Ok Mike I am going to jump in with both feet. First, welcome to the site! Second, ginseng ficus are really hard material to work with to create convincing bonsai - because they get large tuberous roots that swell over time until they look something like this:
I have yet to meet a plant I did not like... but ginseng ficus could be on that list
They are often sold in stores because they are easy to reproduce, easy to grow, and easy to import. However that does not always make them the best material for bonsai. The first thing I would recommend is to get it as healthy and strong as possible. Right now it appears very wet - almost as if it is standing in water. One thing that these trees are susceptible to is root rot, so make sure the roots are not sitting in soggy or wet soil that can't breathe.
Do you have the option to take this tree outside, once it gets warmer in Chicago? You will be able to get it much stronger, much faster, if it can spend the summers outdoors in the nice humid Chicago weather.
Right now the tree is small and kind of weak. If you can keep it outdoors in the summer, I would wait until early summer and get it out of that small, deep pot, and into a broader shallower pot with good bonsai soil. Once it recovers from being transplanted it will start to throw out strong branch growth and hopefully new branches, and you will be able to start thinking about design above the soil line.