Chris Emtcheu

Completes in depth analysis of financial data and other information in support to rational credit decision

Complete supplemental analysis, research and evaluations to develop and assess industry risks and trends

Uphold optimum credit analysis and credit policy exception with the utmost sound judgment with minimal supervision

Monitors and manage credit portfolio performance with complex industry specialty

Demonstrated ability to balance credit and revenue objectives by making quality and profitable credit decision

Responsible for risk mitigation by securing existing loan portfolio holding high risk position or high probability of default.

Enhance loss mitigation strategy by improving the company's risk position on existing loan which entail making adequate decision on deferment request, loan settlement and loan adjustments of term.

complete loan underwriting and data verification(income documentation, identification, etc)

Hold the highest standard to branch network servicing effective by ensuring adequate turnaround time on credit decision and loan servicing request

review and analyze credit scoring, risk factor, and profitability

Responsible to understanding borrower methods of operation, collateral valuation, recommendation, loan structures, markets, and overall credit worthiness.

Consistently conduct analysis to prepare loan proposals in accordance with established procedures, templates, and quality standards.

Ensured leadership and management at a level 5 banking centers in the absence of the branch Manager

Consistently provided management and leadership support to multiples banking centers of the District.

Assisted the district operation coach in audit process and quality control by performing random audit to multiple branches

Planned, strategized, managed, and implemented operating policies and procedures, regulatory compliance, as well as branch cash management process.

Ensured quality transaction by managing General Ledger accurate Credit/Debit reporting.

Ensured risk management and loss prevention by establishing a due diligence process which entail accountability and management review process.

Provide inspiration and leadership to staff through daily one on one coaching, morning huddles, and weekly meeting

Developed and executed integrated sales, relationship, and credit strategy aligned with business objectives to achieve desired revenue growth.

Enhance branch portfolio growth by identifying cross-sell and up-sales opportunities, expanding client relationship, and client acquisition.

Ensure a welcoming environment customer centric environment.

Ensure a strong sales and services culture, fostering an environment where all staff work as a team to achieve all business goal.

Actively contributed to the yearly sales (2011) success with over $ 1 million in booked loan and $ 500,000 in investment sales.

Played an important role in achieving a successful audit score(95%).

Actively coached and developed a strong performing team leading that consistently exceeded sales goal and customer services.

Played an important role in a successful Capital One/Chevy Chase Bank Merger & Acquisition

Ensured that the super market branch meet the overall corporate objective by providing excellent customer service as well as selling bank products and services.

Directed branch business development through outside calls, in-branch selling, out bound calling, telemarketing, and branch campaign.

Maintained a strong sales and service culture by coaching, leading, and educating branch employees on sales techniques.

Ensured expansion of customer relationships through cross-selling activities, follow-up process, and cold calling

Planned, implemented, and managed the operating and capital budget to maximize bank profitability

Ensured the execution of branch regulatory compliance standard as well as policies and procedures

Successfully opened the new In store branch, developed new business relationship, and established a strong customer base in the specific area.

Achieved a 5 stars customer service excellence for 5 consecutive months.

In year 2009, the branch acquired over 500 new deposit accounts, over $ 8 million in deposit base, and a strong loan portfolio

Responsible of the direct supervision of nine branch employees in the absence of the branch manager

Successfully increased business growth through networking, new client prospecting, and referrals

Directly managed the operation process, Profit and Loss, regulatory compliance standard, as well as written policies and procedures.

Ensured cash management by monitoring the established cash level standard, overage and shortage, loss prevention and robbery procedure.

consistently communicate with the district operation coach to improve operation process, define successful audit strategy, and be aware of policy change and update.

Assist the branch manager in employee development, hiring and firing procedure, coaching, and performance management

Received several individual customer service award.

Actively contributed to at least 40% of the sales goal achievement

Played a vital role in the achievement of “over target rating” of the annual audit.

Actively built and developed one the strongest and stable team of the region

Offered and sold financial service product to consumers and small business customers.

interacted with customers to ascertain encountered needs.

Opened deposit accounts, originated loan application, and managed multiples customer service request.

Leveraged and mastered in- depth product knowledge to provide customer with the best financial recommendation and solution.

conduct sales activities initiative.

Identified and referred investment sales prospect.

Assist the branch in meeting sales goal and revenue growth

Educate, train, and coach tellers, Junior bankers, and new employees on bank products and services.

Exceed individual lending goal by 137%

Consistently remain above target with assigned goal

Contributed 35% of the branch yearly sales goal achievement