Brett Johnson

Built and implemented a comprehensive enterprise-wide risk management program from scratch, aligned to a new EWRM policy and risk appetite statement, and received positive recognition at the last FDIC examination. Established a 29-domain risk assessment matrix, consolidated full-scope assessments into a heat map, and delivered quarterly KRI-based reporting to support strategic decision-making and

Led safety-and-soundness examinations for community and regional institutions, providing supervisory oversight and directing examination teams. Served as Examiner-in-Charge for three banks with formal administrative actions and for a large-institution examination (> $1B in assets).

Assigned CAMELS component ratings and prepared Reports of Examination, leading exit and board meetings to communicate findings and corrective expectations. Led a targeted ALM review for a complex $20B institution, evaluating liquidity, interest-rate risk, and balance-sheet management practices.

Reviewed and classified loan relationships during risk-management examinations for state non-member banks across CRE, ADC, C&I, SBA, and asset-based lending. Performed ACL/CECL methodology reviews (impairment testing, non-accrual analysis, TDR evaluation) and assessed borrower performance and credit quality using financial and cash-flow analysis, capital resources, and collateral.

Managed a $10M troubled-asset portfolio, including bankruptcies, foreclosures, and collections. Oversaw asset-based lending and factoring operations for a $4M receivables portfolio and performed credit underwriting, cash-flow analysis, and collateral monitoring for commercial loans.

Performed credit underwriting, cash-flow analysis, and collateral monitoring for commercial loans. Supported commercial relationship management with risk-focused review of borrower performance.

Founded and operated a wholesale franchise business with annual sales exceeding $1.5M. Sold the business at a profit.

Developed and managed middle-market commercial loan and cash management relationships. Conducted cash-flow analysis, covenant monitoring, and loan documentation review to support underwriting and ongoing credit performance.

Managed Fortune 500 banking relationships in the Southeast, overseeing $1B in commitments and participating in syndicated loan facilities. Evaluated client creditworthiness, supported loan documentation negotiation, and monitored covenant compliance.

Supported credit analysis and relationship management for banking clients, including cash-flow analysis and documentation review. Contributed to credit underwriting and ongoing covenant monitoring for existing clients.

Assisted in evaluating creditworthiness of prospective and existing clients and performed cash-flow analysis. Helped negotiate loan documentation and supported covenant compliance monitoring.

Conducted ongoing review of a $250M middle-market portfolio for credit quality, documentation exceptions, policy compliance, and risk-rating accuracy. Recommended loan-loss reserve provisions through quarterly risk-rating analysis.

Analyzed CAMEL components and assigned ratings to determine the overall financial-institution condition. Supported examination activities and board presentations of supervisory findings.

Coordinated examination teams of four to six examiners and helped lead examination planning and execution. Conducted board meetings to present examination findings and expectations.

Assisted with analysis of CAMEL components and supported assigning ratings for financial institutions. Participated in examination team activities and contributed to supervisory reporting.

Grade: Honors

Bachelor of Science in Finance (Honors) from the University of Tennessee, completed in 1984.