saving opportunities. - Appointed as company representative to protect assets up to $8k in small claims and bankruptcy court. - Initiated and followed through until completion of foreclosure process while adhering to the State’s legal guidelines. - Reviewed foreclosure documents with company attorneys and executives to develop and employ corrective action.

Bachelor’S Degree, Business Administration, Management And Operations

Activities and Societies: Management Student Organization (MSO): Executive Board Member Leadership in Energy and Environmental Design (LEED)

Education record