Rich Behls Email & Phone Number

Wonder Lake, Illinois, United States

Executive officer of the Bank and member of senior management team. Manages the Credit, Loan Operations and Workout Departments of the Bank. Responsible for overall credit policy, credit analysis and credit quality of the Bank's loan portfolio. Develops, updates, implements and oversees effective credit risk management including the Bank's risk rating process. Chairman of the Bank's Loan Committee. Monitors and manages loan portfolio concentrations. Created and nurtures a credit culture consistent with the standards and expectations of the Bank's Board of Directors. Analyzes the ALLL process including reporting the ALLL to the Board of Directors. Manages the Loan Review process with the Bank's outside auditors and the regulatory exam process with regards to the lending function.

Elgin, Il

Served as executive officer, loan compliance officer, and member of senior management team. Managed bank lending staff, as well as process of origination, credit underwriting, approval, documentation, funding, and monitoring of commercial loans in order to maintain high credit quality. Oversaw consumer loan function.• Improved renewal process to eliminate procedural past-dues.• Reported status of loan portfolio to board of directors on monthly basis. • Prepared and reported ALLL Analysis on quarterly basis.• Managed regulatory exams of loan portfolio, external loan review, and external audits of loan department.• Reviewed and revised loan policy to ensure accuracy and compliance.

Rolling Meadows, Il

Planned, organized, and directed legal resources and support team for problem loan collections. Oversaw repossession and liquidation of collateral as necessary. Facilitated OREO portfolio and short-sale negotiations. Prepared and/or reviewed related legal documents, such as modification agreements and forbearance agreements. Pursued deficiency judgments when necessary.• Oversaw problem loan portfolio of 60 to 75 bank customers, with total loans outstanding between $10,000,000 and $15,000,000. • Completed liquidation of approximately 20 to 25 properties, with total value of $5,000,000 to $7,000,000.

Northbrook, Il

Managed $50,000,000 loan portfolio, including maintenance of existing customers and new business development. Loan portfolio included C&I clients, commercial real estate loans, real estate developers, and investment representatives. Established credit approval process and financial statement spreading procedure. Developed loan process from start to finish to minimize both financial reporting and documentation exceptions. Oversaw regulatory examinations of the loan portfolio. Supervised workout of non-performing loans. • Problem-solved for troubled borrowers while attempting to develop successful turnaround strategies.• Managed credit administration, including supervision of credit analysts.

Filed national bank application with Office of the Comptroller of the Currency. Obtained bank charter from OCC. Wrote several bank policies, including loan policy. Established escrow account with correspondent bank during capital-raise to open bank.

Mt. Prospect, Il

Developed and managed commercial loan department that consisted of eight employees, including hiring and training. Grew commercial loan portfolio from $0 to $180,000,000. Served as member of internal loan committee. Oversaw new business development and administration of commercial loan department, and managed loan portfolio of $30,000,000.

• AVP - Commercial Loans, Wheaton, IL and Park Ridge, IL: January 1995 to August 1997.• Commercial Loan Officer, Wheaton, IL: July 1993 to January 1995.• Credit Training at NBD Bank Illinois, Relationship Manager Training Program: January 1992 to July 1993.

Master Of Business Administration, Finance

Bachelor Of Business Administration, Finance