Clayton Hardwick Email & Phone Number

Chattanooga, Tennessee, United States

• Oversee daily operations of the Business Manager program, an asset-based lending product offered by Builtwell Bank
• Underwrite commercial loans by spreading financial statements and writing a detailed narrative analyzing the creditworthiness of loan relationships exceeding $1.5MM
• Perform annual reviews of current commercial business customers

Chattanooga, Tennessee, United States

• Analyze financial statements and assess the credit risk of borrowers looking to obtain a loan for business purposes
• Write credit memos spreading the financial data of borrowers and completing a full assessment of the creditworthiness of the borrower
• Perform annual reviews of current business customers

Dalton, Georgia, United States

• Provided exemplary customer service while assisting clients with their banking needs, including opening new deposit accounts, educating them on bank products, and resolving problems
• Performed lead teller duties including money ordering and shipping, processing change orders, dispersing cash to the teller line, and balancing the vault
• Executed teller line duties including deposits, loan payments, balancing cash drawers, and correcting discrepancies and weekly balance of the ATM

Chattanooga, Tennessee, United States

• Managed a retail mattress store with duties including meeting monthly sales goals, providing excellent customer service, preparing budget reports, and managing inventory
• Worked with customers to identify their sleep needs and find the best product for them
• Increased year-over-year sales by 11% during my tenure as a store manager and set the store record for sales in a single month
• Trained managers on duty to meet their monthly sales targets and helped prepare them to become store managers