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The Not-So-Happy Story of the HappyJoy Church

S. Barry Klohr, CRC

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The story you are about to read is true. The names and certain details have been changed to protect the innocent (and the not so innocent). 

One sunny Tuesday morning, Smalltown Bank Senior Lender Al Oldtimer showed up at Mike Gruff’s office with his protégé Tom Newbie, a rookie C&I lender, in tow. “Mike,” he proclaimed, “I have a great loan prospect that should be perfect…

About the Author
S. Barry Klohr, CRC
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