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.
• Team leader for a group of Field Credit Officers who provide credit support for over $1.6bln in C&I credit exposure.

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.

• 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.
• 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.
• 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.

Rockford

Mba, Business Administration, 3.9 Gpa

Activities and Societies: Beta Gamma Sigma

B.S, Political Science - Public Law