About Us

The firm was founded by Brian Kelley with one goal in mind – to assemble some of the top ex-bankers in the business, from some of the preeminent financial institutions in the Western United States.  Our associates include a number of former bank CEO’s, Chief Credit Officers and Chief Financial Officers, who collectively have decades of experience in all levels of banking.

 

Brian Hoyt Kelley, Principal

Mr. Kelley has established an expertise in lending, real estate and executive management honed over a 30-year career in banking and law. In April 2011, he stepped down as President/CEO of Pacific Commerce Bank (Los Angeles), a commercial banking and business lender active throughout Greater Los Angeles, where he grew the bank three-fold over a period of five years.  Previously, at Professional Business Bank, he led a successful turnaround of what had been a struggling commercial bank, increasing its assets nearly four-fold and raising its stock price by 240% over a 3 year period.  In 1999, he was the founding CEO of InterBusiness Bank, N.A., one of the most successful new start-up banks in California.

From 1989 to 1999 Mr. Kelley was with The Long-term Credit Bank of Japan, Ltd. (LTCB), Los Angeles Agency, ultimately serving as its Deputy General Manager, with responsibility for over $1.5 Billion in loan production as the highest ranking non-Japanese officer within the $12 Billion Agency.    Leading the domestic corporate and project finance groups, he was instrumental in financing and managing a number of trophy projects and corporate relationships throughout the Western United States, as well as leading the bank’s syndication efforts. He also served Of Counsel with the prestigious Los Angeles law firm of Friedemann O’Brien (succeeded by Arent Fox), specializing in commercial real estate and banking law.   He has testified on numerous occasions as an expert witness in the field of business and banking law.

A graduate (Magna Cum Laude) of Brigham Young University and Law School, Mr. Kelley is a licensed attorney in California, Utah and Hawaii.  He has served as a Director for the Boy Scouts of America, San Gabriel Council, Habitat for Humanity, has been a committee member and lecturer for the Mortgage Bankers Association and American Bankers Association, and on the Board of the Western Independent Bankers Service Corp, and a frequent lecturer on banking and finance. He has also been an active volunteer in a number of church and community affairs.  A native California, Mr. Kelley and his wife are parents of seven children.

 

Expert Witness & Litigation Support

BHK Asslociates, Inc. are banking professionals who provide expert testimony and litigation support to attorneys representing financial institutions, businesses, and individuals. Expert witness services include analysis of key issues, case strategy, depositions, opinions, and court testimony in the following areas.

  • Banking Practices and Procedures
  • Banking Industry Standards
  • Bank Officers’ and Directors’ Conduct, Actions and Negligence Issues
  • Banking Operations
  • Credit Analysis
  • Loan Review
  • Loan Documentation
  • Bank Regulations and Law
  • Commercial and Real Estate Lending Practices
  • Forensic Commercial Loan Analysis
  • Lender Liability
  • Loan Participation and Documentation
  • Troubled Debt Restructuring Practices, Workouts and Forbearance Issues
  • Collection Practices
  • Loan Commitment Issues
  • Loan Guarantee Issues
  • Bank Credit Administration and Credit Policy issues, Customs and Practices
  • Real Estate Appraisal Issues
  • Bank Fraud Issues
  • Bankruptcy, Fairness of Interest Rates “Cramdown”

 

Advisory Services

BHK Associates, Inc., also provides a broad range of advisory services to the financial industry and its clients, involving a number of disciplines:

  • Banking Industry Standards & Best Practices
  • Strategic Planning and Performance Reviews
  • Banking Operations
  • Construction Lending
  • Due Diligence Reviews
  • Merger & Acquisition Reviews
  • Reviewing Commercial and Real Estate Lending Practices
  • Forensic Commercial Loan Analysis
  • Loan Participation and Documentation
  • Troubled Debt Restructuring. Loan Quality Assessment and Analysis
  • Loan Documentation review and recommendations
  • Bank Credit Administration and Credit Policy issues, Customs and Practices
  • Real Estate Appraisal Issues
  • Bank Fraud Issues
  • Risk Analysis and Asset Valuation

 

Special Credits & Loan Workouts

Our experts have years of experience advising banks, credit unions and other financial institutions in the area of special credits, loan workouts and collection.  Specific areas in which we have an expertise include:

  • Problem Loan Review & Classification
  • Problem Loan Workout Strategies
  • Negotiating Loan Workouts & Forbearance Agreements
  • Asset Disposition and Loan Sales
  • Intra-bank disputes
  • Problem Asset Valuation
  • Loan Quality Assessment and Analysis
  • Loan Participation and Documentation
  • Troubled Debt Restructuring. Loan Quality Assessment and Analysis
  • Construction & Subdivision Finance – Disposition Strategies