Rodney Clapp Email & Phone Number

Raleigh-Durham-Chapel Hill Area

To provide quality experiences for businesses in the Triangle while also providing solutions in an evolving business environment.

2501 Blue Ridge Road, Suite 100 Raleigh Nc 27607

2020 – Ranked #1 in peer group of 104 branches for Small Business. 2020 – Ranked #5 overall in peer group of 104 branches. 2017- Financial Center improved from a Level 6 branch to a level 1 branch in less than 12 months. • Responsible for managing a team of 4 to provide the ultimate customer experience for both existing customers and prospects. • Proactively calling on new retail and small business opportunities to grow the book of business and create additional profitability.• To partner with other departments to help grow various segments of the bank through referrals.• Coaching each team member to help them grow within the company and reach their potential with Fifth Third.

Raleigh-Durham, North Carolina Area

• Providing stellar service to manage and grow existing banking relationships while always partnering with referral sources to develop new business opportunities.• Utilizing my experience in financial sales leadership to work well with other bankers.• Constantly striving to develop and grow relationships that create profitability for Wells Fargo. • Always seeking out referral opportunities to grow relationships with other banking partners. • SAFE registered

Cary, Nc

Team Lead of 10-12 consumer loan underwriters in a call center environment. Managing quality and production for a major US Bank's consumer loan portfolio.

Raleigh-Durham, North Carolina Area

• Responsible for leading and managing B&P Home Preservation Settlement Team consisting of 8-20 team members who completed final doc prep for HAMP, NON-HAMP, and Specialty loans • Manage multiple teams and their ability to reach production goals along with managing the efficiency and quality of final home modifications being completed • Develop and implement a training program for newly hired Loan Administration Manager to manage the baseline HAMP team.• Transferred to manage the specialty team that works Bankruptcy, Mediated, Litigated, Servicer Delayed, 2MP, and MBS pipelines. Implemented plan to improve QA along with reducing the aged pipeline and improving the amount of time to complete and mail modifications • Team accomplishments in 2015o Overall cost per modification was reduced from $589.00 to $326.00 in 12 monthso Completion time of modifications improved from 23 days to 21 days in 6 months o Servicer Delayed pipeline improved by over 50%o QC audit findings decreased by 1.5% o Reduced aged pipeline by 50%o On a scale from 1 to 5, 6 of 8 team members improved to a level 4 on their annual reviews o Improved total team’s performance through performance plan improvements • Manage staffing models to ensure production goals are met while also budget monitoring to ensure financial goals are met • Drive strategic planning and implementation for operational efficiency, risk management, and process improvement• Manage cross-functional relationships with Underwriters, Specialists, Business Support Groups and Investor Services • Perform all managerial duties, including but not limited to: hiring, coaching, developing & terminations• Team consistently leads in both production and QA results each month• Quality results reduced from 10% to 3.98% within 3 months of joining leadership team, which resulted in team incentive for the first time in 8 months

Raleigh-Durham, North Carolina Area

• Completed analysis and underwriting duties for home owners seeking mortgage modifications whose incomes are generated from sole proprietors, partnerships and corporations • Tasked to complete Peer Review of files for level A and B delegated underwriters • Analyze and examine tax returns including: K-1, Schedule C, Schedule E, 1120, 1120S, and1065 IRS forms• Performed credit analysis and risk tolerance review in accordance with Mortgage Insurance, Investor and Wells Fargo credit policy

Erwin, Nc

• Increased loan growth by 50%, month over month, consecutively with average loan size exceeding 100K • Grew deposits by 30% while managing a staff of 4• Coached and trained personnel to meet all sales and customer service goals • Ensured revenues and expenses met profit and loss guidelines as well as firm objectives o Worked less than 12 months as opportunity to relocate closer to home and children was offered with Wells Fargo

Raleigh-Durham, North Carolina Area

Review and analyze commercial and retail loan documentation from an existing loan portfolio to determine amortized maturity dates for both performing and problem loans. Collect data from specific loan documents needed for accounting purposes to project profitability and ROAImplement collected data into excel spreadsheets to further project profitability on assets purchased Provide information to accounting for ideas on problem loansFamily Fare Convenient Stores January 2010Sales and Management (Family Owned Business) February 2011Retail sales and marketing of products in a convenient store environmentManagement of shifts and others during those shiftsBalancing cash drawers and preparation of commercial deposits Monitored trends in sales and monthly losses to see where adjustments should be made

Raleigh-Durham, North Carolina Area

Coordinated activities to implement institution policies, procedures, and practices concerning granting or extending lines of credit and loan activitiesCollected sufficient financial documentation and reviewed loan applications for completeness and analyzed applicant's financial status, credit, and property evaluation to determine feasibility of granting loan requestsPrepared Credit presentations for additional approval by law, regulations, and Board of DirectorsProcess/Reconcile month-end, journal entries, accruals/deferrals, & capitalization Worked with delinquent customers for solutions to bring them current

Burlington, Nc

Interviewed prospective customers and gathered all relevant credit and financial data to initiate the credit process for both consumer loans and business loans. Consistently exceeded annual growth and production expectations for both loans and depositsWorked with customers during the loan process to determine equity position, D/I ratios, and when needed to project future cash flow positions. Generated, underwrote, and processed SBA and USDA loans as needed with loan opportunitiesProcessed advances on lines of credit for both non real estate and real estate secured lines.

Hillsborough, Nc

Served as a key member of the executive team that set the company's strategic directionSpearheaded business development initiatives that were consistent with the company's overall strategy while exceeding growth expectations that demanded a secondary stock offering for capital. Manage multiple business initiatives in a start-up environmentEngaged in revenue generation and strategic partnership developments and management while achieving profitability in 18 months with a projected time line of 36 months. Underwrote all loans for the bank, ranging from, but not limited to, car loans, equity lines, mortgages, and business loans. Generated, underwrote, and processed SBA and USDA loans as needed with loan opportunities

Hillsborough, Nc

Analyzed financial performance against key business metrics and document pertinent financial highlights that enabled management to determine progress against budgets.Managed all employees of the branch including both sales and operational functionsCarried out the operations including the day-to-day management of income and expenditures, accounts receivable and payable, payroll and benefits administration oversight, and the general ledger.Consistently exceeded growth and profitability expectations for both the branch and on an individual basisDeveloped loan opportunities, collected financial data and underwrote for credit decisions. Generated, underwrote, and processed SBA and USDA loans as needed for loan opportunities.