Brad P. Wind

***** ******** *****

Orland Park, IL. 60467

Cell 708-***-****

acxjhu@r.postjobfree.com

Experienced credit professional skilled in credit, risk, portfolio, operations and collections in commercial and consumer credit environments. Proven track record of results through improvements in efficiency and responsiveness while constructively building relationships with customers, vendors and sales force. Excellent financial statement analysis, business development, portfolio management, communication and decision-making skills. Background also includes large, complex credit to high net worth clients.

WORK HISTORY

2008-present Bank of America

Senior Credit Analyst - Global Wealth and Investment Management (GWIM)

Perform all underwriting tasks for loan requests to high net worth clients of GWIM, which includes US Trust Private Wealth Management and Merrill Lynch. Analyze risks and identify mitigants, recommend risk ratings, exposure strategies and credit structures. Provide structuring advice to sales teams and credit partners, completion of customized credit approval packages, pricing models and approval memos. Additional responsibilities include analyzing and spreading financial information, negotiating loan structure, covenants and loan documentation. Loan products include yacht, commercial real estate, fine art, hedge fund and unsecured lending.

2006-2008 Key Equipment Finance, Key Bank

Senior Credit Analyst

Research and analyze financial statements and credit risk for commercial loan transactions. Input customers’ financial statements in Moody’s Financial Analyst program. Prepare written credit presentations focusing on transactions exceeding $250M. Effectively communicate, and document, credit decisions to sales staff and vendors. Generate commitment letters that include required legal documents. Monitor customer performance and assist in collecting accounts.

2000- 2006 DaimlerChrysler Services Truck Finance

Dealer Credit Analyst

Analyze financial statements and commercial credit requests for indirect truck and equipment dealers. Duties include monitoring dealer performance, preparing formal submission of credit files with recommendations for management review, preparing and reviewing legal documents and completing monthly performance reports.

1997-1999 Lendco Financial Services

Account Executive

Responsible for the development of automobile lease and retail relationships in the Chicago region. Other responsibilities include training and credit analysis.

1994-1997 Oxford Resources Corporation/Centrex Capital Corporation

Account Executive

Sales representative for the Chicago region. Responsibilities include the development, training and servicing of automobile dealerships for indirect retail and lease relationships. Highest producer of retail contracts in the region.

1991-1994 Bank One

Credit Manager

Sales and Credit department supervisor of the indirect auto division. Was instrumental in the development and successful implementation of the indirect auto lending function.

1981-1991 First National Bank and Trust Company

Vice President, Manager of Consumer Loans

Duties included full responsibility of the consumer loan portfolio and management of the department. Originated, processed and serviced both direct and indirect loans. Responsibilities also included commercial and mortgage lending.

1980-1981 Union National Bank and Trust Company

Served as a collector in the Consumer Loan Department.

EDUCATION

1974-1979 BS degree, Northern Michigan University

1984-1985 Graduate of the Northern Michigan University School of Banking

2002-2004 MBA, National-Louis University. (4.0 GPA)

Contact this candidate