Jonathan Knox Email & Phone Number

Charlotte, Nc, Us

Charlotte, North Carolina, United States

Charlotte, North Carolina, United States

•Led climate risk reporting and risk data & technology efforts to accelerate climate integration, accountability and execution.•Developed climate risk reporting aligned with disclosure standards, regulations, and key industry benchmarks.•Created a sector assessment and heat mapping framework to identify sector vulnerability to climate risks including developing a climate risk assessment scale, sector taxonomy, and report design.•Collaborated with business group and IRM partners to complete sector assessments by assigning vulnerability ratings for 6 climate risk drivers covering transition and physical risks and providing supporting commentary.•Facilitated use case fulfillment and onboarded climate-related data and technology tools to enable risk management and business decision-making.

Charlotte, North Carolina

Primary responsibilities included leading and managing supervisory work related to Enterprise Risk and Credit Risk Management activities.Served as a large bank primary point of contact for CECL Implementation oversight including leading four CECL/ACL examinations.Acting CECL Program Manager during pandemic environment in 2Q20/3Q20 providing implementation results and presenting emerging risks to the OCC National Risk Committee. Played instrumental role in ACL Handbook update published in 1Q21.Supervised $50 billion Asset-Backed Finance portfolio, including evaluating credit risk management practices and asset quality. Led or participated in Structured Finance exams covering ABS, Corporate Debt, Fund Finance and Mortgage Finance portfolios.Directed CCAR/DFAST supervisory activities with responsibility for evaluating retail credit stress testing practices.

Charlotte, Nc

•Oversee retail and wholesale credit risk, covering global loan portfolios with total exposure in excess of $1 trillion.•Lead and direct the activities of 4 credit risk specialists, including establishing the supervisory strategy, ensuring execution of the supervisory plan, and coordinating supervisory activities.•Identify and monitor emerging issues, trends, and vulnerabilities and assess the effectiveness of risk management practices through routine interaction with key stakeholders across the Federal Reserve System and those from other regulatory agencies.•Built and launched several process improvements and analytical tools to strengthen and modernize the credit risk team’s supervisory program.•Maintain expertise in retail and wholesale credit, including an understanding of current industry trends, effective risk measurement and management practices, and emerging market concerns that may impact a financial institution’s credit risk appetite, strategies, and practices.

Charlotte, Nc

•Served as the Lead Analyst for the Retail Risk Evaluation Team covering a mega bank during CCAR 2014 with responsibility for driving results and a quality work product.•Planned and conducted supervisory activities as the Examiner-In-Charge (EIC) on Risk Appetite and Default Mortgage Servicing.•Informed and influenced conclusions through participation on numerous large bank exams covering enterprise and credit risk management practices,helping build the District’s credibility and professional network.•Participated on key System initiatives and horizontal reviews including the Comprehensive Capital Analysis and Review (CCAR) and Leverage Lending Horizontal.•Contributed to the development and implementation of supervisory strategies including completing relevant supervisory documents such as quarterly risk assessments, annual supervisory plan, annual supervisory assessment (roll-up) examination report narratives, management briefing documents and other key supervisory documents.•Monitored credit portfolios including credit risk trends, credit concentrations, asset quality and compliance with credit risk metrics.

Charlotte, Nc

•Mentored and trained employees on various credit risk management practices and analyses.•Performed exam work at large financial institutions including complex credit analyses and evaluation of risk management and internal control function processes.•Communicated exam findings to various stakeholders including the Examiner-In-Charge, loan officers, credit risk management and senior bank management.

Charlotte, Nc

•Managed a $100 million acquisition and development and residential construction loan portfolio with an average loan amount of $5 million.•Served as a subject matter expert; Trained 20 bank employees on bank systems, forms and processes.•Identified early warning signs of troubled borrowers or projects and communicated recommendations to senior management.•Participated in a critical bank project specific to the disposition of approximately $500 million in problem assets that helped improve asset quality and limit future credit losses.•Performed discounted cash flow analyses to evaluate various workout strategies that led to the highest recovery for the Bank. •Prepared problem asset reports which outlined workout strategies, justified impairment and accrual status and established triggers for risk rating changes, non-accruals and charge offs.

Charlotte, Nc

•Managed a $114 million acquisition and development and residential construction loan portfolio with primary responsibility for preparing loan approval documents and providing credit recommendations.•Performed portfolio stress testing that helped to quantify the potential impact of changing economic conditions on asset quality, earnings, and capital and inform a proactive exit strategy.

Miami, Fl

•Grew loan portfolio 78% from $45 million to $80 million and cultivated key client relationship that resulted in a $20 million participation in a $240 million construction loan.•Led, directed and coordinated cross-sell opportunities related to Treasury Management, Capital Markets, Interest Rate Risk Management and Wealth Management Services.

Miami, Fl

•Underwrote various loan requests, loan renewals and annual loan reviews in the amount of $120MM.•Performed project, market and financial statement analyses to measure the business and financial risks of the borrower.

Miami, Fl

•Developed and managed client, bank, and external relationships that contributed to the origination of $20 million in Consumer/Commercial Loans, $18 million in Residential Mortgage Loans and generation of $500 million in Trust and Investment Revenue.•Executed relationship deepening strategy and delivered consistent execution of sales and servicing practices that resulted in receiving the 2003 Private Banker of the Year Award.

Miami, Fl

Completed commercial credit training program which included rotations in Commercial, Middle Market, Commercial Real Estate and Private Banking.