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RESUME - TIMOTHY D. CLAPPER

*** ***** ****** • Hollidaysburg, Pennsylvania 16648 • 814-***-****

Email: *********@***.***

CAREER OBJECTIVE

Executive

PROFILE

** *****’ experience with thorough knowledge of banking rules and regulations, policies, procedures, and operations ... Supervised, trained and developed staff of numerous sizes ... Ability to work with diverse groups of individuals ... Well-developed leadership skills ... Profit-driven… Extremely service orientated and competitive with a unique combination of analytical abilities… Astute in identifying areas in need of improvement, with the vision to develop and implement successful action plans ... Innovative problem solver, level-headed and knowledgeable… Professional in appearance and demeanor ... Proven financial plan- ning, budgeting, and leadership ability ... Strong ability in coordinating diverse elements of numerous demands with an expertise in prioritizing tasks ... Well-developed verbal and written communication and interpersonal skills… Solid work ethic ... Consistently demon- strates exceptional knowledge and sound decision-making abilities in Financial Manage- ment, Strategic Planning, Automated Systems and Procedures, Customer Relations, Prob- lem Analysis and Resolution and Quality Improvement. PROFESSIONAL HISTORY

CNB BANK, Vice President / Commercial Loan Officer 2017-May 2021

Annually exceeded 10 Million in new loan growth

Zero delinquency and charge-offs

Zero missing items or technical exceptions

CLEARFIELD BANK and TRUST, Vice President / Business Development Officer 2008-2017

Closed over $110 Million worth of new business since February 2008

Team leader in loan closings and fee income generation

Exceeds all goals with minimal support

Zero delinquency and charge-offs

Developed correspondent banking relationships

Developed largest customer relationships, while managing the Bank’s legal lending limit SOVEREIGN BANK, Vice President / Manager of Commercial and Industrial Portfolio 2005-2008

Managed a portfolio in excess of $145 Million with a personal portfolio of $85 Million

Managed a staff of three professionals

Personally managed largest and most complex relationships

Generated $20 Million in sales first year

Annually exceeded Departmental Goals and achieved all bonuses AMERISERV FINANCIAL, Vice President/Commercial Loan Officer 2003-2005

Developed new business and closed commercial transactions

Generated in excess of $50 million in new loans in one year while improving risk rating of the commercial portfolio

Generated fee income and deposit relationships in excess of budget

Successfully completed numerous presentations to the board of directors

Counseled and analyzed numerous businesses in various stages of their growth cycle

Managed human resource issues, budget controls, and sales KISHACOQUILLAS VALLEY NATIONAL BANK, Vice President 1997-2003

Initiated this institution's first presence in Huntingdon County

Developed new relationships in Huntingdon County, and built relationships with existing customers

Participated in the acquisition of an existing bank

Acquired the site for the new office building

Successfully built a $50 million plus loan portfolio in 4.5 years

Generated $14 million in new sales annually

Annually produced $75,000 in fee income

Implemented, maintained, and enforced comprehensive written policies ensuring com- pliance with banking regulations

Established priorities on staffing, operations, equipment, personnel issues, and fiscal efficiency

KEYSTONE FINANCIAL, INC., Vice President

1983-1997

Managed Commercial Lending Portfolio in excess of $65 million

Appointed as Senior Lender in a time of crisis

Handled largest commercial customers and directors

Responsible for bank wide delinquency, asset recovery and charge offs including manag- ing a staff of 15 until holding company consolidation

Developed budget and marketing programs for $250 million Commercial Lending De- partment

Promoted from Credit Analyst to Commercial Lending Officer to Assistant Vice Presi- dent

Completed internship as a student at Juniata College and was hired over 35 other candi- dates

JUNIATA COLLEGE

Adjunct /Instructor- Financial Management - 2003

EDUCATION

Saint Francis University - 1998

Master of Business Administration with Honors

Juniata College - 1983

B.S. Accounting

CONTINUING EDUCATION

Leadership Blair County

PBA Central Atlantic School of Commercial Lending at Bucknell University ABA School of Commercial Lending at Ohio State University RMA School of Uniform Credit Analysis

Robert Morris Association (RMA) Seminars

Pennsylvania Bankers Association (PBA) Seminars

Agricultural Conference for Pennsylvania Bankers

Pennsylvania Institute of Public Accountants Seminar for Credit Grantors American Institute of Banking Courses and Seminars PROFESSIONAL AFFILIATIONS

Heidelberg Country Club, Treasurer

Heidelberg Scholastic Scholarship Fund, President

Leadership Blair County Alumni Association, Member Hollidaysburg Alumni Association, Member

Allegheny Ridge Corporation, Past President

Huntingdon Rotary, Past Board Member

Robert Morris Associates, State College Group, Pittsburgh Chapter Altoona/Blair County Development Corporation, Past Loan Committee Member Blair County Chamber of Commerce, Former Committee Member Blair County Salvation Army, Past Board Member

American Cancer Society, Past Board Member

Easter Seals, Fund Raiser

Junior Achievement – Teacher / Fund Raiser Chairmen Family Services of Blair County, Committee Member

Institute of Management Accountants, Member

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