Gregory Johnson Email & Phone Number

Chicago, Il, Us

Greater Chicago Area

Proactively service the credit needs of the bank's consumer and residential mortgage customers and promote the Bank and its lending services to the local real estate community. Function as customer's chief point of contact throughout the life of the loan process. Responsible for expanding and deepening customer relationships by identifying customers' needs and matching their needs with product selections and resources within the Bank's lines of business.

Chicago, Il

Responsible for the growth, quality and compliance of the loan portfolio along with risk management, strategic planning and loss mitigation. Provide leadership on new regulatory developments impacting lending policies, product compliance and loan underwriting guidelines.

Downers Grove, Il

Proactively involved in originating quality FHA, VA and conventional mortgages and home equity loans. Managed customer’s expectations through the entire loan process, from data collection and analysis through loan conclusion and maintaining positive customer relationships. Collected and analyzed information regarding customer income, assets, investments and debts. Presented the advantages and disadvantages of various financial products to meet the customer’s needs and financial circumstances. Prepared the loan application and package for underwriting review.

Chicago, Il

Analyzed, monitored, and reported the asset quality performance of the bank’s $200 million Consumer Lending portfolio, and gathered additional data and research to understand trends and risks to maintain the credit quality objectives of the bank. As a member of the Credit Risk Management Team, played a vital role in working with the Consumer/Retail lines of Business (LOB) in the screening, structuring and approval of new loans, renewals and modifications of credits while mitigating risks to the Bank. Developed Credit Policy and Procedures for originating consumer loans and loss-mitigation alternatives. Recommended loan charge-offs and non-accrual status for impaired credits. Performed analysis to determine appropriate Risk Ratings for the Consumer Lending portfolio. Coordinated with various bank departments to establish new Consumer Lending products. Assisted Loan Officers with structuring of transactions and complying with the bank’s credit and compliance policies. Assisted Chief Credit Officer and Director of Credit Policy as needed. Prepared Senior Management Report, including various loan forecasts and trends as requested.

Chicago, Il

Formalized the Mortgage Lending Department’s Construction Disbursement Program by initiating use of the Title Company, hiring a certified Property Inspector, and coordinating the property inspection process with the borrower and/or contractor. Supervised and tracked inspection activity throughout the department. Created reports for Department Manager. Managed interest rate risk by conducting loan-flow sales to FNMA. Determined loan rates, created three-tier loan pricing module based on degree of risk, and monitored the market for rate fluctuations. Created reports detailing competitor’s product availability and pricing options. Managed a team of five Lenders in four bank branch offices.