Christopher Decker Email & Phone Number

Denver, CO, US

Pueblo, CO, US

Denver, CO, US

• Assist Loan Officers with structuring and administrative issues prior to approval.
• Review and approve loans of $1.0 million to $3.0 million.
• Member of Senior Loan Committee approving loans from $3.0 million to $15.0 million.
• Responsible for the management of all credit reviews, accounting audits, and regulatory exams.
• Responsible for maintaining the Bank’s credit policy, providing relevant credit training, and managing all credit related projects.
• Served as Asset Liability Manager for the bank; duties included ALCO, IRR modeling, and maintaining adequate daily liquidity.

• Managed all earning assets of the bank, approximately $140.0 million in loans and $50 million in investments.
• Responsible for all credit functions of the bank to include personnel (4 branches: 8 loan officers, 8 loan processers).
• Entered a problem bank situation, developed a cohesive team, resolved all credit issues, reduced classified assets (from over 110% to less than 30% of capital), and restored regulatory confidence.
• Wrote a comprehensive credit policy, standardized underwriting and loan presentations, created a risk rating system for loans, a relationship-risk based loan pricing model, and problem loan report templates to include.
• Centralized consumer lending, wrote a consumer loan policy, and created a Consumer Loan Department.
• Managed all aspects of real estate valuations, to include ordering and tracking of appraisals, and the development of appraisal review forms, internal market valuations, and environmental review forms.

Raleigh, North Carolina, US

• Member of Executive Loan Committee approving credits of $3.0 million to $15.0 million.
• Supervised credit activities for 5 branches consisting of 11 loan officers and $575 million in commercial loans.
• Managed Construction Loan Department monitoring and disbursing funds for $250 million in construction loans secured by various types of commercial real estate.
• Created and implemented loan and portfolio level stress testing models for commercial real estate.
• Established and managed a Portfolio Monitoring Department, which monitored credit risk and produced various levels of reports for managerial and decision making purposes.
• Created and implemented an enterprise-wide monitoring process assimilating appraisal and market data for commercial real estate loans.

Denver, Colorado, US

• Member of Senior Loan Committee approving credits of $7.5 million to $15.0 million. Also a member of numerous other committees including: Asset and Liabilities (ALCO), Anti-Money Laundering (AML), Bank Secrecy Act.
• Formed and managed a Real Estate Appraisal Department consisting of 3 staff appraisers and an assistant, which monitored and reported real estate market conditions and values.
• Managed a Construction Loan Department consisting of 15 personnel and $150 million in assets.
• Managed and liquidated (“work-out”) a $40 million portfolio of problem Agriculture and Commercial Real Estate loans. Managed a commercial loan portfolio consisting of approximately $25 million in loans and $4.5 million.
• Created and implemented a credit training and financial analysis program encompassing approximately 150 individuals over a 4-state region.
• Developed, implemented and received a provisional patent for an enterprise wide credit risk model, which provided for stress testing, managing ALLL, and validating capital requirements for a portfolio of commercial.

Pueblo, CO, US

Arlington, Virginia, US

• Commanded a 28-man Service Detachment in a Special Forces Battalion, which provided logistical support and material for over 630+ combat personnel deployed worldwide.
• Controlled combat and support operations within a Battalion Tactical Operations Center consisting of 18 “Operations” personnel.
• Performed duties as primary advisor to a Lieutenant Colonel on all issues involving nuclear, biological, and chemical weapons for a period of 19 months.
• Planned, developed, and supervised a comprehensive nuclear, biological, and chemical training program that trained 891 personnel every 3 months.
• Prepared and briefed 18—Pentagon Level, Secret Classified—Unit Status Reports. Maintained historical records with no security violations or breaches.

Bachelor Of Business Administration (Bba), Finance

Associate'S Degree, Business Administration And Management, General