Brian Gardner

Background

About Brian Gardner

Commercial loan growth of 25% per year and a loan portfolio ROE of 35% can be produced by building an investment grade asset backed credit portfolio. Facilities are structured with 3X coverage of expected losses. Asset backed credit can provide steady commercial loan portfolio growth without an outsized investment in systems or personnel. I can use my 25 years of experience to launch a turnkey program for you within a six-month timeframe. An asset backed commercial loan platform is flexible, scalable, and provides commercial loan portfolio diversification. Private credit funds manage $600B+ of middle market leveraged loans made to companies with revenues from $50MM to $500MM. Middle market lending is a core investment strategy deployed by large, experienced asset managers. Private credit platforms are led by seasoned commercial lenders utilizing disciplined lending criteria. Private credit funds raise equity from insurance companies and pension funds. Senior revolving debt is provided by money center and super regional banks. Investors allocate funds to the private credit sector to preserve capital and earn a stable, fixed income like return. Money center and super regional banks syndicate private credit asset backed facilities secured by pools of first lien middle market loans. Regional banks can add diversified, middle market credit exposure while taking implied ‘A+’ rated risk through a participation in an asset backed private credit facility. Participating as a lender in high quality, structured senior loan asset backed facilities is a low-risk and cost-effective way to generate consistent commercial loan portfolio growth. Regional banks benefit from partnerships with experienced lenders, increased portfolio diversification, and steady loan growth of high quality funded assets with preferential risk weighting and high regulatory returns. Let’s talk about constructing an asset backed loan production platform. My commercial banking background includes 25 years of asset backed lending to specialty finance companies and managing a team of lenders. Experience taught me the lessons needed to select skillful credit managers, knowledgeable agent banks, the right facility structures, and the appropriate risk adjusted credit spreads. Building a team, writing sound credit policies, setting up robust portfolio management and stress case financial models are important to meeting the regulatory standard. I can help your bank continue its growth trajectory by sourcing a steady stream of quality asset backed credi