Brian Monson, Mba Email & Phone Number

Elk Grove Village

Greater Chicago Area

Greater Chicago Area

Senior Vice President - Credit Banker (January 2019 to October 2019)• Responsible for providing guidance to commercial bankers on the structure, pricing, and underwriting criteria for large, complex, commercial loan transactions. • Accompany RMs on client and prospect calls as a part of both the underwriting process as well as to assist in the negotiation of credit terms & loan structure.• Assist RMs in the negotiation of credit terms and structure with the bank’s divisional credit officers and loan committee members.

Greater Chicago Area (West Loop)

SVP – Portfolio Oversight (Jan 2018 to January 2019)• Provide macro level credit oversight on ~$3.5bln in C&I exposure. • Continually monitor and identify changes in the risk profile for the overall portfolio as well as individual analysis on relationships with credit exposure that exceeds $5mln.• Work with group presidents and senior portfolio managers to ensure early warning indicators of increasing credit risks are identified and addressed quickly through the use of portfolio management tools.• Provide credit approval for covenant waivers, loan modifications, and amendments as well as advise PMs and RMs on recommended structure and underwriting criteria for new and existing complex relationships. VP – Senior Field Credit Manager (Oct. 2014 - Jan. 2018)• Team leader for a group of Field Credit Officers who provide credit support for over $1.6bln in C&I credit exposure.• Responsible for assisting commercial relationship managers with underwriting, structuring, pricing, and portfolio management of complex commercial transactions for clients with revenues ranging between $50mln and $1bln.• Actively monitored the risk profile for the bank’s C&I portfolio to determine, in real time, appropriate individual credit risk ratings, and recommend status changes & impairments for customers with deteriorating credit conditions.• Reviewed new and renewed loan presentations to insure requests are accurately presented, the proposed structure meets current credit policy guidelines, the analyst has identified and mitigated any and all credit risk, and the appropriate reporting and covenant controls have been implemented.• Accompanied loan officers on client and prospect calls as a part of both the underwriting process as well as to assist in the negotiation of credit terms & loan structure.• Responsible for the development, training, and mentoring of new analysts in the bank's Leadership Development Program.

St. Charles, Illinois

• Responsible for providing guidance to commercial loan officers, credit analysts, and bank management on how to mitigate individual credit risk associated with new and existing commercial loans.• Actively involved in large, complex relationships, and provided guidance on due diligence, risk assessment, risk ratings, and documentation.• Structured and presented complex loan proposals to the bank’s board of directors, and loan committee members.• Handled customer negotiations, deteriorating credit situations, and complex credit transactions.• Actively managed the training and development of all new credit analysts.• Analyzed financial statements to determine borrower’s credit worthiness, identify historical trends and weaknesses, and determine appropriate capital and debt levels to maximize client operations while minimizing bank risk.• Prepared detailed forecasts and projections for clients to help them identify potential cash flow shortages, future working capital needs, break-even points, and address possible challenges that could arise from changes in their industry. • Analyzed client mergers and acquisitions to identify and quantify the impact the transaction would have cash flow, liquidity, leverage, and profitability.

• Responsible for managing the daily operations of the business banking department.• Created and instituted new lending policies and procedures to conform to safe and sound lending practices. • Established a formal application process to insure an applicant’s financial information has been reviewed, an accurate risk rating has been assigned, and the appropriate loan documentation has been used to help eliminate any potential risks to the organization.• Reviewed the existing loan portfolio to identify & mitigate potential risks, work-out problem loans, and create proper reserves for credits with likely impairments. • Developed a comprehensive marketing plan designed to differentiate BHCCU's business lending program from the competition.

Greater Chicago Area (Elgin, Il)

• Analyzed financial statements to determine borrower’s credit worthiness, identify historical trends and weaknesses, and determine appropriate capital and debt levels to maximize client operations while minimizing bank risk.• Used historical financial data, industry trends, and insight from client management to prepare projections and break-even scenarios to determine borrower’s future ability to repay bank debt.• Prepared and presented loan proposals to the bank’s board of directors.• Negotiated loan terms with prospective clients.• Continually monitored the credit quality and performance of the bank’s loan portfolio as a member of the internal loan review committee.• Successful completion of a formal 2 year credit program which included Omega credit training.• Specialized in C & I lending, primarily in the manufacturing industry.• Managed a $100 million C&I loan portfolio with an average customer size of $10-250 million in annual revenues.• Managed a $150 million special asset/loan participation portfolio loan portfolio of primarily complex CRE loan relationships.• Structured and presented complex loan proposals to the bank’s board of directors and loan committee members.

Rockford

Mba, Business Administration, 3.9 Gpa

Activities and Societies: Beta Gamma Sigma

B.S, Political Science - Public Law