John-Carl “J.C.” Brew

Managing Director, Credit Review

John-Carl N. Brew is Managing Director, Credit Review providing monitoring of risk in credit-related assets. He evaluates credit risk and determines risk ratings of securities issued by state and local governments. He is experienced in the evaluation of credit risk in loans and the loan review process. John-Carl also performs CECL modelling and model validation with a focus on CECL models.

Prior to joining VBC, John-Carl served as Director of Municipal Credit Analytics and then Managing Partner of Seifried & Brew, LLC, a community bank consulting firm. His involvement in fixed income credit analysis and capital markets led to a focus on municipal securities. He developed models for assigning municipal credit risk ratings used in pre-purchase analysis and portfolio surveillance. As a component of municipal credit analysis, John-Carl worked on economic models at the state and county level.

John-Carl received his B.S. in Environmental Science, Management and Policy, with a minor in economics from the University of North Carolina in Asheville. He received his M.B.A. from DeSales University with a concentration in accounting.